7 Best International Health Insurance for Students in Netherlands

Do you want to study in the Netherlands? Know that it is necessary to present health insurance to stay in the country and even to enroll in educational institutions there! That’s why we created this article, with the intention of helping you choose the best insurance option for you who are going to take a short or long term course!

Proof of health insurance coverage is essential for enrolling in your desired educational institution, and many people don’t even know it! In addition to the bureaucratic part, insurance is also necessary to guarantee a safe stay for you in the Netherlands.

In this way, we have selected great insurance options for students in the Netherlands, in addition to some important information that can help you in this initial exchange process…

Keep reading!


7 Best International Health Insurance for Students in Netherlands



Why should international students in Netherlands have health insurance?

In addition to what I said earlier about health insurance being necessary for you to stay well in case you need medical attention or any other in case of other types of emergency in the destination country, exchange students going to the Netherlands must, obligatorily, are covered by health insurance.

But beyond that, I’ll explain a few more things that I believe are relevant for you who plan to live and study in the Netherlands.

The ideal international student insurance plan for your needs will depend on how long you will be spending in the Netherlands, whether you will need a visa, whether you will be eligible for Netherlands and other individual choices.

This brings us to another point…



What student health insurance is required for a student visa in Netherlands?

For the avoidance of doubt: Yes, health insurance is mandatory if you are going to study in the Netherlands.

In addition to talking about insurance companies, we will also give you tips for going to study in the country. So if you want to know more about required visas, keep reading the article after the list of the best international health insurance for international students in the Netherlands.

As I always recommend, it is crucial that you get a quick quote online with all the companies listed in the article. It will take a little more time, but it will save you a lot of money in the end!


netherlands students health


The 5 Best and Cheapest Health Insurance for International Students in Netherlands 


   1. Health insurance for international students by IMG

Health Insurance

IMG has a wide range of insurance plans for students (or for expatriates in general).

Its main specific plans for students are three. One of them is just for students studying in the United States (The Patriot Exchange Program), so we’ll just focus on the other two in this article.


Health Insurances 


Plan #1: Student Health Advantage 

This program will likely be sufficient to meet your course’s coverage requirements (but it’s always good to certify the minimum coverage required!).

The plan covers many things that some others do not, such as mental health disorders, maternity and pre-existing health conditions such as any illness or injury that are subject to the terms and conditions of the policy. In addition, it also covers COVID-19 costs.


Plan #2: Student Health Advantage Platinum

This plan is exactly like the previous one, but it offers twice the maximum coverage: $1,000,000


What I like about IMG’s International Student Insurance:

  • Made specifically for students
  • Covers students of all nationalities
  • They have over 17,000 healthcare professionals around the world.
  • Customer service 24 hours a day, 7 days a week
  • Covers COVID-19 and telemedicine consultations


What I don’t like about IMG’s International Student Insurance:

  • In some of the plans offered, there is a one-year grace period for coverage of pre-existing conditions.


Health Insurances 


   2. International health insurance for Cigna Global students

Health Insurance

Cigna is also one of the largest health insurers around the globe, offering plans to travelers, expats and exchange students.

Its three main plans are: Silver, Gold and Platinum, which cover your needs not only in the Netherlands, but worldwide! If you have plans to visit the United States during your stay in the Netherlands, for example, you can choose to be covered there as well. However, this can make your policy a little more expensive, so it might be best to get just short travel insurance for your visit to the US).

Here’s a table that compares your plan options:


7 Melhores Seguros de Saúde - Cigna


Cigna’s plans are flexible and allow you to add whatever you need (which includes things like dental and eye care or international evacuation and crisis assistance).

The company also has a flexible payment policy that offers different options like annual, monthly and quarterly payments.


What I like about international health insurance for Cigna Global Students:

  • Quick response to complaints (according to the company, 95% of refund requests are received within 10 days)
  • An online help center providing access to a list of over 3,000 hospitals plus information guides
  • Cigna has partnerships with more than 1.65 million hospitals, doctors, clinics and specialists around the world, which gives a range of options to the customer who needs medical care.
  • 24/7 assistance to answer any of your questions


What I don’t like about Cigna Global’s International Student Health Insurance:

  • The most basic plan does not cover prenatal and postnatal care
  • They do not include coverage for outpatient consultations with specialists and doctors.


cigna health insurance student



   3. Now Health International

Now Health International is a leader in the international insurance market and its focus is to satisfy its clients with efficient and affordable plans.

Thus, one of the great advantages of this company is its state-of-the-art customer service, which provides information in a fast and practical way.

All Now Health plans are designed to meet, guide, and solve the challenges experienced by foreigners who reside in another country, including international students and exchange students around the world.

Plus, all plans are customizable so that they perfectly fit all your needs.



What I like about Now Health International Student Plans:

  • Clear information and 24/7 customer service
  • Coverage in over 190 countries and territories
  • Various international insurance options and customizable plans
  • Some plans offer coverage for maternity routines


What I don’t like about Now Health International Student Plans:

  • In some procedures, Now Health works with a reimbursement system
  • For plans with routine maternity coverage, you must wait a 12-month waiting period to access this benefit

   4. Foyer Global Health


Foyer Global Health has plans for many types of needs. Packages are basic, premium, for short and long term trips, with individual or family plans.

They have three different plans. Here’s a quick rundown of what each of these plans includes:





  • Consultations, surgery and anesthetics
  • Therapeutic devices (such as cardiac pacemakers) if needed as a rescue measure
  • Congenital diseases (up to a maximum of €100,000 per life)
  • Does not cover maternity and childbirth



  • Consultations, surgery and anesthetics
  • Auxiliaries and therapeutic devices (such as artificial limbs and prostheses) up to €2,000
  • Congenital diseases up to a maximum of €150,000 per life
  • Maternity and childbirth care (up to €5,000 with a waiting period of 10 months)



  • Consultations, surgery and anesthetics
  • Unlimited therapeutic devices
  • Congenital diseases up to a maximum of €200,000 per life
  • Maternity care, childbirth care and midwifery or nursing services at the hospital (up to €20,000 with a 10 month waiting period)


What I like about Foyer Global Health plans:

  • Plans include consultations, surgeries and basic dental treatments
  • 24/7 customer service by phone or email with experienced consultants, doctors and specialists
  • They offer evacuation and repatriation service
  • They offer medical support and pre-trip advice (vaccinations, preparation of a first aid kit)


What I don’t like about Foyer Global Health plans:

  • Your most basic plan does not include prenatal and postnatal care


foyer global health plans 


   5. StudentSecure Insurance from HCCMIS

HCCMIS is another company that offers insurance for full-time students and scholars studying away from home (in addition to normal travel insurance).

These are the 4 levels of student health insurance coverage they offer (they all work great for Germany!):


Health Insurances 


StudentSecure Elite

  • Offers the lowest deductibles and the highest maximum coverage
  • Six-month wait for pre-existing conditions to be covered
  • Sports coverage for club/intercollegiate activities
  • Covers personal liability


StudentSecure Select

  • Six-month waiting period before a pre-existing condition can be covered
  • Optional Crisis Response pilot for rescue, your personal belongings and crisis fees


StudentSecure Budget

  • Coverage for pre-existing conditions starts 12 months after purchasing the insurance
  • Mid-tier benefits and higher deductible (for a lower monthly fee overall)


StudentSecure Smart

  • Lowest cost plan (with the lowest corresponding benefits)
  • Highest deductibles of all plans
  • Does not cover club sports
  • Can only cover a pre-existing condition in its acute onset


Here is a comparison of the 4 HCC StudentSecure plans (click to see the full chart):

7 Melhores Seguros de Saúde - HCCMIS


What I like about HCCMIS StudentSecure plans:

  • Emergency dental care (in the event of an accident) up to a maximum of US$250 per tooth and a maximum of US$500 during the certification period
  • Savings plan if you pay the full amount before
  • One of the cheapest plans on this list


What I don’t like about HCCMIS StudentSecure plans:

  • Does not have coverage for pre-existing conditions in the Smart plan
  • There is a six-month waiting period for coverage of pre-existing conditions (even if you subscribe to the Elite plan)
  • Only in the Elite plan is there coverage for vaccines
  • There is no maternity and nursery coverage for newborns on the Smart plan
  • Your low-cost plans may have high deductibles


Health Insurances



3 International Health Insurance Companies that can also be used by International Students in Netherlands!

The two companies mentioned below do not offer specific health insurance for exchange students. Instead, they offer international health insurance that may be accepted by your school or university as proof of coverage.

I advise you to get a quote from these two companies and compare them to the quote you got from the companies listed above. If you find that one of these two companies is more worthwhile than the other options, check with your Netherland school or university to see if they accept this type of policy.

If they do, this is a great chance to save money before venturing into your new home!


    Diplomat Long Term and Diplomat International of Global Underwriters

Global Underwriters

Global Underwriters offers international health insurance to many types of travelers, including exchange students and international students.

When it comes to GU plans, I recommend Diplomat Long Term and Diplomat International for international students in Germany.


Global UnderwritersGlobal Underwriters


What I like about Global Underwriters plans:

  • Have coverage for medical evacuations, emergency dentistry and repatriation of mortal remains
  • The Diplomat Long Term and Diplomat International plans provide coverage of up to $1,000,000
  • In addition to medical coverage, the plans offer assistance in the event of lost luggage and travel interruption.
  •  24/7 customer service


What I don’t like about Global Underwriters plans:

  • Diplomat International plan does not cover Covid-19
  • The Diplomat Long Term plan does not cater for students residing in Australia and Iran, as well as New York, Maryland, South Dakota (but this is not an issue if you are going to Germany!)
  • Plans can be a little more expensive than others on this list.


Global Underwriters


   – Geoblue

Health Insurance

Geoblue is another great option if you are looking for health insurance to cover you while studying in Germany.


Health Insurances


What I like about Geoblue’s international health insurance:

  • Very adaptable and flexible plans based on your individual needs
  • 24/7 customer service
  • Some of their plans cover extras like evacuation, preventative medical appointments, and maternity care.
  • It is possible to add ophthalmology and dentistry services
  • The Xplorer plan has no maximum medical coverage, covers extreme sports, does not charge deductibles for standard services, and has no cancellation fees


What I don’t like about Geoblue’s international health insurance:

  • They do not serve residents of New York and Washington (although this is not a problem if you are going to Germany)
  • You need to speak to an insurance broker in person to get an accurate quote (which is very annoying)


Health Insurances



   – Aetna (acquired by AllianzCare)

Allianz Care Logo

Aetna is a recognized company in the field of health insurance.

Aetna plans are very flexible and can be customized, and this is one of the great advantages of this company. Also, their customer service is great compared to other insurance companies.


Allianz Care


What I like about Aetna’s international health insurance:

  • They’ve been in the health insurance industry for 50 years
  • Flexible and customized plans
  • Expert service every day, seven days a week
  • Coverage for emergency evacuations, cancer treatments, repatriation and hospitalizations
  • They have already won awards such as “Health Insurer of the Year” and “Best International Private Health Insurance Provider”
  • Application that helps customers maintain healthier habits with a points and rewards incentive system


What I don’t like about Aetna’s international health insurance:

  • Their website is not very clear about the exact coverage of some of their plans.
  • They don’t offer any kind of travel insurance plan.





Table comparison of the 7 best health insurance plans for international/exchange students in Germany


Digital Nomads InsuranceIMG

Digital Nomads Insurance 2Cigna Global  

Seguros Saúde Internacionais para Expatriados

Foyer Global Health 

tokio marine hcc


Global Underwriters

Global Underwriters

Medical Maximum Unlimited (for the Platinum plan) $5,000,000 There are no limits independent of the plan  US$1,000,000 per year $1,000,000
Mental Health Benefit Unspecified Unlimited for up to 90 days  Included in all plans with a 10-month waiting period   Outpatient: $50 per day max up to $500 in total  Yes
Inpatient Prescription Drugs 80% coverage out-of-network, 100% in the USA and internationally Unspecified  Coverage available  Name-brand drugs: 50% coinsurance 

Generic drugs: 100% coinsurance

Special drugs: no coverage 

Outpatient Prescription Drugs  50% of actual costs, 90 days maximum per dispensation Unspecified Unspecified coinsurance 

Generic drugs: 100% coinsurance

Special drugs: no coverage 

Mental Health Benefit Inpatient and Outpatient: $5,000 lifetime maximum to paid in full depending on the plan Inpatient and Outpatient: $50,000 lifetime maximum None  Inpatient and Outpatient: limit not specified  Inpatient, outpatient, and therapy: limit not specific
Outpatient Prescription Drugs None, unless you buy the International Outpatient Option Up to $8,000,000 Full reimbursement Yes Yes
Repatriation of Remains $25,000 maximum or $5,000 for cremation  Optional Optional  $50,000 maximum or $5,000 for cremation  $13,500 maximum
Emergency Evacuation $50,000 Optional Optional $10,000 Yes
Hospital room coverage Offered up to the average semi-private room rate  Private room Private Room Usual Usual
Terrorism $50,000 Unspecified Unspecified $100,000 N/A
Accidental Death & Dismemberment (AD & D)  Principal sum of $25,000 that is not subject to deduction  $25,000 for main policy holder, $10,000 for spouse on the plan, $5,000 for child on the plan

Total limit of $250,000

Optional $25,000 for main policy holder, $10,000 for spouse on the plan, $5,000 for child on the plan

Total limit of $250,000

There is coverage
Emergency Dental  $500 per injury for the coverage period  Optional Optional $2,500 Yes
Maternity Care Only covered in Platinum plan  $14,000/€11,000/£9,000 in the Platinum plan  Only available in the Special and Exclusive plans Within the US: up to 80% coverage with a $25,000 limit within the PPO network/Outside PPO: up to 50% coverage with a $25,000 limit 

Outside the United States: 

Up to 80% coverage with a $25,000 limit. Benefits reduced by 25% if pregnancy is not reported within the first 90 days.  

Not specified
Pre-existing condition exclusion period Maximum limit of $1,500 with a 12-month waiting period  $14,000/€11,000/£9,000 in the Platinum plan  Coverage available Limited of $250,000 per plan  Unspecified 
Intensive Care Unit (ICU)  100% coverage after the deductible has been met Full coverage with the Platinum plan Coverage available  Up to $50,000 Not specified
Vaccines  Unspecified Optional Only in the Special and Exclusive plans $200 Yes, but must be paid as a separate plan
Routine care for newborns Unspecified Optional Only in the Special and Exclusive plans Up to $750 Yes, but must be paid as a separate plan
Pre-existing annual maximum once covered Unlimited depending on the plan Up to $8,000,000 Full reimbursement Unlimited depending on the plan Depends on the plan
Pre-existing lifetime maximum once covered Unlimited depending on the plan Up to $8,000,000 Full reimbursement Unlimited depending on the plan Depends on the plan

Worldwide Medical Insurance / Comparison Chart*

Part of the table courtesy of Tokio Marine HCC

*Note: this table is just for informational purposes and subject to change. It was accurate as of the time we wrote it here, but please check each company’s individual website for updated info.



Why study in Netherlands and how does the Educational System work?

Sendo um dos melhores ensinos do mundo, o governo holandês financia, desde 1917, as escolas públicas e privadas do país. Em ambos os casos, os pais não pagam nada para que seus filhos estudem nessas instituições de ensino.

Dos cinco aos 18, o ensino é obrigatório e na fase dos quatro aos 12 é que os alunos podem ou não receber seu encaminhamento para uma universidade no futuro.

As cobranças são feitas apenas por atividades extras, como festas, viagens ou passeios. Além disso, na maior parte das instituições, o material didático é fornecido gratuitamente.


After eight years of primary school, institutions apply tests, such as CITO, Route 8 or IEP, which will define the child’s knowledge in basic subjects, that is, mathematics and Portuguese. This will define whether she will enter a university in the future or not.

Secondary education is divided into Practical Education, which directs the student to the job market, with many practices, and Higher Secondary Education, which would be the university we are used to.


Types of visa for foreign students in Netherlands

If you only want to stay in the Netherlands for three months, a visa will not be required, but if you want to be an exchange student in the Netherlands for a longer period of time, you will need one if you do not have European citizenship.

The Netherlands student visa qualifies as a long-stay visa, or MVV.

In the Netherlands, it is much simpler to get a visa if you have a “sponsor”, either the company that is hiring you or, in this case, the educational institution where you will continue your studies. The Dutch institutions themselves file the visa application, making this bureaucratic part easier for you.

The basic documents for studying in the Netherlands are:

  1. Passport
  2. MVV form
  3. Two recent color photos
  4. Letter from the educational institution to which you were accepted
  5. Round trip ticket
  6. Proof of financial resources
  7. Proof of where you will be staying
  8. Insurance policy

Documents have to be presented at the Dutch embassy in your country with translations made by a sworn translator.


In Sum…

Once again, these are the 5 best and cheapest travel insurance policies for international students in Germany: 

  1. Student Health Advantage from IMG
  2. International health insurance for Cigna Global students
  3. Now Health International
  4. Foyer Global Health
  5. Insurance StudentSecure da HCCMIS


In Conclusion…

Don’t forget to take out health insurance that meets your needs while studying in the Netherlands!

Universities will definitely require the insurance policy, and besides, paying for everything out of pocket is very annoying!

If you still have any questions about these Netherland student travel insurance options (or moving abroad in general), leave a comment and I’ll be happy to help!!


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