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.

Insurance Product Information Document (IPID)

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.

Insurance Product Information Document (IPID)

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

Study and Health Insurance in Holland

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

Conditions Search Year policy

You are eligible to take out our Search Year Insurance (Complete coverage), to cover unemployment in the Netherlands. This is only applicable, if you are a non-European student and meet the following requirements:

• You have had our Aon Student Insurance for at least a period of 6 consecutive months not longer than 3 years ago;
• You are in the possession of a search year permit, or you at least already applied for a search year permit at the Immigration and Naturalization Service (IND) for which request you possess a confirmation;
• You are unemployed (as soon as you have found a job, you are obliged to take out a Dutch Basic Healthcare Insurance) or you investigated via SVB* that you are not obliged to take out a Dutch Basic Healthcare Insurance;
• The end date of the Search Year Insurance must be equal to the end date of your search year permit, or any date before the expiration date of this permit.

Premium
The premium for the Search Year Insurance is EUR 1,99 per day. On our website you can simply get a quote for the premium of your requested period, by clicking at the button ‘advise me and get a quote’, without any obligation to take out this insurance. In order to get a quote, click here. First fill out your home and destination country and then choose ‘Search Year student’: in the field ‘Your situation’.

Pre-existing conditions
According to the  Policy Terms and Conditions No. 1.16 applicable to the Search Year Insurance, all pre-existing conditions are excluded from coverage according to  article 2.16 Exclusions. Please know that the Search Year Insurance excludes all pre-existing conditions, even if you had an insurance policy before in which pre-existing conditions were included.

Employment during search year
Please note that, if you have found a job, you are obliged to take out a Dutch Basic Healthcare Insurance. This means that your Search Year Insurance becomes invalid as per the start date of your employment. It needs to be cancelled by yourself, by logging in to your personal online account. Please make sure that you cancel your insurance as soon as possible, because it is impossible to backdate the cancellation of the Search Year Insurance. We will refund excess paid premium from your requested cancellation date.  

Unfortunately, Aon cannot offer the Dutch Basic Healthcare Insurance to Search Year students. In case of starting a job within your search year, you must find a Dutch Basic Healthcare Insurance provider by yourself**. 

* The Sociale Verzekeringsbank (SVB) can determine that you are insured under the WLZ scheme, this automatically means that you will have to apply for a Dutch basic healthcare insurance. Click here to go to the WLZ form. If the SVB determines that for you the Dutch Basic Healthcare Insurance is not applicable, based on the investigation, you are not eligible to apply for this insurance.
** There are several providers. Aon also offers Dutch Basic Healthcare Insurance for non-students on this page. 

Important phone numbers (in case of emergency)

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.

Insurance Product Information Document (IPID)

Terms and Conditions

Policy terms and conditions & Insurance Product Information Document (IPID)

Service and product information

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

Insurance Product Information Document (IPID)