Insurance for international students in the Netherlands
You’re going to study in the Netherlands, what an adventure! You’ll deepen your knowledge, meet new people and get to know the Dutch language and culture. With the OOM Studying in the Netherlands insurance you’ll be properly insured during your course, master’s degree, internship or language course in the Netherlands.
Always properly insured
If you’re coming to the Netherlands for a study or internship, OOM Studying in the Netherlands insurance, means you’re insured against unexpected medical expenses or damage.
Everything with one insurer
Need more certainty? You can easily extend the insurance with dental cover and insurance package for, for example, household contents, liability and travel.
Assistance Centre available 24/7
If you have an emergency or a question about your health, we offer 24/7 assistance. Our Assistance Centre is always available for emergencies.
Also cover outside the Netherlands
With Studying in the Netherlands insurance, you’re also covered outside the Netherlands if you temporarily return home or travel abroad for a while. Note: This is excluding the US.
Choose the insurance options that best suit your needs
Because you know best what you need, you can put together your own insurance. Choose the basic cover that suits you and supplement with additional insurance, such as dental insurance or insurance package.
Put together your own insurance
- Choose either standard cover or extended cover
- You decide your own risk excess: €0 or €150
Covered:
- General Practitioner
- Dressings and medication
- Specialist treatment
- Physiotherapy, exercise therapy, speech therapy and psychotherapy (limited number of treatments)
- Dental costs following an accident up to €500
Not covered:
- Pregnancy if you were already pregnant when you took out the insurance, including in case of miscarriage or other complications
- Preventative medicine
Covered:
- General Practitioner
- Dressings and medication
- Specialist treatment
- Physiotherapy, exercise therapy, speech therapy and psychotherapy (limited number of treatments)
- Dental costs following an accident up to €500
- Second opinion
- More physiotherapy, exercise therapy, speech therapy and psychotherapy treatments
- Orthodontics up to age 21 years (up to €1,200)
- Alternative health care up to €500
Not covered:
- Pregnancy if you were already pregnant when you took out the insurance, including in case of miscarriage or other complications
- Preventative medicine
Sometimes, there’s a maximum amount or a maximum number of treatments covered.
These are a couple of important exclusions. The overview explains what is and what is not insured.
If you’re 18 years or older and want to add dental care to your insurance, the dental cover insures you for standard dental costs of up to €350 per year.
- This extra cover has no own risk excess
- The premium is €15.75 per month
The SOS insurance is always included. This covers the costs of repatriation (return to your country of origin) or evacuation if treatment is not possible locally and cannot be postponed.
If you’re looking for more peace of mind during your stay in the Netherlands, the OOM Insurance Package means you’re insured for various types of damage in one package.
Covered:
- Household contents up to €5,000 for your given address
- Liability – up to €1,250,000 (items that you’re renting or leasing are not covered)
- Travel – with an own risk excess of €125 in the event of theft, loss or damage to luggage
- Legal assistance – for claims over €450
- Accidents – payment on death €10,000, or in the case of permanent disability up to €75,000
Not covered:
- Household contents is only insured at the given home address
- Items that you’re renting or leasing, for example, are not covered under your liability insurance
- You will not receive legal assistance for events you were already aware of before you took out insurance
These are a couple of important exclusions. The overview explains what is and what is not insured.
How much does the OOM Insurance Package cost?
- €15.40 per month (including insurance tax) if you combine this package with the healthcare insurance
- €17.85 per month (including insurance tax) if you only take out the Insurance Package
The premium you see is always the actual amount you need to pay, including insurance tax.
In the case of damage to items, we often reimburse the replacement price. However, in some cases, we only reimburse the current value. Please the following information: How depreciation works (only in dutch).
About the Studying in the Netherlands insurance
Your adventure is about to begin. Before you start your studies, internship or language trip, you obviously want to be properly insured.
The Studying in the Netherlands insurance is for people between 15 and 29 years of age temporarily staying in the Netherlands and who are not entitled to the Dutch national health insurance. The insurance is suitable for those travelling to the Netherlands for their studies or internship.
If you don’t fall into this age category, please take a look at the OOM Provisional Residence in the Netherlands insurance.
The insurance is to cover your stay in the Netherlands. If you’re temporarily staying outside the Netherlands, the insurance will remain valid for 50 days. This starts on the day you leave the Netherlands. If you’re pregnant and temporarily staying outside the Netherlands because of your childbirth, you’ll then remain insured up to 90 days before and 90 days after giving birth.
You can take out Studying in the Netherlands insurance easily online. You decide which cover best suits your situation. Medical acceptance is necessary for the healthcare insurance. For this, we may ask you or your healthcare provider additional questions. We assess your application based on this information, which may take extra time. This is why we recommend you apply for your insurance in plenty of time, to make sure you’re ready for your new adventure well in advance.
OOM Studying in the Netherlands insurance can be taken out for a maximum of 5 years. You choose the duration that suits your studies, internship, language trip or other adventure in the Netherlands.
If your stay in the Netherlands is longer than planned, you can extend the insurance once by up to 60 days, as long as the total duration does not exceed 5 years. If you’re not sure how long you’ll be staying abroad, it's better to take out insurance for a longer period from the start. You can cancel the insurance daily via your personal account or by sending an email. If you have already paid the premium in advance, we’ll refund the overpaid premium.
The premium depends on the cover you’ve chosen (standard or extended) and which own risk excess you opted for. The premium you see is always the actual amount you need to pay, including insurance tax.
If you need medical care, something has been damaged or want to submit a claim, you can find a find step by step guide on our report a claim page. We'll let you know what will be reimbursed as soon as possible, so you know exactly where you're up to.
OOM abides by applicable sanctions legislation. This means that insurers may not provide cover or reimburse claims if to do so would violate the Sanctions Act or sanctions regulations. If you want to know if this applies to your situation, feel free to contact us. We’ll be happy to help you in any way we can.
