Our customer service has collected the most important and frequently
asked questions by other students.

Coverage of medical costs and dental costs

Medical costs

ICS Complete and ICS Start+ cover essential medical costs, such as; dental, medical, physiotherapy, acupuncture, medicines, psychotherapies and medical transport. Note that the medical costs due to existing conditions, or for complaints that you know will occur during the insurance period, are not covered.

Pregnancy

The medical costs for an existing pregnancy are excluded. Cover for costs in connection with pregnancy and childbirth only applies to an Insured Person who is following a study programme or internship at a recognised Educational Facility. Partners, children, teachers and/or researchers are not eligible for reimbursement of these costs under this insurance.

Dental costs

Under ICS Complete and ICS Start+ insurance, the maximum insured amount for dental costs to relieve acute dental pain is EUR 350 per insurance year and the maximum insured amount for dental costs due to an accident is EUR 1,100 per insurance year.

Terms and Conditions

File a claim

How can I change, extend or end my insurance?

Login to your personal page, where you can change your address or bank account details, and you can easily extend or end your ICS insurance.

If the option "extend insurance" is not visible, we must ask you to apply for a new insurance online. Please ensure that the start date of your new insurance is equal to the end date of your current insurance.

If your insurance was arranged for you by your university, please contact your university. They will be able to assist you.

How can I change my payment method?

International bank transfer

If you pay by bank transfer you have two payment options:

1. pay annually (per year)

2. pay for the total insured period at once, from the start date till the end date.

You will receive the invoice by e-mail 2 - 3 working days after we have approved your request.

Credit card

If you pay by credit card (MasterCard or Visa) you must pay for the whole insured period at once.

Dutch bank account number

If you pay using a Dutch bank account you can choose between the following payment frequencies:

• At once
• Monthly
• Quarter
• Half Year
• Year

Switching payment method

Login to your online account and switch payment method.

Please note: It is not possible to change your default payment method from international bank transfer to credit card. If you would like to pay by credit card, you will have to cancel your insurance policy and apply for a new one.

If your insurance was arranged for you by your university, please contact your university. They will be able to assist you.

Changing address- or bank account details

Login to your personal online account and switch payment method or change your address.

If your insurance was arranged for you by your university, please contact your university. They will be able to assist you.

When do I need to apply for Dutch Basic Healthcare insurance?

The following document will help you to determine whether you are required to apply for the Basic Healthcare Insurance or not during your stay in The Netherlands.

Flow chart Basic Healthcare Insurance | (source: Nuffic)

Aon Dutch Basic Healthcare Insurance

Apply for Aon Basic healthcare insurance

Why have I received a letter from the Centrale Administratie Kantoor (CAK)?

If you are an international student in The Netherlands, you might receive a letter regarding health insurance from the Centrale Administratie Kantoor (CAK). The letter states that you will incur a fine of approximately EUR 380 if you have not taken out the Basic Healthcare Insurance within 3 months. Click on the following link to read more about this letter.

Important information about your insurance position in the Netherlands

Search year ('zoekjaar') in The Netherlands

For international students from a non-EU country

If you have graduated recently or will graduate shortly and will continue to stay in The Netherlands as a so called 'zoekjaar' (search year) student, you can apply for a new insurance via our website. Please note that:

• Your new insurance policy must start within 3 years after you graduated.
• You also must have had an Aon Student insurance for at least six consecutive months.

If you apply for the ICS insurance please select your home country and destination country  (The Netherlands) and select "Search year student" at "Your situation".

Please note that you can only purchase this insurance if you have a "search year permit". Aon might ask for proof of your search year permit or a pending application for one. The search year permit is a permit for a maximum period of one year, to enable you to look for a job in The Netherlands after the completion of your study. If you find a paid job or internship in The Netherlands, you will need to take out the public Dutch Basic Healthcare Insurance.

Important phone numbers to keep on you

Do you have an ICS insurance with Aon? In case of emergency you, or someone on your behalf, can contact our 24/7 emergency assistance helplines. Remember to keep these numbers at hand during your study abroad.

Keep the following information at hand when you call:

• your name
• your policy number
• your contact details
• contact details of the hospital

In the event of hospital admission anywhere in the world, with the exception of the USA, you should first contact:

Aon Assistance (24 hours/7 days)

Tel: +31 (0)10 448 8260

If you need to visit a healthcare provider in the USA, you should first contact:

GMMI (24 hours/7 days)

Tel: 1 800 682 6065 (free within the US)

www.gmmusa.com Billing address:

GMMI, 1300 Concord Terrace, suite 300, Sunrise, Florida 33323 USA

File a claim

When does your insurance coverage start?

Your request should be reviewed by Aon within 5 working days after you have completed the online application form. During busy periods this may take a little longer. Once your application has been approved, you will receive an e-mail containing your insurance policy. It is therefore essesntial that you provide us with your correct e-mail address.

You are covered from the starting date that you requested in the application form. 

• If the homeland is located within the EEA, the cover does not commence until the moment you have left your home in your homeland to travel to the destination country.
• If the insurance was applied for after you left your home in the homeland to travel to the destination country, the cover commences at the moment at which this insurance was applied for.
• If the starting date falls on a later date than the date of application, your cover will commence on the starting date.
• If your homeland is located outside the EEA and the destination country is located within the EEA, the cover does not commence until the moment you arrive at your home in the destination country, on condition that Aon receives the application on or before the starting date.

Please note: The insurance cover is always on condtiion that Aon receives your premium on time. "On time" means within thirty days after notification of the premium.

Terms and Conditions

Policy terms and conditions and other service and product information

Service and product information

The details our Policy Terms and Conditions, Summary of cover and Product information can be found here.