Examples

A few examples of actual situations that did occur to international students at Fontys while being in the Netherlands:

• A student fell off his bike against a parked car. The car appeared to have damages and the student subsequently needed physiotherapy because of the fall. As the student had no liability nor a sufficiently covering healthcare insurance, his insurance did not reimburse the costs incurred, with the result that he had to pay these costs himself while not being able to afford this.
• A student experienced severe stress and trauma complaints. One of Fontys’s student psychologists wanted to send her to a specialist for advanced mental care. The student found out beforehand these costs would not be reimbursed and therefore decided not to proceed with the psychologist’s advice.
• A student suffered heavily and went to First Aid to be seen. The doctor concluded the student was suffering from kidney stones and should be admitted to hospital to be operated within a few days. However, the healthcare insurance the student took out in his home country would not reimburse healthcare cost incurred in the Netherlands in case these costs are not related to a life threatening situation. The students in all of these examples would have had no problem paying for their respective costs in case they would have taken out the proper (additional) insurances.