When you apply, please fill in your current address, your address in country of origin. In the case, you already know your address in the Netherlands, you can fill it in on the form. When you don’t know your address in the Netherlands yet, you can inform us about this after arriving in the Netherlands. At the moment you apply, we will ask you to pay the premium for the first months. Therefore it is better to apply when you know for sure you will fly to the Netherlands.

As these insurances are special for TU Delft students, pre-existing conditions are included.

Medical coverages after getting the coronavirus are also included. As the coronavirus is qualified from the WHO (World Health Organisation) as an epidemic and pandemic, other insurance companies may exclude coverage in case of an epidemic and pandemic. Please be aware of this.

After applying for our student insurance you will receive an automatic confirmation by email from Insure To Study.

This confirmation will also contain a temporary policy (‘Pre-polis’). If you didn’t receive it, please check your email spam folder.

You will receive the original policy and all relevant documents by email within 2 working days. 

TU Delft students please visit www.sgzstudent.nl. ‘SGZ student’ and your student insurance company ‘Insure To Study’ are working closely together. Upon presentation of your insurance card, which you will receive after you applied for the student insurance, SGZ will send your invoice directly to the insurance company.

You can select the GP of your choice, but you need to find one in your area. Perform a Google search: huisarts, streetname, city.
Your search result will list all general practitioners in your area. It is not uncommon the GP will bill you during your visit. It is customary to pay upfront and get reimbursed afterwards by the insurance company.

You can also visit the following website with information about general practitioners in Delft:
https://www.zorgkaartnederland.nl/huisarts/delft

When you feel sick during your GP’s of duty hours you can call him/she to get the details of an on-duty GP service. In every city there is a GP service website/phone number you can call. During a brief telephone interview the GP service will determine if it is necessary for you to visit the GP service (called huisartsenpost).

For Delft for example: huisartsenpost Delft.
Website: https://hapschievliet.nl/
Phone number: 015-2511930

In the Netherlands the first one to see, when you don’t feel well is a general practitioner (GP). He/she will advise you on what to do, look for the cause and suggest treatments. You need a referral from a general practitioner for medicines, a medical test or to see a specialist in the hospital.

In the Netherlands, you can’t go directly to the hospital. In case of real emergency the emergcy number is 112.

Also please see the answer of the next question, Who can I contact in the evening, night or weekend when the general practitioner is not available?

Please send us an email with a copy of your return ticket home and a copy of the removal from the municipality.

If you start working this might have consequences for your healthcare insurance. Contact us when you start working or when you start a paid internship.

What you have to do depends on your situation.

When you have no income.

When you are an international student, researcher, visitor or family member and have no income in the Netherlands, and this is the first letter you received from the CAK stating that your are not insured (https://www.svb.nl/en/the-wlz-scheme/the-cak-says-that-you-are-not-insured), you have to ask the SVB to do an assessment.

How to ask for an assessment, follow the link.

https://www.svb.nl/en/the-wlz-scheme/assessment-of-your-wlz-insurance-position/apply-for-an-assessment-of-your-wlz-insurance-position

The CAK mentioned this in the letter as well.

Once the SVB has received your assessment request, they will contact the CAK to make sure your case is put “on hold” until the SVB has decided the outcome. It is important that you respond to the letter from the CAK as quickly as possible, even if you think you have received it in error, otherwise you risk being fined. You must prove to the “SVB” that you are exempted from the obligation to have the Dutch public health insurance. The assessment with SVB takes a maximum from 8 weeks.

Most likely you are insured in the Netherlands, and have a private health insurance or you have a valid EHIC (European Health Insurance Card) with medical coverage in case of emergency. International students, researchers, visitors or family members without income in the Netherlands and who are here for a short period, can stay in the Netherlands, most of the time, with a less expensive private health insurance. They are exempted from the obligation of having the Dutch public health Insurance. This is all due to laws and
rules, SVB will during the assessment judge your personal specific situation.

When you have income.

When you do have income besides your study or research you need to apply for the Dutch Basic health insurance as soon as possilbe. Please send to us an e-mail or give us a call. We will inform you/advice you further. When this is the second letter from the CAK, you wil have received a fine as well. Best to email us or give us a call. We can help you/guide you.