Full description of flowchart about studying in the Netherlands and health insurance
Main question: I have received a letter form the CAK. What action am I required to take?
Find out by following these steps:
Step 1
Question: Do you work next to your studies?
- Answer is YES: go to required action 1.
- Answer is NO: go to step 2.
Step 2
Question: Are you doing a paid internship?
- Answer is YES: go to step 3.
- Answer is NO: go to required action 2.
Step 3
Question: Are you from an EU/EEA country or a country from this list?
- Answer is YES: go to required action 1.
- Answer is NO: go to step 4.
Step 4
Question: Do you earn the minimum wage per hour for your internship?
- Answer is YES: go to required action 1.
- Answer is NO: go to required action 2.
Required actions
Action 1:
Take out Dutch basic health insurance via hetcak.nl/insurers to make sure you’re properly covered.
Important
You can apply for a healthcare benefit. For more information, visit toeslagen.nl.
Action 2:
Apply for a Wlz assessment via svb.nl/english/wlz.
Important
In this situation, health insurance from your home country or insurance from Aon, OOM, InsureToStudy, Cigna or Allianz is right for you. To avoid the fine, you still need to apply for the Wlz assessment. This assessment will determine whether or not you need Dutch basic health insurance.
Disclaimer
Exceptions are possible. No rights can be derived from this flowchart. The Wlz assessment at the SVB will always give you a definitive answer about what you need to do in your situation.
List of countries
- Bosnia and Herzegovina
- Canada (excluding Quebec)
- Chile
- India
- Japan
- Cape Verde
- Jersey
- Guernsey
- Alderney
- Herm
- Jethou
- Macedonia
- Isle of Man
- Morocco
- Montenegro
- Serbia
- Tunisia
- Turkey
- Uruguay
- United Kingdom
- United States
- South Korea
- Switzerland