Health Care and Health Insurance

Student Health Care 

Student health care is available to students(both exchange and degree students) who are members of the Student Union. 

  • Student Union members are entitled to use the services offered by the Finnish Student Health Service (FSHS).
  • Consultations with a general practitioner and specialists as well as laboratory tests are free of charge.
  • Dentist's appointments cost 10 euros or more, depending on the time needed.
  • FSHS is open on weekdays, during the daytime. 
  • Thus, Student Union membership does not cover any emergency or hospital treatment or treatment during evenings or weekends when the FSHS health centre is closed.

Doctoral students are not entitled to use the services of FSHS.

Health Insurance

For the exchange students it is obligatory to take private health insurance which is valid during their study period in Finland.

  • Only with proper health insurance can all the costs be covered if you become ill during you stay in Finland.
  • Hospital and doctors' fees are high in Finland and the university is not responsible for such fees.

If you are receiving a scholarship paid by the University of Turku (e.g. FIRST programme), you must have a certificate of a valid personal health insurance when you enroll in the university.


National health insurance for EU/EEA citizens gives access to medical care at municipal health care centres in Finland.

  • for this you need a European Health Insurance Card.
  • EU/EEA citizens who have the abovementioned card are entitled to the same municipal health care at the same prices as Finnish citizens.
  • However, it does not mean that health care would be free of charge.

Nordic social insurance portal offers information about social legislation and benefits for Nordic students.


Non-EU/EEA citizens are required to have a valid health insurance before arrival

  • Foreign students must have a health insurance policy that covers the costs of medical care (up to 100,000 Euros).
  • If the duration of studies is at least two years, it is sufficient that the insurance policy covers pharmaceutical costs (up to 30,000 Euros).
  • The health insurance must be in force upon entry into Finland and the policy must be issued by a reliable and financially sound company or institution.

Student Insurance Program (SIP)

The Student Insurance Program (SIP) has been specially designed for people staying abroad on a temporary basis. SIP policy is valid worldwide. Despite its name, SIP can subscribed not only by students, but also by researchers, educational staff members and insured’s accompanying family members. 

It offers two types of insurance solutions for covering illness and healthcare costs: 

SIP integral is meant for persons who are not members of a mutual healthcare fund or who do not benefit from a social security system. SIP integral will reimburse your medical expenses with no maximum amount and with zero deductible from the first euro.
  • Foreign nationals entering Finland to carry out studies lasting less than two years are not assigned a domicile in Finland and are thus not covered by municipal health care. For the residence permit such a student must have private insurance covering medical care expenses up to EUR 100,000. SIP integral will apply to this situation.
SIP complement is meant for persons who already have a basic mutual healthcare cover or who hold a European Health Insurance Card (EHIC) when visiting countries in the European Economic Area and Switzerland. Consequently, SIP Complement solution will reimburse the covered medical costs in full after the allowance refunded by the health fund of the insured person.
  • Foreign students entering Finland for studies with a minimum duration of two years are usually assigned a domicile in Finland and are thus covered by municipal health care services, but private insurance is also required primarily to cover expenses for medication of at least EUR 30,000. This means that SIP complement is an appropriate insurance solution for students coming to the University of Turku for the completion of a Master's Degree Programme.
The SIP insurance policy can be taken for maximum one year by going to and purchasing it online with a credit card (VISA or Mastercard). The insurance can be renewed after the first year.

20014 Turun yliopisto, Finland
Tel. +358 29 450 5000

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