Insurance
The importance of insurance while studying
By law, it is mandatory to take out proper healthcare insurance. It is also a condition for getting a residence permit (non-EU students). Codarts strongly recommends students to arrange a good and complete insurance with AON (Home | Aon Student Insurance).
Please check what applies to you depending on your personal situation:
International student (EU and non-EU):
Aon Leaflet or directly get started
Extra information for international students with a job or internship
Students going abroad:
Claims:
Check your health insurance company to file a claim.
In case of Aon, you can login on this page: Service & Contact
Other important insurances
In addition to a health insurance, it is very important to have coverage for accidents, third party liability, legal aid, fire and theft, and travel luggage. Check your insurance company for possibilities.
Health insurance letter CAK
If you have received a letter from the CAK (the government organisation that checks whether you have the correct Dutch health insurance), regarding your insurance obligation it’s important to contact the Sociale Verzekeringsbank (SVB) for an assessment of your insurance position. You need to take action within three months or you will receive a fine of approximately €400,-.
Even if you incorrectly received the letter from the CAK.
Healthcare allowance (zorgtoeslag)
In order to ensure that the healthcare premium is affordable for everyone, there is a healthcare allowance. Healthcare allowance covers a part of the costs of the premium. Eligibility for the healthcare allowance depends on your income. If you earn less than a certain income you will be entitled to the healthcare allowance. The lower the income, the higher the allowance will be.
The easiest way to apply for ‘zorgtoeslag’ is online with your DigiD. If you do not have a DigiD, make sure to apply for one via this link https://www.digid.nl/en/.