Find insurance for your
study destination
Every country has different health insurance requirements. Choose your destination to see local plans, visa requirements, and step-by-step guides.
🇪🇺 Western Europe
Study in Austria
Mandatory student insurance: Join ÖGK for €78.84/month or use private insurance. EU students can use EHIC.
Study in Belgium
All residents must register with a mutualité/ziekenfonds. Students pay heavily subsidized rates: €0–€20/month.
Study in France
All students register with French Social Security (Sécurité Sociale) for free. Top-up mutuelle recommended for full coverage.
Study in Germany
Germany requires all students to have health insurance. Choose between public (GKV) and private coverage.
Study in the Netherlands
Complex but manageable: Dutch basic insurance required if working >16h/week. Otherwise, international student insurance accepted.
Study in Switzerland
Swiss health insurance is mandatory for all residents within 3 months. Student plans from CHF 80–250/month. EU students may apply for exemption.
🇬🇧 UK & Ireland
🌍 Southern Europe
Study in Croatia
Very affordable! HZZO student rate ~€15/month or private from €20/month. EU students can use EHIC for free access.
Study in Greece
EU students use EHIC for free ESY access. Non-EU students need affordable private insurance from €15/month.
Study in Italy
Non-EU students can register with the Italian National Health Service (SSN) from €149.77/year (scholarship holders) or €700/year, or use private insurance.
Study in Portugal
Register with SNS (Portuguese National Health Service) for mostly free care. Small co-pays €4–€18. Optional private from €25/month.
Study in Spain
Spain requires international students to have valid health insurance for visa applications and NIE registration.
🌊 Scandinavia
Study in Denmark
Get CPR number and yellow health card for free healthcare. EU students can use EHIC. Optional private insurance for extras.
Study in Finland
Degree students use FSHS (Finnish Student Health Service) for €36.80/semester. Non-EU need private insurance for residence permit.
Study in Norway
Register with Norwegian National Insurance (Folketrygden) for free healthcare. Non-EU students need valid insurance before arrival.
Study in Sweden
EU students with EHIC covered. Non-EU students staying >1 year register with Försäkringskassan. Shorter stays need private insurance.
🏔️ Central & Eastern Europe
Study in the Czech Republic
Non-EU students need Czech commercial insurance (CZK 7,000–13,000/year ≈ €280–520). EU students can use EHIC.
Study in Hungary
Stipendium Hungaricum students: free coverage. Self-funded students: insurance from HUF 15,000/month (~€38). EU students can use EHIC.
Study in Poland
Very affordable! NFZ voluntary insurance ~€13/month or private from €15/month. EU students can use EHIC.
Study in Romania
Extremely affordable! CNAS public insurance ~€20/month or private from €10/month. EU students can use EHIC.
🌎 Americas
🌏 Asia-Pacific
Study in Australia
Australia requires all international students on a Student Visa (subclass 500) to have Overseas Student Health Cover (OSHC).
Study in China
China requires all international students to purchase comprehensive health insurance — at remarkably low costs compared to Western countries.
Study in Japan
Japan offers one of the world's best healthcare systems — and international students get full access through the affordable National Health Insurance.
Study in New Zealand
New Zealand requires private health insurance for all international students — but the country's ACC system already covers you for any accident from day one.
Study in Singapore
Singapore's universities provide mandatory health insurance as part of student fees — giving international students access to one of Asia's finest healthcare systems.
Study in South Korea
South Korea's NHIS provides comprehensive healthcare to international students — mandatory enrollment since 2021 ensures everyone is covered.
Not sure which insurance you need?
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