Student peering through shelf of library

Dutch law requires every citizen to be insured for health care. Read the finer details here.

European Health Insurance Card 
EU/EEA students with a European Health Insurance Card (EHIC) need to be aware that EHIC only covers emergency health care, and therefore might not cover basic health care.   

Please note that the conditions of the European Health Insurance might differ per country. Please check with your insurance if all medical costs will be covered during your study in the Netherlands.

Additional Health Insurance 
If your EHIC does not cover all your medical costs during your study in the Netherlands, we strongly recommend that you take out additional health insurance. As medical care can be very expensive in the Netherlands.  

Please visit for more information and application.

Liability Insurance 
Next to this, Saxion strongly advises  European students (EU/EAA) to take out third-party liability insurance to cover any accidental damage or harm caused to other persons or property during your study in the Netherlands, for which you are held responsible.  

The usual coverage against liability is up to the amount of € 500,000. The International Office can arrange this insurance for you through AON.  

The costs for this insurance is € 32,- per year. If you would like us to arrange this insurance, you can transfer the additional amount of € 32,- to Saxion before 31 August. Need assistance? Please contact, 

For the first year of your study programme, Saxion will arrange insurance for NON-EU students through AON. The cost for this insurance is covered in the package fee, which includes tuition, visa & residence permit, insurance. 
Please, check this link for more information about the fee structure.

For the following year(s), students can extend the insurance themselves online. Please visit for more information and application.

Insurance not arranged by Saxion 

Students should be aware that Saxion cannot arrange Property Insurance (for theft, fire, etc. in your home) or any other type of insurance not mentioned above. 

AON Insurance

Have a look at this video for more information about the AON Student Insurance and find out more.