Have a look at all frequently asked questions below

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

Coverage of the ICS insurance

The ICS complete is custom-made for international students abroad and for international students within The Netherlands who are not obliged to have the Dutch Basic Healthcare Insurance.

ICS Start and ICS Start+ are supplementary insurances for international students who already have primary healthcare insurance, a European Health Insurance Card (EHIC) or a Dutch Basic Healthcare Insurance.

  •  ICS Complete offers cover for medical costs, liability, personal items, accidents, legal aid and extra costs/emergency assistance.
  •  ICS Start+ gives supplementary cover for medical costs and covers liability, personal items, accidents, legal aid and extra costs/emergency assistance.
  • ICS Start does not cover medical costs, but does cover liability, personal items, legal aid and extra costs/emergency assistance.

Insurance Product Information Document (IPID)

 Terms and Conditions

Can partners and children also apply for Aon Student insurance?

Yes. Registrated partners and children may be insured under the ICS insurance, on the condition that;

• you are still enrolled as a student and you have your own ICS insurance;
• your partner or child's insurance period falls entirely within the validity period of your own ICS  insurance with Aon;
• your partner or child buys the same ICS insurance as you have;
• each family member applies individually for their own ICS insurance.

During the application process you choose the option partner/child. Keep your policy number at hand during the application process.

Please note:
1. Partners and children pay a higher premium for the ICS Complete package (EUR 1,99 instead of EUR 1,31 per day).
2. The cover differs on several points from your own insurance cover. Please therefore check your insurance policy conditions carefully regarding this.

Insurance Product Information Document (IPID)

Terms and Conditions

When does my insurance cover start?

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 condition 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

Coverage for 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

Coverage for existing medical conditions or complaints

Costs due to existing conditions or for complaints that you know will occur during the insurance period, are not covered.

Insurance Product Information Document (IPID)

Terms and Conditions

File a claim

Coverage for an existing pregnancy

If you are already pregnant when you apply for the insurance, all costs arising from the pregnancy or childbirth are excluded from cover. Should you become pregnant after the starting date of your insurance, there is (limited) cover under the ICS Complete and ICS Start+.

(Medical) Costs in connection with pregnancy and childbirth are only covered if you are a Student following a study program or internship at a recognised Educational institute. Partners, children, teachers and researchers are not eligible for reimbursement of these costs under this insurance.

Insurance Product Information Document (IPID)

Terms and Conditions

File a claim

Coverage Liability insurance

The liability section of the package covers the financial costs for matters such as damage you accidentally cause to another person or to their property.

For full details regarding what is covered under this section, please see the policy terms and conditions.

Insurance Product Information Document (IPID)

Terms and Conditions

File a claim

Coverage Legal Aid insurance

The legal aid section of the package describes under which conditions you can receive compensation for legal help.

Insurance Product Information Document (IPID)

Terms and Conditions

File a claim

Coverage Accident insurance

The accident section in the package offers compensation for permanent disability or death due to an accident that takes place within the validity period of the insurance.

Insurance Product Information Document (IPID)

Terms and Conditions

File a claim

Coverage of costs for glasses and contact lenses

Costs of glasses and contact lenses are for your own account and not covered.

There is one exception: There is coverage for loss, damage or theft of contact lenses / glasses during an insured trip under the Home contents and baggage insurance.

Terms and Conditions

File a claim

Coverage 'extra costs'

Included in the cover for 'extra costs' are; costs of flights should you unexpectedly need to return to your country of origin due to a death in the family. Alternatively, if you become seriously ill or injured, airline tickets for two of your family members to your destination (study) country will be reimbursed. Furthermore, costs due to emergencies such as an evacuation or repatriation under medical supervision or repatriation of your remains are also covered.

Insurance Product Information Document (IPID)

Terms and Conditions

File a claim

Coverage Personal Items

The Personal Items section covers:
- Damage to your property in your home in the country of destination due to fire, explosion, theft, vandalism, storm, rain, damage caused by leaking taps or aquariums and lightning.
- Loss, damage or theft of your Personal Items while you are travelling.

Insurance Product Information Document (IPID)

Terms and Conditions

File a claim

Is there cover for medical costs in my country of origin?

The Medical Expenses section of your ICS insurance offers cover for a period of at most eight consecutive weeks during a temporary stay in your Homeland or outside your Destination Country in connection with a trip.

The cover for the Medical Expenses section is also in force during an internship in your Homeland for a maximum of nine months.

Insurance Product Information Document (IPID)

Terms and Conditions

File a claim

Is there cover during an internship in my country of origin?

The cover for the Medical Expenses section is in force during an internship in your Homeland for a maximum of nine months.

Terms and Conditions

File a claim

Still didn’t find an answer to your question?

Please contact us by e-mail or phone

Claims

You can easily file a claim via e-mail. Just follow the instructions.

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Contact us

Should you have any questions after reading the information and our FAQ section on this website, please contact our customer service.

Contact Aon

Call Aon

+31 (0) 10 448 82 70
Available Monday till Friday from 08:30 till 17:30 CET