Insurance

Health insurance

The Netherlands has excellent healthcare, but medical costs are very high without insurance. By Dutch law, everyone living or staying in the Netherlands must have health insurance. If you are uninsured, you risk  a heavy fine.  

It is therefore mandatory for all ArtEZ students to have health insurance while studying in the Netherlands. 

Further information

• The website Study in NLprovides general information about health insurance in the Netherlands and a useful checklist.
• The website Zorgverzekeringslijn offers detailed information on Dutch health insurance and a step-by-step guide to taking out a policy.   

EU students

If you are from the EU (including Norway, Iceland and Liechtenstein), you probably already have health insurance in your home country.  

• Check the terms and conditions with your insurer to see if you are covered in the Netherlands.  
• If you are covered, your insurer can provide you with a European Health Insurance Card (EHIC). Bring this card with you, as you will need it when visiting a doctor in the Netherlands.

If your home-country insurance does not provide sufficient coverage, you can apply for Aon Student Insurance. Coverage includes medical expenses, liability and theft. You can apply directly on the Aonwebsite.  

Please note: Aon Student Insurance is not valid if you plan to work alongside your studies in the Netherlands.

Even if you keep your home-country insurance, we strongly recommend adding the Aon Student Insurance student package, which covers extra costs such as liability, home contents and baggage, accidents and legal aid.  

Further information

Watch this video about Aon Student Insurance. 

Non-EU students

If you are a non-EU student at ArtEZ, you will automatically receive Aon Student Insurance for the first year of your studies (or a shorter period if you stay is less than a year). The fee is included in your financial guarantee.  

After the first year, you are responsible for renewing and paying for your own insurance. The recommended policy is Aon ICS Complete+, a package designed for international students. See the Aon website  for full details. 

Accident and liability insurance

If you cause an accident that injures someone or damages property, you are responsible for all costs. This could include breaking something in your room or even causing a traffic accident.  

Such costs can be very high. We strongly advise you to take out a good liability insurance policy, which will usually cover these expenses.