Top 5 Student Health Insurance 2020

In the student healthcare insurance top 5, healthcare insurances of different insurance companies have been compared on coverage, premium and terms & conditions.

1ZieZo Selectiefpolis

Logo ZieZo

tick Limited choice policy

  • Access to 150 out of 278 hospitals
  • 75% coverage outside the insurer’s network

105,25 p/m

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1ZieZo Basis

Logo ZieZo

tick Broad range of health choice

  • Access to 278 out of 278 hospitals
  • 75% coverage outside the insurer’s network

108,75 p/m

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1De Friesland Zelf Bewust Polis

Logo De Friesland

tick Broad range of health choice

  • Access to 278 out of 278 hospitals
  • 75% coverage outside the insurer’s network

110,50 p/m

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1HEMA Basispolis

Logo HEMA

tick Broad range of health choice

  • Access to 278 out of 278 hospitals
  • 75% coverage outside the insurer’s network

113,00 p/m

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1Zorg en Zekerheid Zorg Gemak Polis

Logo Zorg en Zekerheid

tick Broad range of health choice

  • Access to 278 out of 278 hospitals
  • 75% coverage outside the insurer’s network

114,20 p/m

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1Zilveren Kruis Studenten Collectief

Logo Zilveren Kruis

tick Limited, Up to 15% discount on the supplementary insurance

  • Access to 150 out of 278 hospitals
  • 75% coverage outside the insurer’s network

110,15 p/m

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1Ditzo Goede keuze

Logo Ditzo

tick Broad range of health choice

  • Access to 278 out of 278 hospitals
  • 75% coverage outside the insurer’s network

107,90 p/m

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1Ditzo Vrije keuze

Logo Ditzo

tick 100% Free choice

  • Access to 278 out of 278 hospitals
  • 100% coverage outside the insurer’s network

114,95 p/m

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1FBTO Naturapolis

Logo FBTO

tick Limited choice policy

  • Access to 278 out of 278 hospitals
  • 75% coverage outside the insurer’s network

116,95 p/m

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1Zilveren Kruis Basis Budget

Logo Zilveren Kruis

tick Limited choice policy

  • Access to 150 out of 278 hospitals
  • 75% coverage outside the insurer’s network

115,95 p/m

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1Zilveren Kruis Studenten Collectief Zeker

Logo Zilveren Kruis

tick Broad range of health choice

  • Access to 278 out of 278 hospitals
  • 75% coverage outside the insurer’s network

119,18 p/m

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1OHRA Zorgverzekering

Logo OHRA

tick 100% Free choice

  • Access to 278 out of 278 hospitals
  • 100% coverage outside the insurer’s network

116,50 p/m

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1FBTO Restitutiepolis

Logo FBTO

tick 100% Free choice

  • Access to 278 out of 278 hospitals
  • 100% coverage outside the insurer’s network

122,50 p/m

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1Nationale Nederlandenden Restitutiepolis

Logo Nationale Nederlandenden

tick 100% Free choice

  • Access to 278 out of 278 hospitals
  • 100% coverage outside the insurer’s network

119,08 p/m

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1Zilveren Kruis Basis Zeker

Logo Zilveren Kruis

tick Broad range of health choice

  • Access to 278 out of 278 hospitals
  • 75% coverage outside the insurer’s network

125,45 p/m

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1Zilveren Kruis Studenten Collectief Exclusief

Logo Zilveren Kruis

tick 100% Free choice

  • Access to 278 out of 278 hospitals
  • 100% coverage outside the insurer’s network

128,20 p/m

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1ZorgDirect Basispolis

Logo ZorgDirect

tick 100% Free choice

  • Access to 278 out of 278 hospitals
  • 100% coverage outside the insurer’s network

128,50 p/m

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1ONVZ Vrije Keuze Basis

Logo ONVZ

tick 100% Free choice

  • Access to 278 out of 278 hospitals
  • 100% coverage outside the insurer’s network

133,00 p/m

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1Zilveren Kruis Exclusief

Logo Zilveren Kruis

tick 100% Free choice

  • Access to 278 out of 278 hospitals
  • 100% coverage outside the insurer’s network

134,95 p/m

More information

In the Netherlands, insurance companies handle obligatory excess for their basic insurance. The deductible excess determines the one-off sum of specific health care cost that have to be paid by yourself for that year. In 2020 the obligatory deductible excess is €385,-. Not all costs are submitted to the obligatory deductible excess: for example basic care like the family docter can be visited at all times receiving full coverage without paying deductible excess. Once the sum of deductible excess is paid, all health care is hence fully covered.

Voluntary deductible excess

The obligatory deductible excess changes almost every year. The insurance premium that you pay for a basic healthcare insurance depends on the voluntary excess you’ve chosen. The higher the voluntary excess, the lower the premium for a basic healthcare insurance. You are able to increase your deductible excess with a maximum of €500,-. This will result in a lower premium and a deductible excess of €385,- (obligatory) + €500,- (voluntary) €885,-. Be aware that this means that the healthcare insurance will cover less of your expenses if you do need (expensive) treatment. A basic healthcare insurance does not cover all medical treatments and medicines. On top of a basic healthcare insurance it is possible to take a supplementary insurance with more coverage specifically for students. Good luck choosing your healthcare insurance!

Freedom of choice

The health insurance companies in the Netherlands often offer a variety of basic health insurances. Although the coverage of all basic packages is exactly the same, the freedom of choice concerning caregivers, like hospitals, can differ. A distinction can be made between the following insurance policies:

  • Restitution policy: 100% freedom of choice. This policy requires that you pay the health care cost in advance. Afterwards you receive full coverage en refund of your health care insurance.
  • Natura policy: this policy offers more limited freedom of choice between caregivers. Only caregivers that have a contract with your health care insurance are fully covered: in some cases the freedom of choice can be high due to the extensive amount of contracts. Bills from caregivers are directly send to your health insurance company, no need to pay in advance.
  • Budget policy: the budget policy limits your freedom of choice. This results in a lower premium for your basic insurance, however less freedom of choice. The budget polis also doesn’t require payment of health care costs in advance.

Urgent medical care

In case of emergency, limited freedom of choice does not apply. You will be brought to the nearest hospital for immediate care. The freedom of choice concerns planned and non-urgent health care.