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7 Best Health Insurance for International Students in Netherlands

Do you want to study in the Netherlands? Know that it is necessary to present health insurance to stay in the country and even to enroll in educational institutions there! That’s why we created this article, with the intention of helping you choose the best insurance option for you who are going to take a short or long term course!

Proof of health insurance coverage is essential for enrolling in your desired educational institution, and many people don’t even know it! In addition to the bureaucratic part, insurance is also necessary to guarantee a safe stay for you in the Netherlands.

In this way, we have selected great insurance options for students in the Netherlands, in addition to some important information that can help you in this initial exchange process…

Keep reading!

 

 

 

Why should international students in Netherlands have health insurance?

In addition to what I said earlier about health insurance being necessary for you to stay well in case you need medical attention or any other in case of other types of emergency in the destination country, exchange students going to the Netherlands must, obligatorily, are covered by health insurance.

But beyond that, I’ll explain a few more things that I believe are relevant for you who plan to live and study in the Netherlands.

The ideal international student insurance plan for your needs will depend on how long you will be spending in the Netherlands, whether you will need a visa, whether you will be eligible for Netherlands and other individual choices.

This brings us to another point…

 

 

What student health insurance is required for a student visa in Netherlands?

For the avoidance of doubt: Yes, health insurance is mandatory if you are going to study in the Netherlands.

In addition to talking about insurance companies, we will also give you tips for going to study in the country. So if you want to know more about required visas, keep reading the article after the list of the best international health insurance for international students in the Netherlands.

As I always recommend, it is crucial that you get a quick quote online with all the companies listed in the article. It will take a little more time, but it will save you a lot of money in the end!

 

 

The 5 Best and Cheapest Health Insurance for International Students in Netherlands 

 

   1. Health insurance for international students by IMG

IMG has a wide range of insurance plans for students (or for expatriates in general).

Its main specific plans for students are three. One of them is just for students studying in the United States (The Patriot Exchange Program), so we’ll just focus on the other two in this article.

 

 

 

Plan #1: Student Health Advantage 

This program will likely be sufficient to meet your course’s coverage requirements (but it’s always good to certify the minimum coverage required!).

The plan covers many things that some others do not, such as mental health disorders, maternity and pre-existing health conditions such as any illness or injury that are subject to the terms and conditions of the policy. In addition, it also covers COVID-19 costs.

 

Plan #2: Student Health Advantage Platinum

This plan is exactly like the previous one, but it offers twice the maximum coverage: $1,000,000

 

What I like about IMG’s International Student Insurance:

 

What I don’t like about IMG’s International Student Insurance:

 

 

 

   2. International health insurance for Cigna Global students

Cigna is also one of the largest health insurers around the globe, offering plans to travelers, expats and exchange students.

Its three main plans are: Silver, Gold and Platinum, which cover your needs not only in the Netherlands, but worldwide! If you have plans to visit the United States during your stay in the Netherlands, for example, you can choose to be covered there as well. However, this can make your policy a little more expensive, so it might be best to get just short travel insurance for your visit to the US).

Here’s a table that compares your plan options:

 

 

Cigna’s plans are flexible and allow you to add whatever you need (which includes things like dental and eye care or international evacuation and crisis assistance).

The company also has a flexible payment policy that offers different options like annual, monthly and quarterly payments.

 

What I like about international health insurance for Cigna Global Students:

 

What I don’t like about Cigna Global’s International Student Health Insurance:

 

 

 

   3. Now Health International

Now Health International is a leader in the international insurance market and its focus is to satisfy its clients with efficient and affordable plans.

Thus, one of the great advantages of this company is its state-of-the-art customer service, which provides information in a fast and practical way.

All Now Health plans are designed to meet, guide, and solve the challenges experienced by foreigners who reside in another country, including international students and exchange students around the world.

Plus, all plans are customizable so that they perfectly fit all your needs.

 

 

What I like about Now Health International Student Plans:

 

What I don’t like about Now Health International Student Plans:

   4. StudentSecure Insurance from WorldTrips

WorldTrips is another great insurance company for students. Besides their great travel insurance options, they also have plenty of great international health insurance options for overseas students. 

Below, you’ll find more details about the 4 levels of coverage for student health insurance that HCCMIS has on offer. 

 

 

HCCMIS Plan #1: StudentSecure Elite  

 

HCCMIS Plan #2: StudentSecure Select 

 

HCCMIS Plan #3: StudentSecure Budget

 

HCCMIS Plan #4: StudentSecure Smart   

Take a look at the comparison below of HCC’s 4 StudentSecure plans (click to see the chart in more detail): 

 

Pros of StudentSecure insurance from WorldTrips: 

 

Cons of StudentSecure insurance from WorldTrips:  

 

   5. Visitor Coverage

Visitor Coverage, established in 2006 in the U.S., aims to make the process of selecting travel insurance straightforward, providing customized and affordable solutions for tourists, students, expats, and immigrants.

While it doesn’t offer its own insurance policies, the company serves as a connector, linking customers with trustworthy insurance providers to ensure safety in emergencies. Their easy-to-use platform allows travelers to quickly compare and buy the insurance that fits their needs by entering some basic trip information.

For instance, international students can input details like their destination country, age, and nationality. Using this info, the platform showcases the top insurance options, detailing costs, coverage, cancellation terms, extension possibilities, and additional benefits. It also includes ratings and comprehensive information about each insurance company and their offerings.

What I like about Visitor Coverage student insurance:

What I don’t like about Visitor Coverage student insurance:

 

   6. Foyer Global Health

Foyer Global Health has plans for many types of needs. Packages are basic, premium, for short and long term trips, with individual or family plans.

They have three different plans. Here’s a quick rundown of what each of these plans includes:

 

 

 

ESSENCIAL

 

SPECIAL 

   

EXCLUSIVE

 

What I like about Foyer Global Health plans:

 

What I don’t like about Foyer Global Health plans:

 

 

 

   7. Diplomat Long Term and Diplomat International of Global Underwriters

Global Underwriters offers international health insurance to many types of travelers, including exchange students and international students.

When it comes to GU plans, I recommend Diplomat Long Term and Diplomat International for international students in Germany.

 

 

What I like about Global Underwriters plans:

 

What I don’t like about Global Underwriters plans:

 

 

2 International Health Insurance Companies that can also be used by International Students in Netherlands!

The two companies mentioned below do not offer specific health insurance for exchange students. Instead, they offer international health insurance that may be accepted by your school or university as proof of coverage.

I advise you to get a quote from these two companies and compare them to the quote you got from the companies listed above. If you find that one of these two companies is more worthwhile than the other options, check with your Netherland school or university to see if they accept this type of policy.

If they do, this is a great chance to save money before venturing into your new home!

 

   – Geoblue

Geoblue is another great option if you are looking for health insurance to cover you while studying in Germany.

 

 

What I like about Geoblue’s international health insurance:

 

What I don’t like about Geoblue’s international health insurance:

 

 

 

   – Aetna (acquired by AllianzCare)

Aetna is a recognized company in the field of health insurance.

Aetna plans are very flexible and can be customized, and this is one of the great advantages of this company. Also, their customer service is great compared to other insurance companies.

 

 

What I like about Aetna’s international health insurance:

 

What I don’t like about Aetna’s international health insurance:

 

 

 

Table comparison of the 7 best health insurance plans for international/exchange students in Germany

 

IMG

Cigna Global  

Foyer Global Health 

HCCMIS

Global Underwriters

Medical Maximum Unlimited (for the Platinum plan) $5,000,000 There are no limits independent of the plan  US$1,000,000 per year $1,000,000
Mental Health Benefit Unspecified Unlimited for up to 90 days  Included in all plans with a 10-month waiting period   Outpatient: $50 per day max up to $500 in total  Yes
Inpatient Prescription Drugs 80% coverage out-of-network, 100% in the USA and internationally Unspecified  Coverage available  Name-brand drugs: 50% coinsurance 

Generic drugs: 100% coinsurance

Special drugs: no coverage 

Yes
Outpatient Prescription Drugs  50% of actual costs, 90 days maximum per dispensation Unspecified Unspecified coinsurance 

Generic drugs: 100% coinsurance

Special drugs: no coverage 

Yes
Mental Health Benefit Inpatient and Outpatient: $5,000 lifetime maximum to paid in full depending on the plan Inpatient and Outpatient: $50,000 lifetime maximum None  Inpatient and Outpatient: limit not specified  Inpatient, outpatient, and therapy: limit not specific
Outpatient Prescription Drugs None, unless you buy the International Outpatient Option Up to $8,000,000 Full reimbursement Yes Yes
Repatriation of Remains $25,000 maximum or $5,000 for cremation  Optional Optional  $50,000 maximum or $5,000 for cremation  $13,500 maximum
Emergency Evacuation $50,000 Optional Optional $10,000 Yes
Hospital room coverage Offered up to the average semi-private room rate  Private room Private Room Usual Usual
Terrorism $50,000 Unspecified Unspecified $100,000 N/A
Accidental Death & Dismemberment (AD & D)  Principal sum of $25,000 that is not subject to deduction  $25,000 for main policy holder, $10,000 for spouse on the plan, $5,000 for child on the plan

Total limit of $250,000

Optional $25,000 for main policy holder, $10,000 for spouse on the plan, $5,000 for child on the plan

Total limit of $250,000

There is coverage
Emergency Dental  $500 per injury for the coverage period  Optional Optional $2,500 Yes
Maternity Care Only covered in Platinum plan  $14,000/€11,000/£9,000 in the Platinum plan  Only available in the Special and Exclusive plans Within the US: up to 80% coverage with a $25,000 limit within the PPO network/Outside PPO: up to 50% coverage with a $25,000 limit 

Outside the United States: 

Up to 80% coverage with a $25,000 limit. Benefits reduced by 25% if pregnancy is not reported within the first 90 days.  

Not specified
Pre-existing condition exclusion period Maximum limit of $1,500 with a 12-month waiting period  $14,000/€11,000/£9,000 in the Platinum plan  Coverage available Limited of $250,000 per plan  Unspecified 
Intensive Care Unit (ICU)  100% coverage after the deductible has been met Full coverage with the Platinum plan Coverage available  Up to $50,000 Not specified
Vaccines  Unspecified Optional Only in the Special and Exclusive plans $200 Yes, but must be paid as a separate plan
Routine care for newborns Unspecified Optional Only in the Special and Exclusive plans Up to $750 Yes, but must be paid as a separate plan
Pre-existing annual maximum once covered Unlimited depending on the plan Up to $8,000,000 Full reimbursement Unlimited depending on the plan Depends on the plan
Pre-existing lifetime maximum once covered Unlimited depending on the plan Up to $8,000,000 Full reimbursement Unlimited depending on the plan Depends on the plan

Worldwide Medical Insurance / Comparison Chart*

Part of the table courtesy of Tokio Marine HCC

*Note: this table is just for informational purposes and subject to change. It was accurate as of the time we wrote it here, but please check each company’s individual website for updated info.

 

 

Why study in Netherlands and how does the Educational System work?

Sendo um dos melhores ensinos do mundo, o governo holandês financia, desde 1917, as escolas públicas e privadas do país. Em ambos os casos, os pais não pagam nada para que seus filhos estudem nessas instituições de ensino.

Dos cinco aos 18, o ensino é obrigatório e na fase dos quatro aos 12 é que os alunos podem ou não receber seu encaminhamento para uma universidade no futuro.

As cobranças são feitas apenas por atividades extras, como festas, viagens ou passeios. Além disso, na maior parte das instituições, o material didático é fornecido gratuitamente.

 

After eight years of primary school, institutions apply tests, such as CITO, Route 8 or IEP, which will define the child’s knowledge in basic subjects, that is, mathematics and Portuguese. This will define whether she will enter a university in the future or not.

Secondary education is divided into Practical Education, which directs the student to the job market, with many practices, and Higher Secondary Education, which would be the university we are used to.

 

Types of visa for foreign students in Netherlands

If you only want to stay in the Netherlands for three months, a visa will not be required, but if you want to be an exchange student in the Netherlands for a longer period of time, you will need one if you do not have European citizenship.

The Netherlands student visa qualifies as a long-stay visa, or MVV.

In the Netherlands, it is much simpler to get a visa if you have a “sponsor”, either the company that is hiring you or, in this case, the educational institution where you will continue your studies. The Dutch institutions themselves file the visa application, making this bureaucratic part easier for you.

The basic documents for studying in the Netherlands are:

  1. Passport
  2. MVV form
  3. Two recent color photos
  4. Letter from the educational institution to which you were accepted
  5. Round trip ticket
  6. Proof of financial resources
  7. Proof of where you will be staying
  8. Insurance policy

Documents have to be presented at the Dutch embassy in your country with translations made by a sworn translator.

 

In Sum…

Once again, these are the 5 best and cheapest travel insurance policies for international students in Germany: 

  1. Student Health Advantage from IMG
  2. International health insurance for Cigna Global students
  3. Now Health International
  4. Foyer Global Health
  5. Insurance StudentSecure da HCCMIS

 

In Conclusion…

Don’t forget to take out health insurance that meets your needs while studying in the Netherlands!

Universities will definitely require the insurance policy, and besides, paying for everything out of pocket is very annoying!

If you still have any questions about these Netherland student travel insurance options (or moving abroad in general), leave a comment and I’ll be happy to help!!

 

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