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All incoming international students must have a valid personal insurance policy from an internationally recognised, reliable and financially sound insurance agency for the duration of their stay. This insurance should cover all costs related to treatment of sudden illness, accidents and accidental death. Students must present proof of valid insurance when registering. The requirement is the same for degree-seeking and exchange students.
Citizens of other EU countries may substitute insurance by a European Health Insurance Card (issued by their home country), although health/travel insurance is recommended as well.
Health insurance for international students
Students can obtain their health insurance from any reliable and solvent insurance company.
Finnish higher education institutes have negotiated health insurance packages with Marsh/SIP and they have been pre-approved by the Finnish Immigration Service. These packages are primarily for non EU/EEA students but can be bought by EU students if they wish to have private health insurance during their stay in Finland.
For exchange students who will not have access to the student or national health care system here in Finland due to their length of study (students staying in Finland less than 2 years) and will not become members of the Student Union (although this is recommended to ALL students due to benefits and the money you will save on this insurance).
Cost: €1.18/day or €431/356 days (1 year)- this insurance can be purchased by the day with a minimum of €25 coverage plus an admin fee of €3.50.
For students who have access to the student or national health care system here in Finland because they have access to the YTHS (FSHS) student health system or they are covered by the national health system through obtaining a ‘home municipality right' (meaning their studies are considered to be 2 years or more).
Cost: €0.71/day or €260/365 days (1 year)- this insurance can be purchased by the day with a minimum of €25 coverage plus an admin fee of €3.50.
Once the €25 mount has been reached, you can purchase as many or as few days as you will need. BUT remember a residence permit cannot be issued for a period longer than the period of the insurance cover.
Instructions for obtaining insurance from the Student Insurance Program (SIP)
To get more information or to buy the Marsh SIP insurance visit please go to www.marsh.be/sip. This website allows you to purchase your health insurance online with a credit card. It is as easy as that! If you have any questions about the insurance, you must contact Marsh directly (see their "contact us" section of the website).
Please note that you, the student, are the policy holder and the University of Eastern has no right to discuss any issues with the insurer.