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.

  • 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.

    MIGRI recommends a number of private insurance solutions. One of these insurance companies, and the only one with offices in Finland is Aon Student Insurance

    Aon incurance company logo

    Aon Student Insurance is comprehensive, has worldwide coverage and has a competitive price. It provides you with unrivaled international health and personal insurance abroad.

    Aon Student Insurance plans comes in two packages, providing you with the choices you need.


    The Complete package gives you all the insurance you need during your stay abroad, including a primary coverage for medical expenses made on the grounds of medical necessity. This is the cover that meets the requirements of the Immigration Authorities.


    The Start Package does not cover medical or dental expenses. However, as with the Complete package, the Start Package covers accident insurance, additional costs and emergency assistance, third-party liability, legal aid, home contents, and travel and baggage. If you have an European Health Insurance Card (EHIC), or other private medical insurance admitted by the Finnish Immigration Authorities this is a cover you could consider.


    Unique benefits

    • Recommended by The Finnish Immigration Services
    • Medical insurance, without any deductible or co-payment
    • Worldwide coverage
    • Eight weeks holiday cover in home country for medical costs
    • International internships are also covered
    • Multilingual customer service
    • 24/7 emergency assistance
    • In house claims handling
    • Online claims



    You only pay for the total of insured days. In other words, no hidden costs.

    Premium rates Daily Monthly
    Complete EUR 1.31 EUR 39.30
    Start EUR 0.53 EUR 15.90


    About Aon Student Insurance

    A dedicated Customer Service Team offers insurance each year to tens of thousands of international students all over the globe. We communicate with international students every day. After more than 30 years of listening to universities and students, Aon has learned what is considered important in an insurance plan for international students.

    Apply online

    If you are looking for an insurance, or wish to change your existing policy, e.g. to extend your cover, end your insurance, or notify us of a change of address, go to Aon’s website.

    For any additional questions, please visit the FAQ section on the Aon Student Insurance website or email

    About Aon

    Aon plc (NYSE:AON) is a leading global professional services firm providing a broad range of risk, retirement and health solutions. Our 50,000 colleagues in 120 countries empower results for clients by using proprietary data and analytics to deliver insights that reduce volatility and improve performance.

    Go to Aon Finland for more information.


    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.

  • Vaccination

    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.

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