Studying in the Netherlands

In principle, when you come to the Netherlands to study at an official university or university of applied sciences, you do not have to take out Dutch health insurance. At that moment, you are simply covered in your country of origin.


However, you must have an EHIC, the European Health Insurance Card. With this card, you do not have to pay your healthcare costs in the Netherlands yourself. This way, you avoid unpleasant surprises when abroad.


Are you starting private education? In that case, your healthcare costs in the Netherlands are not covered. You are then obliged to take out health insurance in the Netherlands. You can do so via
Oom verzekeringen External link (in Dutch).


Take the test to see whether you have to take out insurance.

  1. Are you in the Netherlands for study purposes only?
    Please note - 'for study purposes only' means you will not have a part-time job in addition to your studies.
    o Yes: see question 2
    o No: you need to take out Dutch public health insurance. Take out CZdirect insurance (in Dutch).

  2. Are you 30 years of age or older?
    o Yes: see question 3
    o No: see question 4

  3. Is your stay in Holland permanent?
    o Yes: you need to take out Dutch public health insurance. Take out CZdirect insurance (in Dutch).
    o No: see question 4

  4. Do you come from the EU, the EEA or Switzerland?
    o Yes: you can use the EU Health Insurance Card External link
    o No: you need to take out private health insurance External link

More information about studying in the Netherlands?
Check Study in Holland External link

Entitlement to care allowance

Even foreign students are entitled to a care allowance!

Conditions for care allowance

To be able to apply for a care allowance in 2017, you must fulfil the following conditions of the Dutch tax authorities:

  • You are aged 18 or above.
  • You have Dutch health insurance.
  • Your income does not exceed € 27.857,- per year (or € 35.116,- if you cohabit with a partner from a tax perspective).
  • You have the Dutch nationality or a valid residence permit.

Example calculation

Example: if you earn less than € 15,000,- per year, you are entitled to a care allowance of € 83 per month. If you take out general insurance with CZdirect, with the highest deductible (€ 885 in 2017), you will pay € 82,85 per month. This means that you can cover your monthly health insurance costs with the care allowance. You could also take out additional insurance, so that you get a bigger allowance. Additional insurance is available already at € 1,95 per month!

Calculate care allowance

Do you fulfil the above conditions and would you like to know how much care allowance you can exactly get? If so, you can calculate this by means of the calculator tool External link (in Dutch) on the site of the Dutch tax authorities.

Applying for care allowance

You can apply for your care allowance External link (in Dutch) via the site of the Dutch tax authorities. It takes about 8 weeks to process your application. Hence, submit your application as soon as possible.

Act yourself

You must act to obtain a care allowance. The government will not do this for you. Immediately apply for a care allowance the moment that you must take out health insurance for the first time. You only have to do this once. The following years, you will automatically receive the care allowance. Almost every Dutch student fulfils the conditions for receiving a care allowance. Hence, do not miss out on this government grant!


Note: if your income increases, it can impact your care allowance. Hence, always make sure to submit this timely to the tax authorities!

Studying and working in the Netherlands

When you come to the Netherlands to study and you want to a job (on the side) in addition to your studies, you must take out Dutch health insurance. This is required as you are not only a student but also an employee in that case. It does not matter how many hours per week you work.

Would you like to take out affordable health insurance? Take out CZdirect insurance (in Dutch). If you have a question, please call us: (013) 593 84 00.