July 20, 2018

Information about insurance and costs

Healthcare insurance for international students in the Netherlands


You need to take out Dutch health insurance if you are going to work next to your study or if you are older than 30 permanently staying* in the Netherlands.

*A permanent stay is classed as anything longer than a year, unless you contact the Dutch Sociale Verzekeringsbank (SVB) and they decide if your situation qualifies as temporary.

Otherwise; if you are from the EU, EEA or Switzerland your EU Health insurance card (EHIC) is enough. If you are not from the EU, EEA or Switzerland your own private health insurance will do until you have your residence permit (you need to take out a residence permit when you stay longer than 3 months) – then you are obliged to take out Dutch health insurance.

Even if you do not fall under the requirement of taking out Dutch health insurance, you may receive a letter notifying you arrange health insurance or you may be fined (€380). If this happens contact the SVB ( www.svb.nl) and explain your situation.

For Physiotherapy – not all private health insurance policies cover the cost. It’s important to check this if you have your own insurance (EU health insurance card does not cover physiotherapy) or arranged Dutch Health insurance. It is recommended to have insurance that covers at least 9 – 15 treatments – costs per treatment range from  €30 –  €60

Dutch basic health insurance – covers physiotherapy and they will reimburse you after the 21st session. You have to pay for the first 20 treatments yourself.

How to take our Dutch Health Insurance

  • You must be registered within the municipality
  • Fill out an application form from one of the health providers
  • The registration is complete once you have received an insurance policy + health insurance card
  • You can apply for health care benefit or allowance (zorgtoeslag) via toelagen.nl
  • Cancel your insurance if you are leaving the Netherlands.

Costs International Physiotherapy Practice

Intake Physiotherapy 50 Euro

Session Physiotherapy 30 Euro

Session Manual Therapy 40 Euro