Brexit: Impact on UK & EU Student Health Insurance

With Brexit taking effect on 1 February 2020 and the transition period ending on 31 December 2020, it is important that you know how this may affect your student health insurance as a UK student living in the EU or as an EU student living in the UK. 

Note for International students: Your coverage depends on your country’s laws and regulations.

UK Student Coverage in the EU from 1 January 2021

There are three groups for the UK student coverage:

Group 1 - UK Students staying in an EU country until 31 December 2020

If you belong to this group, you can apply for an extension of your EHIC (European Health Insurance Card) in the UK. You will likely be covered for the rest of your academic year (possibly until August 2021), but this is still uncertain. Seek out up-to-date information from local authorities. 

Group 2 - UK Students coming to an EU country on or after 1 January 2021

If you enter the country after 31 December 2020, you will no longer be entitled to an EHIC. You will need to take out full private insurance. 

Advice for UK students

Student Health Insurance company, Aon, advises all UK students coming to the Netherlands to take out an Aon Complete starting 1 January 2021. UK students who are already residing in the country before 1 January 2021 are also advised to do the same. 

The Aon Complete insurance package covers the following:

  • Medical costs - urgent dental help included
  • Repatriation, extra costs and 24/7 emergency assistance helpline
  • Liability
  • Home contents and baggage
  • Accidents
  • Legal aid

Advice: Aon advises all Non-EU students to take out Aon Complete. All EU/EEA students are advised to take out the Aon Complete or  Aon Start+ alongside their EHIC.  

student on his way to take out an aon student health insurance

EU Student Coverage in the UK from 1 January 2021

Group 1 - EU Students already in the UK until 31 December 2020

If you’re an EU student in the UK, you may still use your EHIC until the end of your academic year. However, if you travel to another country after 31 December 2020, you will no longer be eligible for coverage with your EHIC.

Advice: Aon advises all EU students with an EHIC card to take out the Start+ Insurance.

Group 2 - EU Students entering the UK on or after 1 January 2021

Be sure to check before your departure if you are insured up to a specific amount until your national health insurance. It is still uncertain whether or not an EHIC will still be valid in the UK from 1 January 2021. 

Advice: Take out Aon Start+ Insurance. The package includes the following:

  • Additional medical costs that your normal health insurance (EHIC) does not cover
  • Repatriation, extra costs and 24/7 emergency assistance helpline
  • Liability
  • Home contents and baggage
  • Accidents
  • Legal aid

Aon Student Insurance and Brexit Information

Aon Student Insurance will inform all UK students who have taken out any packages about any and all changes that they will need to make via email. 

If you do not have Aon Student Insurance, you can also be informed about Brexit matters via the company’s website. You can also receive the right advice about your insurance coverage there. 

If you are a student or graduate living in the Netherlands and you wish to find out more about dutch health insurance, be sure to read our Health Insurance in the Netherlands Guide.

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