Insurance requirements for studying at University of Tartu

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Insurance information for University of Tartu

Insurance is important while studying at University of Tartu because it can protect students from financial loss due to unforeseen circumstances such as accidents, illness, or theft. It can also provide coverage for tuition and other school-related expenses in case of emergency or withdrawal from classes. Having insurance can also provide peace of mind and allows you to focus on your studies.

About University of Tartu

The University of Tartu is a highly respected public research university located in Tartu, Estonia, with departments across all major cities in Estonia. It ranks in the top 1% of the world's universities making it one of the best universities in Northern Europe. The University of Tartu has a total of 14,300 students, out of which 1,820 come from 101 different countries.

 Find interesting master studies for University of Tartu at Mastersportal

University of Tartu
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Insurance information for Estonia

If you are going to study and live in Estonia, you want to be fully prepared before starting your adventure. Among other things, you want to make sure your insurance covers everything you need, without paying too much.

Students from EU/EEA countries

Students from EU/EEA countries, who are in possession of valid health insurance in their home country, may use the European Health Insurance Card (see FAQ EHIC). This is a free card that gives you access to medically necessary, state-provided healthcare during a temporary stay in any of the 27 EU countries, Iceland, Liechtenstein, Norway and Switzerland under the same conditions and at the same cost (free in some countries) as people insured in that country. Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance. EHIC does not guarantee free services. As each country’s healthcare system is different services that cost nothing at home might not be free in another country.

Students from outside the EU/EEA

Non-EU students in Estonia should obtain a medical insurance for the same period as the temporary residence permit is valid. Proof of your insurance should be presented to the Estonian Police and Border Guard Board. There are strict requirements in Estonia for health insurance cover when applying for a residence permit and having the required health insurance cover is necessary for applying for a temporary residence permit for studying. A student who has been granted residence permit for study is not covered by the Estonian Health Insurance Fund. Students can come to Estonia with travel insurance but are then required to obtain proper health insurance in Estonia. You have to have an insurance contract guaranteeing that any costs related to your medical treatment as a result of illness or injury during your stay in Estonia will be met

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Is this enough?

It is important to understand that the EHIC (European Health Insurance Card) is not always enough, Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance, and a local health insurance will probably not cover:

  • (Additional) Medical costs, like dental, or the co-payment (*) according to Estonian tariffs Additional medical costs
  • Repatriation
  • Liability
  • Home contents and baggage
  • Accidents
  • Legal aid
  • Worldwide cover
  • (*) co-payment means that you will have to pay a certain amount or percentage for certain medical treatments, medicines etc. This can be very high amount.

You will need an insurance policy also covering, but also arranging for you, for example:

Free quote from Aon

Via our partner Aon, you can easily discover details that apply to your specific situation. To get advice and insight in the costs of insurance, you can freely request an instant quote.

About Estonia

Estonia, a country known for its technological advancements, offers a plethora of online services such as voting, tax payment, and business registration. With a rich history in higher education dating back to 1632, Estonian universities now provide modern facilities, advanced classroom technologies, and a wide array of English-taught degrees for international students. The affordability of tuition is an added advantage. Living in Estonia means experiencing excellent air quality, as more than half of the land is covered in lush forests. The Estonian people prioritize the preservation of the natural environment, allowing easy access to peaceful nature retreats away from bustling city life.