Insurances

Insurance is something that is unfortunately necessary and can sometimes be quite useful. Maybe you're in a room for the first time or you've already left the warm nest of your parents. And you wonder what should I keep as a souvenir if I start living on my own, insurance is an important part of this.

Nowadays you have insurance for everything you can think of in this blog we mainly discuss the most important insurance policies.

The health insurance

Choosing a health insurance policy can be an important decision as it can affect the cost of medical care. Here are some things to consider when choosing health insurance:

  1. Coverage: Check what kind of medical care the insurance covers, such as regular check-ups, specialist treatments and medicines. Also consider whether the insurance offers additional coverage, such as physiotherapy or dental treatments.
  2. Deductible: Some insurance policies have a deductible, which means that you pay part of the medical costs yourself before the insurance takes effect. Consider how high your deductible may be before choosing an insurance policy. Often, the higher your deductible is, the lower your monthly premium is. A tip make sure that you can always pay your full deductible whether this is 350 euros or 650 euros.
  3. Premium: The premium is the monthly cost for the insurance. Consider how much you can afford and what your budget is before choosing an insurance policy.
  4. Insurance company: Choose an insurance company with a good reputation and a good record for paying claims.

The contents insurance for students

Choosing home contents insurance ensures that your belongings are properly insured if something happens, such as theft or damage due to fire. Here are some things to consider when choosing home contents insurance:

  • Coverage: Check what kind of damage the insurance covers, such as theft, fire, storm or water damage. Also consider whether the insurance offers additional coverage, such as coverage for high value items such as jewelry or artwork.
  • Deductible: Some insurance policies have a deductible, which means that you pay part of the costs for damage yourself before the insurance takes effect. Consider how high your deductible may be before choosing an insurance policy.
  • Premium: The premium is the monthly cost for the insurance. Consider how much you can afford and what your budget is before choosing an insurance policy.
  • Insurance company: Choose an insurance company with a good reputation and a good record for paying claims.
  • Value of your contents: Make an inventory of all your belongings and determine their value before choosing insurance. This way you can be sure that you have sufficient coverage for all your belongings. 

The liability insurance

As a student, it is important to have liability insurance to avoid being held personally liable for any damage you accidentally cause to someone else or someone's property. This also applies if, for example, your student association accidentally knocks over. Here are some things to consider when choosing liability insurance as a student:

  • Insurance company: Choose an insurance company with a good reputation and a good record for paying claims.
  • Coverage: Check what kind of damage the insurance covers, such as personal injury, property damage and financial loss. Also consider whether the insurance policy offers additional coverage, such as professional liability or business liability coverage.
  • Premium: The premium is the monthly cost for the insurance. As a student, you may be on a tight budget, so consider how much you can afford before choosing insurance.

PS please note that sometimes you are still co-insured through your parents, so check this first before you are suddenly double insured!

Legal assistance insurance

As a student, it is important to have legal expenses insurance to protect you against any legal problems. Here are some things to consider when choosing legal expenses insurance as a student:

  • Coverage: Check what kind of legal issues the insurance covers, such as rental disputes, liability claims, and employment disputes. Also consider whether the insurance policy offers additional coverage, such as coverage for family law matters or consumer issues.
  • Premium: The premium is the monthly cost for the insurance. As a student, you may be on a tight budget, so consider how much you can afford before choosing insurance.
  • Insurance company: Choose an insurance company with a good reputation and a good record for paying claims.
  • Free Advice: Some insurance companies offer free advice to their policyholders, which can help resolve legal issues before they get out of hand.
  • Limits: Check the insurance's limits, which means how much the insurance will pay out for legal fees.

If you do not have this, but still have a legal problem, take a look at the legal counter or the legal advice centre. They help you with all your questions you may have about a legal issue. 

In general, it is therefore very important that you first put on paper how much you can pay per month, but also what you want to insure.

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