Health Insurance Required from Third-Country Nationals as of 1 September 2007

As of the 1st of September 2007 third-country nationals (non-EU/EEA/Swiss citizens) who will come to Finland to study or for a student exchange are required to have a health insurance if their studies or exchange period will last over three months.

This change in the § 46 of the Aliens Act will come into force on the 1st of September 2007.
The change is based on the so-called student directive of the EU (2004/114/EC).

In Finland the requirements of the directive are applied to students referred to in the Aliens Act. The requirement of a valid health insurance is added to the requisitions of a residence permit for studies in Finland.

The third-country nationals coming to Finland for studies are required to have an insurance that will cover the costs of health care. For those whose studies will last at least two years an insurance covering medicine costs is enough. The insurance has to be valid upon arrival to Finland and should be issued by a reliable and solvent company or institution.

Please see the attached information leaflet for further information.

Examples of health insurances

Foreign students should take out the insurance from a solvent and reliable company or institution. Finnish insurance companies do not usually grant insurance to foreigners who are not permanent residents of Finland.

Oulu University of Applied Sciences has made an agreement with the If P&C Insurance Company about a health insurance for international students. The insurance premiums are as follows:
- students whose studies will last the maximum of two years: 0.99 EUR/day and it covers medical expenses up to 100 000 EUR.
- students whose studies will last the minimum of two years: 0.40 EUR/day and it covers medicine expenses up to 30 000 EUR.

Further information, details about billing, and registration for the insurance are handled through the Student Affairs Offices of Schools of Oulu University of Applied Sciences.

Also the following international services and companies offer insurances for international students intending to study in Finland:

AON Students Insurance

International Student Insurance

Swisscare

MultiNational Underwriters (MNU)

International Health Insurance (IHI)

IngoNord

ACS-AMI

Bupa

IPS Lippmann

Notice! This is not a comprehensive list of available insurances. Oulu UAS does not act as a solicitor on the behalf of the listed companies and accepts no liability for their services or lack of them. Please
check also the offers of your current insurance provider.