 We need to talk about insurance. Hopefully nothing happens to you during your stay in the Netherlands. But if it does, it's wise to have the costs covered. In this video, I'm going to tell you about two types of insurance. Healthcare insurance and liability insurance. Good to know, Dutch law requires every citizen to be insured for healthcare. In other words, it's not only smart to be insured, it's also mandatory. When you're from the European Union, in most cases, you can use your EHIC. EHIC means European Health Insurance Card. This is a free insurance card that you can apply for at your insurance company in your home country. But be aware that EHIC only covers emergency healthcare and therefore might not cover basic healthcare. Please note that the conditions of the European Health Insurance Card might differ per country. And check with your insurance company which medical costs will be covered during your study in the Netherlands. If your EHIC does not cover all of your medical costs, we strongly recommend you that you take out additional health insurance because medical care can be very expensive in the Netherlands. If you're not from the European Union, we will arrange insurance through AON for you. This insurance is valid for the first year of the study program. The insurance covers healthcare, liability and travel while studying at Saksjong. Payment for this insurance is done through the package fee in advance of the first year. For the following years, you can extend the insurance yourself. Please follow the link in the description for more information and application. Well, that's everything you need to know about medical insurance for now. But what about liability insurance? When you're from the EU, we strongly advise you to take out third-party liability insurance. This insurance covers any accidental damage or harm caused to other persons or property for which you are held responsible. The International Office can arrange this insurance for you through AON. If you would like us to arrange this insurance, we can transfer the additional money to Saksjong before the deadline. Maybe you think you won't need liability insurance. Maybe you think, you know, I'll just be careful. But we strongly recommend you to arrange your liability insurance anyway, because if something does happen, the costs can be very high. Then, there's one more thing you need to know. If you're planning to get a job during your studies at Saksjong, the insurances we just covered are not sufficient. You'll need to have a basic Dutch health insurance. You can learn more about that in our video about working during your studies. Just follow the link in the description. And if you have any further questions about insurance or anything else, don't hesitate to contact the International Office.