Insurance requirements for studying at University of Tartu
This page has information from University of Tartu and Estonia combined. This might have resulted in repetitive info. Please read carefully and in case of questions please contact University of Tartu
Ranked in the top 1.2% of the best universities in the world, the University of Tartu is a prestigious public research university located mainly in Tartu, Estonia with departments in all major Estonian cities. UT has 13,000 students, including 1800 international students from 105 countries.
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, 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
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:
- You returning home if a close relative is seriously ill or dies;
- Up to two close relatives visiting you in if you fall seriously ill;
- Your medical repatriation to your home country for hospitalization or rehabilitation treatment;
- or in the worst possible situation, returning a body home for burial.
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 is an innovation and technology hub where you can do almost anything online: vote, pay taxes, open a business, etc. This beautiful country has a long history in higher education, with the first local university being established in 1632.Nowadays, Estonian universities and colleges offer modern facilities and classroom technologies, high academic standards, and over 150 English-taught degrees aimed at international students. Tuition is also affordable.
While studying and living here, you’ll enjoy some of the best air quality in the world. Over half of the country is covered with forests, and Estonians place great emphasis on protecting and nurturing the natural environment. It’s very easy to reconnect with nature and take a break whenever you want to get away from the noisy city life.
