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.
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.
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:
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.
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.
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
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
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:
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.
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:
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
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.
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.
Service and product information
The details our Policy Terms and Conditions, Summary of cover and Product information can be found here.
Should you have any questions after reading the information and our FAQ section on this website, please contact our customer service.
Contact Aon
+31 (0) 10 448 82 70
Available Monday till Friday from
08:30 till 17:30 CET