关于买保险的问题？求助

学校要求我去荷兰之前将保险买好，“Having a health & liability insurance is compulsory; you have to arrange it before leaving to the Netherlands.”

那IPS和AON比起来那个好一点，而且学校要求是health & liability insurance ，“not only against medical expenses but also against accidents, liability, legal assistance and the loss of baggage or other personal belonging”，那是不是我只买基本险不行，还必须的买那些附加险啊？？？？ 求教啊求教，离要出去的时间不多了

学校不强制马？