Student insurance

Welcome to the Student Insurance website in the Netherlands, the ultimate destination for all your insurance needs as a student. Our website provides comprehensive information on the best and most affordable insurance policies available to students. As a student, you may not prioritise insurance, but it is crucial to be adequately covered for unexpected expenses. While insurance is not always mandatory, it is wise to take out policies that will protect you in case of unforeseen circumstances.

We offer various insurance options for students, including health insurance, which is mandatory for those over the age of 18. Additionally, you can compare different options offered by different insurance companies. Below you will find the most common types of insurance taken out among students:

  • Health insurance – mandatory insurance from the age of 18 covering health care expenses
  • Contents insurance – optional insurance covering your belongings in your student room
  • Travel insurance – to ensure you’re ensured during internships, studying or working abroad
  • Liability insurance – insurance covering the damages you cause to others

It is crucial to have insurance to avoid unexpected expenses, especially for students who may not have a substantial financial buffer. With insurance, you can enjoy peace of mind and convenience, knowing that your valuable possessions are protected against loss, theft, or damage.

We’re here to help you make informed decisions about your insurance needs as a student, so explore our website to find out more about our policies and get the protection you need today.

Student health insurance

In the Netherlands, having health insurance is mandatory for everyone from the age of 18. If you are under 18 years old, you are automatically insured free of charge under your parents’, guardians’ or caregivers’ policy. However, if you are 18 years or older, you become responsible for paying the premiums. It’s important to note that just because your parents have certain health insurance, it doesn’t mean that their policy is also the best option for you. Choosing an insurance plan that fits your needs and lifestyle is essential.

For young people, a student health insurance policy may be the better choice. These policies are tailored to the needs of students and often offer additional benefits such as extra coverage for contraception, physiotherapy, and medical expenses abroad. By choosing a policy that caters to your needs, you can ensure you’re not overpaying for coverage you don’t actually need.

To make selecting a health insurance policy more straightforward, we offer an insurance comparing tool that lets you compare various insurance policies directly. This tool can help you find the best policy for your budget and lifestyle, making it easier for you to get the coverage you need without breaking the bank. With the right health insurance policy in place, you can have peace of mind knowing that you’re adequately covered in case of medical expenses.

Compare different health care insurances using our comparison tool below.

Compare Dutch Health Insurance

Health insurance tips

If you’re considering taking out health insurance, here are a few tips to help you make an informed decision.

  • Basic health care insurance: Basic insurance coverage is the same across all health insurance providers in the Netherlands. So, based on the coverage, it doesn’t matter which insurer you choose to purchase health insurance from, as the basic package is identical.
  • Healthcare premium: There is a significant difference in premiums between health insurers. This is mostly due to the range of healthcare providers under contract and their handling. For example, premiums may be lower when an insurer’s communication is fully online. Make sure to compare the various providers and their premiums to get the best deal for your budget.
  • Supplementary health insurance: While supplementary health insurance isn’t compulsory, it can be beneficial. Supplementary health insurance covers costs not included in the basic insurance package, such as physiotherapy or alternative treatments.
  • Dental insurance: Dental insurance is especially useful if you visit the dentist or dental hygienist more than once a year. If you don’t require frequent dental care, it may be more cost-effective to pay for any treatments out of pocket.
  • Excess: Opting for a higher voluntary excess can reduce your monthly premiums. However, be aware that this means you’ll have to pay more out of pocket before your insurance kicks in. Consider your financial situation and health care needs when deciding on the excess amount.

For more extensive information, visit our student healthcare insurance page.

Have you found health insurance that suits your needs? Then don’t forget to check whether you are entitled to a care allowance. Here, you can calculate the care allowance.

Student home insurance

Belongings insurance is an essential coverage that many students overlook. However, it is crucial to protect your valuable possessions, especially electronic devices such as laptops, televisions, and smartphones. Even if you purchased your furniture and belongings for a low cost, the total value of your belongings could add up quickly.

Living in a student house presents more risks than in a typical flat because these properties are often poorly maintained, which can increase the risk of fire, water damage, or burglary. If you don’t have enough savings to replace your belongings in case of damage or theft, it’s wise to take out contents insurance. For less than €3 a month, your belongings are protected.

When shopping for a home insurance policy, make sure to check the coverage limits, deductibles, and exclusions to ensure that you’re getting the right policy for your needs. Also, consider the level of protection you need and make sure to review the policy terms and conditions. With proper coverage, you can enjoy knowing that you’re protected in case of unexpected events.

Our comparison tool below will help you find the home insurance that best suits your needs.

Compare Home Insurance

Looking for more extensive information? Visit our home insurance page.

Student liability insurance

If you accidentally cause damage to someone else or their property, you are legally obligated to pay for the costs. However, liability insurance can provide you with peace of mind, as it covers the costs of such incidents. For students who lead busy lives, spending time with friends and attending parties, it’s crucial to know that an accident won’t end up costing them a lot of money.

To make things easier and more affordable for students, liability insurance and home insurance can be taken out in a special package known as a Student Package. This not only simplifies the process but also is more cost-effective.

If you live in a shared student house, taking out liability insurance is especially important, as the risk of accidents or damage is higher. You can protect yourself from unexpected expenses for just a small monthly fee.

Compare different liability insurance policies using our comparison tool below.

Compare Liability Insurance

For more information, visit our liability insurance page.

Student travel insurance

As a student, if you frequently travel or plan to go abroad for an internship, study, or work, it is wise to take out travel insurance. Different types of travel insurance cover a variety of circumstances, so it’s crucial to choose the one that suits your situation. For example, some policies cover the costs of medical treatment abroad, while others cover cancellation and unexpected expenses.

When choosing a travel insurance policy, you should carefully consider your requirements. Typically, you can insure different aspects, including baggage, cancellation, medical expenses, incidents, and dangerous sports. This will help you avoid any unexpected financial costs you may encounter during your trip.

Compare different travel insurance policies.

Compare Travel Insurance

For more information, visit our travel insurance page.

About us

At, we are dedicated to helping students find the right health insurance. Our team of experts has been specialising in this field since 2005. As an independent website with no ties to any insurers, we are committed to providing unbiased and up-to-date information to ensure you can make an informed decision.

We take pride in keeping all available information and premiums up-to-date. Our comparison tools allow you to quickly and easily compare which insurances and additional options are available. While some insurers may not share all their information with us, we still offer a wide range of insurers, including both large and small ones.

When you choose to take out a new insurance policy through us, we receive a one-time fee from the insurer. This allows us to cover the costs of managing and updating our website. With, you can rest assured that you’re making the right choice for your insurance.

Easy-to-understand information for students

At, our goal is to provide you with clear and transparent information about insurance. We understand that insurance can be confusing, so we strive to make it as easy to understand as possible. Our website is designed with simplicity in mind, so you can quickly find the insurance that best suits your needs and budget. We believe everyone should have access to affordable insurance, and we work hard to provide the most up-to-date information about insurance premiums and coverage options. With our comparison tools, you’re always making an informed decision about your insurance.

The best choice

Insurance policies are not a one-size-fits-all solution. What works for one person may not be the best fit for another. When selecting an insurance policy, it is important to consider personal factors such as age, income, home situation, and lifestyle. When shopping for insurance, take the time to carefully compare policies to find the one that best suits your unique needs and situation. Consider factors such as coverage options, deductibles, and premiums.

Answers to (almost) all of your questions

If you have a question, don’t hesitate to reach out to us through our contact channels. Our team is ready to assist you and answer all non-personal advice questions to the best of our knowledge. Additionally, we have a frequently asked questions section on our website that may provide you with the information you need. We highly recommend looking at this section before reaching out to us, as it may save you time and provide immediate answers to your question.

  • Tel: +31 (0)70 2500 660 (Thu-Fri 10am-5pm)
  • Mail:
  • WhatsApp: +31 (0)6 24782713

We always aim to answer your question within 24 hours.

Helpful tools

In addition to providing information, we also offer a range of practical tools to assist you in making decisions about your insurance.

Our comparison tools are designed to help you find the right insurance policy for your specific needs. With a unique comparison tool for each insurance type, you can easily evaluate policies based on features such as coverage options, deductibles, premiums, and more. This way, you can find the policy that provides the coverage you need at a price you can afford.

We also offer a super handy tool that can help you calculate how much care allowance you are entitled to. This tool considers different factors to provide you with an estimate of the allowance you are entitled to.


Face linda  van Reenen - ZorgexpertWe are an independent website specialising in insurance and catering to students. Our insurance expert Linda van Reenen has checked the information on this website. She is a specialist in the field of student insurance.

Medical advice

Our website is designed to help students and young people as much as possible with insurance information. We are not medics and are unable to give medical advice. Do you have specific questions about your health? If so, please consult a doctor or healthcare professional.


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