Private student health insurance policy

A list with highlights

  • Available for students, up to an age of 35 years, enrolled at a Dutch university
  • Policies available as from EUR 29,50 per month
  • Coverage for emergency dental care in The Netherlands
  • All GPs in The Netherlands covered / contracted
  • No excess/deductible
  • Waiting period on medical benefits (except for emergency care) of 1 month
  • No coverage of pre-existing conditions

Private Student Health

LoonZorg offers 2 student insurance packages for students that are enrolled at a Dutch educational institution. These policies, of Citizens Insurance, are available for students that do not have a working contract in The Netherlands. The policies offer a coverage for care and/or treatments provided by the general practitioner (GP)/family doctor or public hospital. On top of this coverage the student policies offer a coverage for emergency dental care, physiotherapy and psychological care.

Please note that for non-emergency care a referral from a GP is required. For medicines the requirement of a prescription applies. Also important to know is that the student policies do not cover pre-existing conditions. 

Student policies are private policies and that is why they are restitution policies. This means that the care providers will not be able to find you in the Dutch care system. Invoices will have to be paid for upfront by the insured and can be forwarded to LoonZorg by email for reimbursement. 

As soon as a student will start (part-time) working in the Netherlands (there is an exception for internship programs), the employer will pay contributions towards Social Security. From that moment on, the student is obliged to take out Dutch public health insurance. In this case LoonZorg will be happy to help you switch your policy package to the best priced public health insurance policy. 

In order for us to register you under a student policy we will ask you to forward a proof of being a student in The Netherlands together with a copy of your ID. As well we will ask you to fill out a ‘medical application form’ that will be forwarded to a medical advisor.

Please note that during the 1st month of the student health insurance packages, only (non-pre-existing) emergency care is covered.



Date of birth*
Insurance Package*
Effective date (as from which date do you want the new insurance to start)*




By signing this mandate form, you authorise LoonZorg B.V. to send recurrent collection instructions to your bank to debit your account concerning the monthly premium and your bank to debit your account on a recurrent basis in accordance with the instructions from LoonZorg B.V. Premiums will be taken from the account around the last working day of the month. As part of your rights, you are entitled to a refund from your bank under the terms and conditions of your agreement with your bank. A refund must be claimed within 8 weeks starting from the date on which your account was debited. Ask your bank for the conditions.
By sending this form to LoonZorg B.V., applicant authorizes LoonZorg B.V. to register the person stated above for the Citizens Student policy. The policy will be effective after receipt of the first monthly premium. This application is only valid after receipt of the requested documents. LoonZorg will only use your personal details for policy purposes and will not share these details with third parties. For more information please find following privacy statement