FAQ

Frequently Asked Questions (FAQ)

The Insurance Passport for Students (IPS) is a comprehensive health and travel insurance, tailor-made to the needs of students who are going to study or intern abroad. With IPS, you take care of all the insurance you need for your studies or internship abroad in one convenient package. To find out more about the IPS product, click here. 
If you want to find out which product fits your situation, you can use our Insurance Guide to help you out!
You can have an IPS insurance for a minimum of 1 day. You can use the IPS insurance for a maximum of 7 years. Furthermore, you can only use the IPS insurance as long as you are studying, doing your internship or if you are in your searching year.
In principle, we do not send the insurance card. This is because the policy paper you have received via email is sufficient proof of your insurance.
Yes, we have an age limit. The applicant needs to be over 16 and not older than 55 years old in order to apply for an IPS insurance. In case someone is under 16 or over 16, contact us via email.
IPS is a private insurance. This means that you are not eligible to have ‘Zorgtoeslag’. If you have a Dutch Basic Health insurance, you are eligible to have ‘Zorgtoeslag’. Read more on how to apply for Zorgtoeslag here.
During your searching year, you can use the IPS insurance until you find a job. As soon as you found a job, you need to have another insurance. In the Netherlands it means you need to have a Dutch Basic Health Insurance. More information about the Dutch Basic Health Insurance can be found hier.
IPS covers:
- medically necessary health costs
- luggage & household goods
- liability
- legal aid
- accidents
- special costs (such as repatriation).

To learn more about the coverage of the IPS insurance, please read our Coverage Overview or download our Terms and Conditions.
The easiest way to claim is via your Online Portal
If you want to extend your current insurance, you can do this through your Online Portal, You have received login details for this portal at the start of your insurance.

Submitting a claim
1. Click the ‘Claims’ button on the left hand side.
2. On the right-hand side, you can then click on ‘New Claim’. Fill out the form to send in your claim, and make sure to upload the corresponding invoices.
3. Submit your claim. Our Claims department will then assess your claim. We strive to process claims within five working days.

In case this isn’t possible, you can use the web form for claiming.
- When there is a gap between your last insurance and your re-application, you can easily re-apply through our online application form.
Canceling your IPS insurance is simple - just send us an email. In this email, mention your policy number, the date from which you wish to cancel your insurance and the reason for the termination. We will cancel the insurance for you and will contact you about a possible refund of the premium you paid.
To receive your policy documents, choose 'Receive policy now' in our Online Application Form . You will receive the invoice for the first insurance term immediately. After your payment, a policy document will be sent via email directly.

If you don't choose 'Receive policy now', your payment link & policy will be sent two weeks before the start of your insurance.
You can easily apply online, through our online application form. You can be insured within three minutes.
If you want to extend your current insurance, you can do this through your Online Portal, or you can send us an email requesting your extension..
- When there is a gap between your last insurance and your re-application, you can easily re-apply through our online application form.
Canceling your IPS insurance is simple - just send us an email. In this email, mention your policy number, the date from which you wish to cancel your insurance and the reason for the termination. We will cancel the insurance for you and will contact you about a possible refund of the premium you paid.
To receive your policy documents, choose 'Receive policy now' in our Online Application Form . You will receive the invoice for the first insurance term immediately. After your payment, a policy document will be sent via email directly.

If you don't choose 'Receive policy now', your payment link & policy will be sent two weeks before the start of your insurance.
The costs for the IPS Primary insurance are € 1.21 per day.
The costs for the IPS Secondary insurance are € 0.83 per day.
The costs for the IPS Basic insurance are € 0.53 per day.

You only pay for the days you use – no extra costs apply. To easily calculate what the total premium is for your trip, fill in the first page of our online application form.
The costs for the additional winter- and underwater sport coverage cost around € 5.00 per month.
There are several options to pay for your insurance.

1. You can pay online. Our payment options include MasterCard, VISA, iDeal, SOFORT Banking, Giropay & Bancontant.

2. Manually transfer the premium to StudentsInsured. Payment instructions are included in your payment emails.

3. When you have a Dutch bank account, you have the option to authorize StudentsInsured to automatically deduct the premium from your bank account.

When you apply for IPS, you can choose your payment term: this can be monthly, quarterly, every half year or year, or in one payment.
Yes, it is possible to pay with the credit card from your home country. Please note that it might take up to 5 business days before the payment is processed. Until this point, you might see the payment status 'Pending' or 'Pending approval' in your credit card overview.
When you’re registered in the Netherlands, it can happen that you’ll receive an automatically generated letter from the CAK / Zorginstituut Nederland (Health institute The Netherlands). In this letter they’ll state that you need to apply for the Dutch Basic Health Insurance at a Dutch Health Insurance company and that if you don’t you’ll receive a fine.

What do I have to do now?
You can take our health insurance check to see if you indeed must apply for this insurance. In most cases you’re not obligated to apply for the Dutch Basic Health Insurance at all. If our test tells you that you’re not obligated to apply for the Dutch Basic Health Insurance, then you have to do one more thing. You must fill in this letter and send it to the Sociale Verzekeringsbank (SVB), or in English the Social Insurancebank. You can find the address on the letter itself!

Sociale Verzekeringsbank
The SVB will do a final check, by using the form you filled in and send them. They’ll determine whether you need to apply for the Dutch Basic Health Insurance or not. They will give you the result of the test within a few weeks. If you don’t need to apply for the Dutch Basic Health Insurance then you don’t need to do anything. The SVB will contact Zorginstituut Nederland and tell them you don’t have to apply for the insurance. You’ll receive a confirmation of this from the Zorginstituut Nederland. (If you don’t received a confirmation within a few weeks, then contact CAK just to make sure they received the results from the SVB!)

I have to apply for the Dutch Basic Health Insurance
If the SVB decides that you have to apply for the insurance, then you must make sure that you do this within a few weeks time. You can apply for a Dutch Basic Health Insurance here. When the application is finished you can contact the Dutch Health Insurance company (IAK) to provide you with a certificate as a proof of the insurance.