Insurance requirements for studying in Finland
Insurance information for Finland
If you are going to study and live in Finland, 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
To obtain a student visa the student must be covered by private health insurance for the entire planned period of stay in Finland. There a number of requirements that the insurance must meet to be accepted by the Finish immigration authorities. The insurance offered by our partner Aon has been pre-approved and will be accepted as it meets all requirements.
No worries, we've got you covered. Together with our partner Aon, we are going to make sure you get the perfect insurance package. Your study abroad adventure will be awesome, but insured for all risks, including health care.
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 that a local health insurance will probably not cover:
- (Additional) medical costs, like dental
- Repatriation
- Liability
- Home contents and baggage
- Accidents
- Legal aid
- Worldwide cover
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.
- Tuition Fee Insurance for international students what is it and why its useful
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 Finland
Finland is an ideal destination for international students, especially those from the EU/EEA, as they can enjoy tuition-free education at local public universities. Renowned for its exceptional education system, Finland is also ranked among the happiest and safest nations globally. With a wide selection of over 400 English-taught programs, students have ample choices. In their leisure time, they can explore the awe-inspiring Finnish nature, including the countless lakes that earned Finland the nickname "The Land of a Thousand Lakes." Moreover, Finland's convenient location allows easy travel to neighboring countries such as Norway, Denmark, Sweden, Russia, and Estonia.
Frequently asked questions
Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance
(European Health Insurance Card - Employment, Social Affairs & Inclusion - European Commission (europa.eu))
An EHIC gives the student the right to access state-provided healthcare during a temporary stay in another EU country, Norway, Iceland, Liechtenstein or Switzerland.
When you are in possession of a valid EHIC during your study period in Finland, it only provides coverage for emergency medical expenses. Please note that this does not include any costs for medical evacuation, physical therapy, acupuncture or emergency dental expenses. You are also not covered for your personal possessions, liability, legal aid, emergency assistance and extra travel expenses.
The validity of the EHIC depends on your home country and your insurer in your home country. It may not cover the full period of studies. Please verify the validity of your EHIC with your insurer in your home country for your study period abroad in Finland.
However, the coverage of the European Health Insurance Card or private insurance may not be sufficient, especially in case of repatriation and specific medical intervention. In that case, a complementary private insurance might be useful.
Taking out an additional insurance during your study abroad in Finland is specially needed for the risks that are not covered for with your EHIC. This to be certain that you are properly insured during your study period.As each country’s healthcare system is different services that cost nothing at home might not be free in another country like Finland.
