Allowance for Your Healthcare Insurance

Being an international student in the Netherlands can mean you need health insurance (or healthcare). This is especially the case if you are considering or are working alongside your studies. You know that you can get housing allowance, but did you know you can also get health insurance allowance? But, this health insurance can be expensive. Luckily, we are here to tell you: it doesn’t have to be.

Image of health insurance allowance

What is health insurance and why do I need it?

If you are not planning on working during your studies, you are good to go with your insurance from your home country. This applies if you are a resident of the EU or EEA. You should also have a European Healthcare insurance card. For this, you can apply online. If you are from outside the EU/EEA, you will need to apply for another form of healthcare. For example, you can apply for Dutch public or private healthcare. To do this, you will need a BSN number (your identity number), which you receive when you register at a Dutch municipality.

If you are planning on working during your studies, you will need a Dutch health insurance. This applies for every type of job: from an internship to a part-time job, no matter the type of contract.

What is health insurance allowance?

Health insurance allowance is a monthly payment by the Dutch government in order to support citizens with low income (in this case, students) to help pay their health insurance fee.

What are the basic requirements?

There are both general requirements and certain situations that will make you eligible for Dutch health insurance allowance.

You qualify if you pay for Dutch public health insurance (basisverzekering). Check out FBTO and Univé health care providers if you are looking to get yourself some health insurance. If you are privately insured, you cannot apply for health insurance allowance.

And, you have to:

  • Study in the Netherlands and are 30 or under.
  • Or, study in the Netherlands and have an internship, traineeship, or part-time job with a monthly salary.

How much health insurance allowance can I receive?

There are also requirements relating to your income. Since the threshold for this changes each year, you can use this online calculator to determine how much you are eligible to receive. Make sure to check out Zorgtoeslag.nl’s calculator to make sure you are really getting your worth in benefits.

Additionally, the amount of monthly allowance you can get depends on whether or not you have a toeslagpartner (translated: a supplementary partner). If you are married or have a registered partnership, this is your toeslagpartner. If you are not married, then your toeslagpartner could be another person who is registered at the same address as you. In this case, you are partners if you one of the following applies to you:

  • You were toeslagpartners last year, and now live together again
  • You purchased a house together, and are both responsible for its mortgage
  • You are each other’s fiscal partners for income taxes
  • You have a child together
  • Or, you are pension partners

**A toeslagpartner is the person that you apply for allowance with. If you have one, it might affect the amount of allowance you are eligible to receive. If you are not sure you have one, there is an online questionnaire you can take. Unfortunately, it is in Dutch, so get a Dutch friend or call up Google Translate.

How do I apply?

This procedure is very similar to applying for housing allowance.

  1. Firstly, you need a DigiID account. You get a DigiID when you have a BSN number. You can get both of these by registering at a Dutch city hall. If you do not have a DigiID, you can request one here. It also needs to be activated before you start applying for allowances.
  2. Next, head over to toeslagen.nl and click on ‘Inloggen op Mijn toeslagen’ (Log in to my allowances) using your DigiID.
  3. Now, select ‘Zorgtoeslagen’ (care allowance).
  4. You can now begin filling in the online forms.

You can also apply by post, by calling to request a form. However, this takes much longer, so it is recommended to do this procedure online.

Unfortunately, all the online calculators and the health insurance allowance applications are all in Dutch. Either get someone who speaks Dutch to help you out, or translate the forms.

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