Student accident insurance

Student accident insurance

Studying abroad is a big step in your life and you want to be prepared as good as possible. During this preparation it is also wise to think about insurances during your stay in the Netherlands, in case you will be involved in an accident in the Netherlands. On this page you will find extensive information about an accident insurance.

What is an accident insurance?

This insurance offers you (or family members) a compensation for permanent disability or death caused by an accident.

What is an accident?

In the context of an accident insurance, an accident can be described as: An unexpected external violence occurring against your will and affecting your body directly.

The following examples can be set as accidents:

  • Freezing
  • Acute Poisoning
  • Drowning
  • Electrical discharge
  • Suffocation
  • Sunstroke

The definition of an accident can differ between the insurers, therefore we recommend you to study the terms and conditions before making a decision.

How much is the premium?

The premium depends on the amount of money you want to get paid out from the insurers in event of an accident. In general you can say that: the higher the amount of money that will be paid out, the higher the premium you have to pay.

The premium can differ between the insurers. In order to give you an idea of the premiums, we will give you some examples:

Payment in event of death: € 5.000,-
Maximum payment in event of permanent disability: € 25.000,-
Your premium could be: €20,- a year

Payment in event of death: € 25.000,-
Maximum payment in event of permanent disability: € 25.000,-
Your premium could be: €50,- a year

Payment in event of death: € 25.000,-
Maximum payment in event of permanent disability: € 80.000,-
Your premium could be: €80,- a year

Payment in event of permanent disability

In event of death caused by an accident your family members will be paid out the amount you have chosen when you got the accident insurance. In event of permanent disability caused by an accident, the insurers will look at the degree of permanent disability and will calculate on the basis of that a percentage of the maximum amount of money that will be paid out.

For example, the following percentage of the maximum amount will be paid out:

  • Loss of a forefinger: 15%
  • Loss of hearing on one ear: 25%
  • Blindness on one eye: 30%
  • Loss of hearing on two ears: 60%
  • Loss of an arm: 65%
  • Loss of a leg: 75%
  • Blindness on both eyes: 100%
  • Paralysis: 100%

Note: these percentages can differ between the insurers, therefore we recommend you to study the terms and conditions before making a decision.

Accident insurance in home country

If you are planning to stay in the Netherlands for a short period, it is possible that your current accident insurance is valid during your stay in the Netherlands. In order to make sure that the accident insurance covers your stay in the Netherlands, we advise you to read the terms and conditions of your current insurance or contact your insurance company.

Accident insurance in the Netherlands

If you are planning to stay in the Netherlands for a longer period, you can also get an accident insurance in the Netherlands. There are some Dutch insurers that offer accident insurances especially for students.

Accident insurance in a package

Some insurers offer a special package of different types of insurances especially for students who are studying or doing their internship abroad. In general this package offers you insurances, such as: healthcare insurance, liability insurance and accident insurance. If you chose for this package, you probably get a discount on your premium.

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