I'm a foreigner in Italy and have some questions about health/travel insurance when traveling.

I am a South African studying in Italy and I have healthcare coverage from the "Servizio Sanitario Nazionale" while in Italy. So no problem there. However, I am traveling back to South Africa for a few weeks for christmas, and I have no health coverage while I'm there. I've spoken to the travel agent in South Africa who helped with my flights from South Africa to Italy and back, but she couldn't help me. I am also going to the Netherlands for three months, and there I'll have the same problem.

Any info on what can be done in a situations like this would be much appreciated, thanks!