about MVV

I am already in Holland, and the thing is whether an insurance is a must for me to apply ID,
most of my friends bought the insurance in China, and one friend just told me that it is not compulsory if one don't plan to find a job here.

So, anyone give some advice?

如果你要申请新的ID，保险是肯定需要的。就算你是学生也一样。