for EU students
Medical Insurance
Non-Dutch students must be adequately insured for medical expenses while staying in the Netherlands. This will be checked by the registration officials when you apply for a residence permit.
The Netherlands has treaties regarding health insurance with all EU member states, Norway, Iceland, Liechtenstein, Turkey, Morocco, most of the countries of former Yugoslavia, Tunisia, Cape Verde Islands and Australia.
If you are insured under the national health insurance scheme of one of these countries, your insurance company can provide you with a European Health Insurance Card or an international declaration form (E-111 or E-128). Make sure you bring this card or form with you to the Netherlands, and make a number of copies. You will need the card/form to see a doctor.
If your insurance does not cover your stay in the Netherlands and you cannot make use of the international treaty described above, you will have to take out private insurance. Special policies are available for international students and various insurance companies focus on international guests, such as Insurance Passport for Students (IPS) and MYAON.
The Student Service Centre can assist in arranging medical (including liability) insurance on arrival in Wageningen but you can also arrange your medical and liability insurance in advance. We advise you to check the coverage carefully for the following:
- medical expenses
- emergency dental expenses
- accidental death and dismemberment
- individual liability for damage caused to others (known in Dutch as Aansprakelijkheid voor Particulierenverzekering)
- personal property (loss of household contents or baggage due to e.g. theft or fire)
- S.O.S. assistance: cost of repatriation due to serious illness or death, if not included in the health insurance or travel insurance
Please note that at the moment you receive an allowance or income you are obliged to change your insurance to the new "Basic Health Insurance Policy". The fee's for this insurance are a lot higher then the fees for the standerd AON student health insurance. We would like to advice you to check on forehand costs you have to make and how much money you can earn. Wageningen Univeristy offers this type of insurance to the international students. For more information you can contact the Student Service Desk (» Contact SSC).
Liability Insurance
International students who have their own health insurance (other than the AON insurance offered by Wageningen University, which is valid in the Netherlands) are strongly advised to purchase liability insurance as a simple accident can easily cost you hundreds of euros in the Netherlands. This insurance can be bought at the student information desk and costs around € 40 a year.
Other Insurance
Insurance to cover the costs of repatriation due to serious illness or death is also strongly recommended. This pays for special transportation and/or medical care should you need to be repatriated and often the airfare for a family member. Furthermore, it is prudent to take out insurance against theft and the cost of accidents and legal advice.