It is extremely important that you have a good health insurance that is valid throughout your studies in Finland. Health insurance is one of the obligatory requirements for obtaining a residence permit for studies in Finland. Your health insurance must be valid upon entry to Finland.
Additionally, when applying for an extension of your residence permit, you need a valid health insurance.
What kind of insurance will I need?
If you are a citizen of a non-EU/EEA country and arrive in Finland for the purpose of studying, you must have a valid health insurance if your studies last for more than three months.
- If you are studying in Finland less than two years, you must have a private health insurance that covers the cost of medical treatment up to 100 000 euros.
- If you are studying in Finland for at least two years, you must have a private health insurance that covers the cost of medical treatment up to 30 000 euros.
- The insurance deductible must not exceed 300 euros.
You must have insurance for your entire stay in Finland. Your insurance must be valid upon entry to Finland. If you intend to study in Finland for one year or longer, take out a one-year insurance policy. Be sure to renew your insurance policy prior to expiry.
More information about what kind of an insurance you need is available on the Finnish Immigration Service’s (MIGRI) website.
Why do I need an insurance?
While Finland is an extremely safe country, accidents do happen. You may unexpectedly injure yourself while participating in sports, for instance, and dealing with the aftermath can be very costly. It is very important to have a valid health insurance policy.
It is recommended that you buy an insurance that not only covers your stay in Finland but also during trips to and from the country. If you plan on traveling, it is advisable that you make sure you are covered by your insurance during your trips, too.
In case of any urgent medical attention, you are guaranteed access to medical treatment under the Finnish legislation, regardless of your nationality. However, if Finland does not have a social security agreement with your home country, the health care provider has the right to charge you the full cost of the treatment.
Normally, only permanent Finnish residents are covered under the National Health Insurance scheme by the Social Insurance Institution of Finland (Kela). International students with a temporary student residence permit are not. Unless you are covered by a corresponding scheme from your own home country or have a European Health Service Card, you are strongly advised to obtain a medical insurance from a private insurance company before your arrival to Finland.
Please refer to the Social Insurance Institution of Finland for detailed information about coverage under the Finnish social security system.
Student Health Services
Student health services are offered by the Finnish Student Health Service (FSHS), and are available for all students studying on a Bachelor’s or Master’s level at universities and have paid their student union membership fee to a student union that is affiliated with the FSHS.
Those studying for a Licentiate of Medicine, Dentistry or Veterinary Medicine degree are also entitled to use the FSHS’s services. The health services are not available for Doctoral students, so if you are admitted to Doctoral level studies, please contact your university for advice and options on local health care.
If you are studying at a university of applied sciences (UAS), the health care services are usually provided through municipal health care providers. You can find more information on your health care arrangements from your UAS directly.
Please note that even when your student status makes you eligible to access the student health care services, this does not replace the need for a valid insurance.
Finland is among the best in the world in terms of health and hygiene, thus no vaccination is required prior to arrival. However, some vaccinations are part of the national vaccination program. All adults should ensure that they have received at least a basic series of three vaccination doses each for tetanus, diphtheria, and polio.
For whom and when?
Diphtheria and tetanus vaccine, dT People who have received the basic series are given a booster every 10 years Polio vaccine, IPV The basic series generally requires no boosters in adult age.
A booster is recommended for people arriving from or departing for at-risk areas and for their families.
Measles, mumps and rubella vaccine, MMR In order to ensure coverage, every adult must be protected against measles, mumps, and rubella, either by having had the diseases or by having had two doses of MMR vaccine. If an adult has insufficient MMR vaccination coverage, it will be augmented
More information about vaccinations can be found at the Finnish National Institute for Health and Welfare website.