Travel insurance for student work placement in Netherlands
- Thread starter Mar123
- Start date
To start with, get an EHIC.
www2.hse.ie
European Health Insurance Card (EHIC)
Get healthcare in another EU or EEA state for free or at a reduced cost. Apply for or renew your EHIC at HSE.ie.
www2.hse.ie
My familiarity is with a student who is both studying and working in NL, but it may be the same for a visiting student. I'll describe what I know:
- Health insurance is mandatory for everyone working in the NL, it will work out in the region of 130-150 Eur per month. I can find the name of the company my son uses but they are all around the same cost and coverage levels. I think monthly payment is an option.
- There are very generous state supports which if he/she qualifies will pay most of the insurance cost back to him/her.
- My son also gets a grant (only if working 32+ hours per month) called DUO, housing payment support, and off-peak travel.
It's all very generous, a strong incentive to take on employment.
Important to know regarding the above health insurance - you are supposed to declare that you do NOT have an EHIC card from another country in parallel, because the NL insurance company will issue an EHIC. I think what this means technically is that you are not supposed to be insured in another EU country, but the declaration was "no EHIC". Having said that, they probably won't check it.
- Health insurance is mandatory for everyone working in the NL, it will work out in the region of 130-150 Eur per month. I can find the name of the company my son uses but they are all around the same cost and coverage levels. I think monthly payment is an option.
- There are very generous state supports which if he/she qualifies will pay most of the insurance cost back to him/her.
- My son also gets a grant (only if working 32+ hours per month) called DUO, housing payment support, and off-peak travel.
It's all very generous, a strong incentive to take on employment.
Important to know regarding the above health insurance - you are supposed to declare that you do NOT have an EHIC card from another country in parallel, because the NL insurance company will issue an EHIC. I think what this means technically is that you are not supposed to be insured in another EU country, but the declaration was "no EHIC". Having said that, they probably won't check it.
If you're telling them not to get an EHIC before travelling then that seems like poor advice to me. Even if it may not obviate the need/want for additional insurance.
European Health Insurance Card: keeping you safe while travelling abroad
Use the European Health Insurance Card for necessary or urgent medical care abroad under the same conditions and at the same cost as people insured in that country.
commission.europa.eu
I agree with you, but I'm telling what the NL insurance company required, in the interests of being prepared. My son was able with a good concience to tick the "I don't have an EHIC card" because at that point his card was expired but he got a new one subsequently. I think the point is that they don't want to insure you if you are already insured in another EU country. I cannot explain why, except obviously in the case of a claim you could not claim on both insurances.
Thanks for replies. He has a EHIC card, and I think college advised him to get it. @patfert1 it would be great to get the name of the health insurance company you son is using. Did you son get long stay travel insurance - does this cover trips over and back to Ireland, or would he need another multi trip policy on top of this?
As your child is a student they are your dependant. So they should apply for the EU health card from Ireland. Once in the Netherlands they ask the Dutch system what they need to do. So that let’s say there is an accident the first week they will be taken care of in the Dutch system, like a Dutch citizen, but under the Irish EU card until they are sorted in the Dutch system.
My EU born children, used their non Irish EU health card in Ireland, operations included, living in Ireland, our dependant, ie student. Never saw a bill ! I think the Irish gave up on charging, or send the bill back to where we live and are insured in the national system.
@Mar123 This is the insurance company he uses. You will need google translate. But there are others I understand, all around same price level. There is I think some government regulation to keep price and coverage levels similar across insurers.
www.vgz.nl
He did research into whether there was an in-contract provider nearby before deciding which package to go for (there was - and he went for the basic one of the three).
@Bronte you are correct if he were going for study - although even in this case my son was advised by the university to take out student health insurance in NL...and it was very inexpensive for a year. However my clear undertanding is that everyone working in NL is required by law to take out health insurance locally. The EHIC is not sufficient.
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@Bronte you are correct if he were going for study - although even in this case my son was advised by the university to take out student health insurance in NL...and it was very inexpensive for a year. However my clear undertanding is that everyone working in NL is required by law to take out health insurance locally. The EHIC is not sufficient.
I experienced the same when living abroad in an EU country, when I required medical treatment on holiday in Ireland. The visits to the doctor in Ireland were free for me, as if I would have had a medical card in Ireland (which I wouldn't have qualified for, if i had been working in Ireland). I was pretty pleased with that!
No, he didn't get this or consider it at all really. Flights is paid for with a bank card usually and might include travel insurance.
Another consideration might be personal liability insurance. Just occurs to me. It's common in Germany. I don't know about NL. I'll ask.