Flexpolis No Risk I, II en III

Healthcare insurance with additional supplementary insurance
No Risk III with physiotherapy and dental care.

There will be times in your life when you need more care or security

With No Risk III supplementary insurance, you also insure yourself for physiotherapy and dental care. You will find that both are a good addition to your current healthcare insurance.

You will only be able to access No Risk III via Insure To Study.

No Risk Flexpolis I, II en III

Changes with effect from 1st January: Each year, the government decides what types of care are included in the basic health insurance. As a health insurer, we also make small changes to our products. The document Changes 2025 describes what will change from 1st January.

 We have listed the Conditions of the Flexpolis for you. These are available in English.


Basic health insurance

Cover for basic care*, including: hospital admission, emergency care and general practitioner care
* this is the same for all health insurers

Supplementary insurance No Risk I

Reimbursement of compulsory excess: € 385

Supplementary insurance No Risk II

  • Emergency dental care up to € 200 per calendar year
  • Repatriation to your home country in the event of a medical need or death.
  • Reimbursement of statutory personal contribution for medicines (€250)

Supplementary insurance No Risk III

  • Physiotherapy and remedial therapy: 6 sessions per calendar year. You require a referral from a doctor. You are entitled to full reimbursement of treatments by a care provider contracted by us.
  • Dental care: all dental care will be reimbursed up to a maximum of € 250 per calendar year. A dentist can provide all types of care. This dentist does not have to be contracted by us.

Find out which healthcare treatments are included in our cover

We have put together a short overview of the healthcare treatments that are reimbursed under your public healthcare insurance and No Risk I, II and III. The overview also shows when you will be expected to pay a personal contribution.

Find out what's included in our cover.


Premium for No Risk III : € 13,75 per month

You will take out No Risk III with Flexpolis No Risk I and II. As of 1 January 2025, your monthly premium will be: € 178,45 per month.


It is easy to apply for No Risk III

Insure To Study will apply for Flexpolis No Risk I, II and III for you. If you are currently insured with HollandZorg and want to take out the Flexpolis with No Risk III, please notify Insure To Study of this by e-mail by 31 December 2024*. State the following in your e-mail:

  1. The subject of your e-mail: No Risk III
  2. Include your name and date of birth in the e-mail also of your family members**
  3. Send your e-mail to: info@insuretostudy.com
  4. Insure To Study will forward your application to HollandZorg

* You will not be able to opt to take out No Risk III during the course of the year, if you have already been insured with HollandZorg since 1 January. You will be able to opt for Flexpolis No Risk I, II and III if you come to the Netherlands to work during the course of the year and are take out health insurance.

** Children cannot be co-insured on the Flexpolis No Risk I, II and III. You can take out HollandZorg basic health insurance for them.

You will receive your new policy at the end of December 2024

You will see your new policy in My HollandZorg by 31th December at the latest.