Insurance
Health insurance
Dutch law requires that everyone living in the Netherlands has adequate health insurance. This applies to both EU/EEA and non-EU/EEA students. Non-EU/EEA students must provide proof that they have arranged adequate health insurance to obtain their residence permit/entry visa. You can read more about the options on the health insurance page.
Personal liability insurance
Personal liability insurance is not compulsory, but is highly recommended. It covers (parts of) the costs if you accidentally injure someone or damage their property (for example, in a bicycle accident).
Personal liability is often included in the student insurance packages we recommend for your health insurance.
Other types of insurance
- Travel insurance: Strongly recommended, particularly for covering trips outside the Netherlands.
- Household contents/fire and theft insurance: While not obligatory, most Dutch people have this. It insures your belongings (such as electronics, books, jewellery, and clothing) against theft, fire, or water damage. The premium depends on the value of your possessions.
- Legal assistance insurance (rechtsbijstandverzekering): Optional, but useful in case of legal disputes, for example with your landlord.
- Car insurance: Compulsory if you bring a car to the Netherlands.