Supplementary insurance
The basic healthcare insurance doesn’t cover every aspect of the healthcare in the Netherlands. Therefore you can choose to take a supplementary insurance that will cover more healthcare treatments, like dental care and physiotherapy. On this page you will find more information about supplementary insurances for students in the Netherlands.
What is a supplementary insurance?
The basic healthcare insurance offers you the minimum national coverage of healthcare. If you want to have a little more security in case of something happens to you and you need additional healthcare, you can choose for a supplementary insurance.
What is the additional coverage of a supplementary insurance?
Packages of supplementary insurances
Most of the insurance companies offer supplementary insurances in different types of packages of care. They use words like top insurance or plus insurance to differentiate the different types of packages. Some of them use a star system between one or four stars. The more stars this package has, the more comprehensive the cover is. The premium you have to pay is also ascending, when you choose a type of package with more comprehensive coverage.
Examples of additional coverage
In these packages it is possible to find the following healthcare coverage:
- Physiotherapy
- Additional reimbursements for medicines
- Sport-medical examination
- Medically essential cosmetic surgery
- Comprehensive cover outside the Netherlands
- Alternative medicine
- Additional reimbursements for maternity
Packages especially for students
There are some insurance companies that offer insurance packages that will meet with the needs of students and offer discounts on the premiums.
These student packages could exist of additional reimbursements for healthcare like:
- Vaccinations when travelling abroad
- Contraception
- STD Test
- Reimbursement for glasses and contact lenses
How much does a supplementary insurance costs?
The premium of a supplementary insurance can differ between additional € 5,- till additional € 50,- on top of your premium for a basic healthcare insurance. The premium depends on how comprehensive the coverage is.
Where can I get a supplementary insurance?
The same insurance companies that offer a basic healthcare insurance also offer different packages of supplementary insurances. However you are not obliged to take a supplementary insurance at the same insurance company as where you got your basic healthcare insurance. The coverage of the supplementary insurances can differ a lot between these insurance companies and the different packages. Therefore we recommend that you compare the policy commissions of different insurance companies in order to make the right choice.
When is it possible to get a supplementary insurance?
You can only get a supplementary insurance as an addition of a basic healthcare insurance. This means that you have to meet with the conditions in order to get a basic insurance. These conditions you can find on our basic healthcare insurance page.
No legal obligation
The healthcare companies don’t have a legal obligation to accept you for a supplementary insurance. Therefore it’s possible that the insurance companies will ask questions about your health situation and that they can ask a higher premium if you have health issues. On the other hand the premium for a supplementary insurance could be lower for students, since they are younger and in general have less health issues.
