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Health insurance for international students in Finland

International students studying in Finland must have 300 Euros deductibles at maximum. For less than two years, an insurance policy of 1,20,000 Euros, and for at least two years insurance policy of 40,000 Euros along with insurance coverage for the entire stay. International students from outside the EU/EEA must have private insurance. Students' insurance plans should have a wide coverage that includes medical expenses, repatriation, extra cost, 24/7 emergency helpline support, liability, permanent disability or death caused by accident, and legal aids. If international students have a European Health insurance card or a UK GLobal health insurance card, they don't have to take out insurance. 

Health Law in Finland 

1. In Finland, the Constitution establishes the government's obligation to advance welfare, health, and security that affirms everyone's right to income and care if they cannot manage independently. 

The central government delegated to local government under Finland's legislation on social and health care planning, which also set forth the responsibilities of municipal authorities for providing social and health care. 

2. The law on social welfare stipulates the services that municipalities must produce. 

The law on social care clients' status and rights includes data security issues. 

Special legislation covers 

3. There are laws also dealing with ascertaining paternity, child maintenance and security, child care and implementing rights of access, adoption counseling, and family conciliation matters. 

4. Laws on health care, primary health care, and specialized medical care cover health services. 

5. Several legislative acts regulate occupational health care, mental health services, infectious disease prevention and treatment, and patient status and rights.

6. The legislation also covers the professional standards of social and healthcare personnel. 

Cost of health insurance in Finland 

Before entering Finland, international students from outside the EU or EEA must obtain private insurance for the duration of their visa. If you want to stay for less than two years, you must have insurance that pays at least EUR 100,000 in medical costs. A minimum of EUR 30,000 in medical expenses is required if your stay is two years or longer. The insurance deductible cannot be more than EUR 300. The immigration services can assist in determining what the criteria are. 

How to apply for health insurance for international students in Finland?

If you're looking for insurance, visit www.aonstudentinsurance.com for additional details. Once you have identified the best protection, you may submit an online insurance application. Since you only pay for the whole number of insured days, calculating your premium is simple. 

Requirements for applying  

Popular choices that will satisfy the embassy, consulate, and police station requirements are the Atlas Travel, Student Secure, and Europe Travel plans. International students will need to provide the following documentation as proof of insurance coverage for the entirety of their studies: 

  • Deductible cannot exceed €300 (about USD 350). 
  • 120,000 euros, or almost 135,000 dollars, if studying for fewer than two years, the policy maximum (less than four semesters) 
  • 40 000 euros, or roughly 45 000 dollars if studying for at least two years, the policy maximum (four semesters or more) 
  • Insurance coverage for the duration of your stay 
  • You must have at least a one-year policy if you plan to study for longer than that. 
  • You cannot terminate your insurance policy. 

Why is it important to get health insurance? 

Nobody anticipates getting sick or harmed, but most individuals eventually need medical attention. These expenses are covered by health insurance, along with many other significant advantages. 

  • Health insurance is necessary to maintain your health and treat illnesses and accidents. 
  • You are protected against unforeseen, excessive medical expenses with health insurance. 
  • You pay less for covered in-network medical services before you have reached your deductible. 
  • Even before you reach your deductible, you can receive free preventative care, including vaccinations, screenings, and checkups. 
  • You are exempt from paying the penalty that those without coverage must pay if you have a Marketplace plan or other eligible health coverage through the 2018 plan year. 
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