On this page you will find information about insurances that are arranged by HKU and which you yourself must conclude. You need to make sure that you are properly insured during your stay.
By Dutch law you are obligated to have healthcare insurance.
The type of healthcare insurance you need depends on your personal situation.
If you are to blame for an accident that injures someone or damages another
person's property, you are responsible for paying all the costs that result
from the accident.
You might, for example, break something where you are
working or cause damage to your rented room. The resulting claim
for damages could be very expensive. You are therefore strongly urged to have a
good liability insurance.
You are advised to take out travel insurance for coverage of accidents, luggage, repatriation and (additional) healthcare when you are traveling.
Other recommended insurances
Please see the information at Study in Holland.
HKU insurance for students
HKU students are 'secondary' (primarily applies to their own health insurance) insured for accidents. This concerns the medical costs resulting from an accident at a HKU
location, internship location and during a stay abroad for an
The costs that are not covered by your own insurance can be reimbursed via the HKU insurance. To this end, the accident must have been reported to the HKU location on time. In some exceptional cases it may be that there is coverage through the insurance of HKU.
HKU also has a liability insurance. This means that if there is damage to persons or items of third-parties (or yourself) and HKU is to be blamed for this, we are insured for this damage. The rule of thumb here is that the causer of the damage is liable for this. It would be wise to take out a liability insurance (WA)!
If you have any questions, please contact the Service Desk at your location.
The HKU insurances for accidents and liability also applies if you go abroad during your HKU study. Students are obligated to take out their own travel insurance.