Work & Finance

How is health insurance organised in the Netherlands? Which different policies exist and what do you have to pay attention to when you take out insurance? And what is available for international students? Read the details here.

Health insurance

In mid-November, everyone receives a new offer from their current health insurance provider. You would be deceiving yourself if you think that means the only thing to change is the price. It is important to check the policy conditions. If you have a restitutiepolis (non-contracted care policy), you are free to choose your healthcare providers. If you have a naturapolis (contracted care policy) or budgetpolis (low-budget policy) and you want to stay with the same insurer, you should check whether your HIV treatment centre, general practitioner and other care providers (e.g. physiotherapist and dentist) will continue to be reimbursed under the same conditions in 2021. If that is not the case, it is better to switch to the slightly more expensive restitutiepolis.

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Health insurance for international students

Students from all over the world are required to have health insurance when they come to study in the Netherlands. This is often a private student health insurance, which doesn’t usually reimburse HIV care costs. Fortunately, there are always ways to make the provision and reimbursement of HIV care costs and medication possible.

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