Main menu

During your studies in the Netherlands you need to make sure you are well insured for:

  • Health care (mandatory by law)
  • Liability
  • Legal assistance

Also, we advise you to take out proper insurance for luggage and repatriation.

Non-EU students

If you are a non-EU student, HAS University of Applied Sciences applies for an insurance on your behalf that covers the items above for the 1st year of your studies. After the 1st year it’s your own responsibility to take out adequate insurance.

Please note the contract can be terminated (and refunded) if you find a paid internship/job that requires other insurance by law.

EU students

EU-students are recommended to check whether their current insurance covers their stay in the Netherlands and whether or not they need an additional insurance. With a so-called European Health Insurance Card (which you can often get from your health insurer) you are covered for basic health care in the Netherlands.

Please be aware that this does not necessarily mean that (all of) the costs are covered by your own health insurance. Please check this carefully with your own health insurer.

If you do not have an EU health insurance card, you must have private health insurance.

Dutch Public Health Insurance

International students who have a paid internship (only when receiving a salary of at least the Dutch minimum wage) or have a part-time job are required to take out Dutch public health insurance. If you do not take out Dutch public health insurance while you should, you risk having to pay a penalty.

Please note that international students who do not have a paid internship or a part-time job are not allowed to take out Dutch public health insurance.


HAS University of Applied Sciences cannot be held liable if a student/trainee does not have (sufficient) insurance cover.

Every student enrolled at HAS University of Applied Sciences is expected to have fulfilled the insurance obligations.

More about


Want to know more about insurances? Check out the website Study in Holland.

Study in Holland - Insurances

You can als find more information about studying and health insurances in Holland on this website.