Basic cover
- Luggage & travel documents abroad
- SOS emergency assistance centre
- Money & payment cards while travelling
- Help in case of illness or accident
Continuous travel insurance for students through Nationale-Nederlanden
For an ordinary travel policy, a semester or work placement abroad is no longer a trip: it comes down to the maximum unbroken length of stay, to your registration in the Netherlands and to whether a placement counts as work.
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- Personal 072 - 509 24 56, weekdays 9–17
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Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
This version exists because a study stay conflicts with the limit in an ordinary annual policy. Where regular continuous cover ends a trip after a limited number of consecutive days, a student version stretches that period to a whole academic year or semester. Conditions come with that: enrolment at an educational institution, an age limit and a study stay as the purpose of the departure.
The second fault line is the work placement. Studying is not working, but a placement often factually is, and many policies exclude manual work and paid work. If your placement is in a laboratory, in construction, in healthcare or at a shipyard, have it confirmed in advance that those activities are covered.
The third question is where you belong administratively. If you remain registered in the Netherlands, your health insurance remains the underlying layer and the travel policy supplements it. If you deregister, that underlying layer falls away and insurance for students abroad fits better than travel insurance.
Independent, personal, sorted quickly
We compare your travel insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Through Finass or direct with Nationale-Nederlanden?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
On top of that to medical assistance, also luggage, accidents, legal expenses and (optionally) winter sports.
- Luggage & travel documents
- Money & payment cards while travelling
- Travel legal expenses cover
- Money & payment card insurance
Complete package
The most complete cover. We compare Nationale-Nederlanden's extended version with the market.
- Replacement transport
- Cancellation can be included
- Special sports
- Higher luggage cover
What is covered
| Situation | Basic | With winter sports module |
|---|---|---|
| Theft of luggage from a locked space | Provided that | Provided that |
| Repatriation after an accident | Yes | Yes |
| Medical expenses abroad | Provided that | Provided that |
| Damage to or theft of hired ski equipment | No | Yes |
| An accident while skiing off-piste | No | Provided that |
| A trip to an area with a negative travel advisory | No | No |
Travel insurance reimburses medical expenses as a supplement to your health insurance, not as a replacement for it. Winter sports and special sports are excluded as standard and require a separate module. A negative travel advisory from the Ministry of Foreign Affairs generally excludes cover for that area; report a claim as soon as reasonably possible (7:941 DCC).
What we do
| What we do | At Finass | Direct with Nationale |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Sometimes |
| One point of contact for claims | Yes | Sometimes |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Nationale is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
What does your premium depend on?
- Length of the study stay. A semester is rated differently from a full academic year or a two-year master's programme.
- Country of the educational institution. Within the European Union, healthcare and assistance costs are lower than at distant destinations.
- A placement component or not. A placement with physical work requires acceptance in advance and sometimes a loading or separate cover.
- Including medical expenses in the cover. This module is decisive as soon as you study outside the European Union and your basic health insurance pays little.
- Luggage sum for laptop and equipment. Students take relatively a lot of electronics with them, for which a sub-limit and sometimes additional cover applies.
- Sports and excursions. Diving, climbing, skiing and adventurous trips during the stay call for a separate module.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The length of stay is what this version is about
An ordinary continuous policy cuts a trip off as soon as the maximum unbroken trip length expires, and an exchange semester passes that limit effortlessly. The student version extends that period, but not indefinitely: here too the conditions state a maximum, often linked to the length of the study programme. State the actual start and end dates of your stay, including the weeks of travel you plan around it.
A placement often counts as work
Many travel policies exclude paid work and manual work. An unpaid research placement behind a desk rarely falls under it, but work with machinery, in healthcare, in construction or at height does. On top of that, the placement provider has a duty of care of its own comparable to Article 7:658 of the Dutch Civil Code: if you are injured during placement work, that party is often the first port of call, not your travel policy.
Your health insurance remains the basis
The travel insurance supplements what your Dutch basic health insurance pays abroad and arranges assistance and repatriation. If you remain registered in the municipal personal records database and keep your health insurance, that structure is sound. If you study outside the European Union, find out in advance which treatment your health insurer still pays for there. The answer determines how large the gap is that the travel policy has to fill.
What is not included
Luggage means luggage you travel with, not home contents: the furnishing of your room or studio abroad falls outside the cover. Liability towards others is not included either; separate liability insurance is needed for that. Tuition fees you lose if you break off your studies, extreme sports and adventurous excursions without a module, and stays in areas with a negative travel advisory also stay out of the picture.
Worldwide assistance
Cancellation
Frequently asked questions
This is what people ask us most.
Can I use this to study in Australia for a year?
If the policy has worldwide territorial scope and the maximum length of stay covers your academic year, then you can. Watch two things: outside the European Union your Dutch basic health insurance pays only to a limited extent, and the outward and return journeys plus any travelling around them must fall within the same insured period. So state the full period, not only the teaching weeks.
Am I insured during my work placement?
That depends on the work. Office and research work is usually within the cover, physical work or work with machinery often not. Moreover the placement provider has a duty of care comparable to that of an employer, so injury at the placement runs in the first place through that party. Have it confirmed in writing in advance what your policy accepts.
Is the furnishing of my room abroad insured?
No. A travel insurance covers luggage you take with you, not the contents of accommodation on the spot. Furniture, kitchen items and equipment you buy there fall outside the cover. For those items you need local home contents insurance or a specific overseas policy. Your parents' home contents insurance in the Netherlands usually does not extend that far.
Do I have to stay registered in the Netherlands?
In virtually every case, yes. These policies assume a student with a Dutch home address who studies temporarily elsewhere. If you deregister with your local authority, your health insurance usually ends as well and the travel cover loses its underlying layer. In that case insurance for a long stay abroad fits better than continuous travel insurance.
Every situation is different. For these situations we have a separate page.
Read more
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Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.