Basic cover
- Injury to persons
- Property damage to third parties
- Employees included
- Retroactive cover (prior risk)
Insurance for international students in the netherlands via OOM
An international student who only studies cannot obtain Dutch basic health insurance; anyone who takes a part-time job alongside their studies must in fact have one within a few months.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
That tipping point is the heart of this insurance. Studying is not work in paid employment, so no obligation to insure arises under the Health Insurance Act and the student has to rely on private student cover. As soon as paid work is added, including a part-time job of a few hours a week or a paid placement, the obligation does arise. A four-month period then applies for taking out basic health insurance, with retroactive effect to the first working day.
Anyone who misses this receives a reminder and then a fine from the CAK, still pays the missed premium and is not covered in the meantime, because the private policy ends at the moment the obligation arises. So it is not a choice between two products but a sequence that depends on your situation.
On top of that, for a study residence permit the IND (the Dutch immigration service) requires proof of medical insurance and of sufficient means, and the educational institution is a recognised sponsor that also monitors this itself. If you are instead studying abroad from the Netherlands, the picture is reversed; see insurance for students abroad.
The same independent view, whatever insurer
We work with dozens of insurers and choose whichever fits your situation best — not whichever pays us the most. That means advice built around you, not around one brand.
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Through Finass or direct with OOM Verzekeringen?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
On top of that to damage to third parties, employers' and product liability and damage during work at the client's premises.
- Employers' liability at the client's premises
- Product liability
- Agency workers, interns & volunteers
- Care, custody and control (property in your care)
Complete package
The most complete cover. We compare OOM's extended version with the market.
- Environmental impairment (unforeseen, limited)
- Retroactive cover (prior risk)
- Higher sums insured
What we do
| What we do | At Finass | Direct with OOM Verzekeringen |
|---|---|---|
| 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 OOM Verzekeringen 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?
- Age. Student cover works with age bands; above a certain limit, different rates or conditions apply.
- Nationality and treaty position. If you hold an EHIC or a treaty form, the cover is structured differently.
- Length of study and residence permit. The term follows the permit. A multi-year course is rated differently from a single semester.
- How the package is put together. Medical care only, or medical care with liability, baggage and legal expenses alongside.
- Excess. An excess per event or per year reduces the premium and increases what you pay up front yourself.
- Travel within Europe. Including travel during the period of study widens the area of cover and with it the premium.
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 part-time job is the tipping point
A few hours a week in hospitality, a paid placement or an assistantship at your faculty makes you liable to insure. From the first working day, basic health insurance must be in place within four months, starting on that first day. Report it to your private insurer straight away, because that cover does not continue alongside an obligation under the Health Insurance Act, and double premium does not produce double reimbursement.
What student cover includes and what the institution requires
Cover includes the GP, hospital treatment and medication during the period of study, often in a package with liability and baggage because the IND and the institution look at the overall picture. The term follows the academic year or the duration of the residence permit. Renewal for a second year of study is not automatic and must be applied for actively before the old period ends.
Liability in student accommodation
A shared kitchen, a pan left on the hob, water running through to the neighbours below. Liability rests on Article 6:162 of the Dutch Civil Code, but damage to the rented room itself is tenant's liability and is not included in every personal policy. The landlord can also hold you directly to account under the tenancy agreement, regardless of what your insurer thinks of it.
Where the cover ends
Cover normally does not extend to complaints that already existed on arrival, the continuation of existing medication, pregnancy and childbirth, dental care other than emergency treatment, sport at competition or professional level, and all care from the day you become liable to insure. Care you need during a holiday outside the agreed area of cover also falls outside it without an extension.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
Frequently asked questions
This is what people ask us most.
Do I need Dutch basic health insurance as an international student?
Not as long as you only study. There is then no obligation to insure and a health insurer may refuse you. Private student cover for the duration of your residence permit is the right route, and that is also what the IND and your institution require as proof. That changes the moment you start doing paid work.
I am going to take a part-time job. What do I need to do?
You become liable to insure from your first working day and must take out basic health insurance within four months, starting on that day. If you do not, a reminder follows and then a fine from the CAK, plus the premium for the period missed. Cancel your private policy at the same time, because it ends as soon as the obligation arises.
Will my university accept this policy?
Institutions generally look at whether the cover is valid in the Netherlands, spans the entire period of stay and actually reimburses medical costs. Some also ask for liability cover. Ask for the list of requirements before you choose, and make sure the policy schedule is drawn up in a language the institution and the IND accept.
I am an EU citizen with an EHIC. Is that enough?
It is for necessary care during a temporary stay, but a multi-year course is more than a temporary stay. The card does not cover planned care, liability or repatriation, and can be refused if it is clear that you live here. For the residence permit, the card is also often not sufficient as proof.
Every situation is different. For these situations we have a separate page.
- Why we work with different insurersThe main page
- Insurance for foreign nationals in the netherlands via OOM
- Insurance for au pairs via OOM
- Insurance for students abroad via OOM
- Temporary stay in the netherlands insurance via OOM
- Insurance for students or au pairs via OOM
- Schengen visitor insurance through OOM
Ready to compare?
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.