What health insurance do I need?

Share page with AddThis
Read about the type of health insurance you need. The requirements may vary based on where you are from.

Health insurance

All students arriving in Finland must be fully insured during their entire stay here, as well as during their travel to and from Finland.

If you are a national of an EU or EEA country, your national health care insurance is valid in Finland. To prove this, you must bring with you a European Health Insurance Card issued by your home country. If you are from a country where this card is not yet available, bring an E-128 (or E-111) form from your local health authority with you instead. You should also contact your local health authority and insurance agency in order to make sure that you are fully covered in case of illness or accident.

In order to avoid medical costs, which in case of intensive care or difficult operations can be very high, students from outside the EU, EEA, or Nordic countries must have their own medical insurance. A valid insurance is also a pre-requisite for the residence permit.

In addition to health insurance, we strongly advise students to insure their personal possessions against theft, loss, or breakage and acquire a travel insurance before arriving in Finland.

MARSH Student Insurance Package (SIP)

We have partnered with the Student Insurance Package (SIP) provider MARSH and are able to recommend this insurance package that is pre-approved by the Finnish Immigration Service. This pre-approval will result in a quicker decision on your application. For more detailed information about the type of coverage you will need and its cost, please visit the insurance providers website. Any questions about this insurance should be directed to the insurance provider.

MARSH Student Insurance Package (SIP)

Hanken carries no liability for students, who lack sufficient insurance coverage when arriving in Finland. We urge all students to contact an insurance company and the local authorities in their home country to receive full details on insurance matters.

Health care

All exchange students and Master's students are required to become members of the student union. Membership is optional for doctoral students.

A health care fee is included in the student union's membership fee, which means that members are entitled to use the services of the Finnish Student Health Service (FSHS). This service covers regular medical consultations, appointments with specialists, physiotherapy, psychotherapy, x-rays, laboratory testing, and to some extent, dental care. The FSHS does not provide emergency or hospital services.

In case of illness during the weekend, you can turn to the municipal health care centres. To be able to get service, students from EU countries need to obtain a European Health Insurance Card from a health insurance service in their home country. Students from non-EU/EEA countries must arrange for a health insurance before departure.