Find insurance for your study destination

Health insurance is mandatory. Most students join the ÖGK Studierendenselbstversicherung for €78.84/month (2026). EU/EEA students use their EHIC. Non-EU students need cover for the residence permit.

Health insurance is compulsory in Belgium. EU/EEA students use EHIC; non-EU students join a mutualité (≈€79/quarter + €100–120/year membership) within four months of arrival.

All students register with French Social Security (Sécurité Sociale) for free via etudiant-etranger.ameli.fr. It reimburses ~70% — a mutuelle top-up (€10–50/month) covers the rest.

Germany requires all students to have health insurance. Choose between public (GKV) and private coverage.

Study-only students cannot use Dutch public insurance: EU students use EHIC, non-EU students buy private cover (~€40/mo). Dutch basisverzekering (€159/mo) is only mandatory once you work or do a paid internship.

Swiss basic health insurance (KVG) is mandatory within 3 months of arrival. In 2026, 19–25-year-olds pay CHF 323 per month on average (CHF 213–436 depending on canton). EU/EFTA students with an EHIC and non-EU students with an approved student plan (from about CHF 38/month) can be exempted.

Non-EU students MUST have private health insurance to register for the IRP (min €25,000 accident + €25,000 disease cover, from ~€160/year). EU/EEA students use EHIC for HSE access.

On a Student visa you pay the Immigration Health Surcharge (£776 a year) and use the NHS like a UK resident. Private insurance is optional — for faster specialist access, dental and worldwide cover.

EU/EEA students covered free with EHIC. Non-EU students register with HZZO (~€70–110/month) within 8 days of arrival, or buy private insurance (€30,000+ cover) for the residence permit.

EU students use EHIC for free ESY access. Non-EU students need private insurance from €30/month with €30,000 minimum coverage for the residence permit.

Non-EU students register with Italy's National Health Service (SSN) for a €700/year flat fee, or buy private insurance from about €20/month. EU students use their EHIC.

EU students use EHIC for immediate SNS access. Non-EU students need private insurance (€30–€60/month) for the visa and AIMA, then register free with the SNS after arrival.

Non-EU students need visa-compliant health insurance for the Spanish study visa and every extension. Private student policies start at around €41–€55 per month in 2026; the public Convenio Especial costs €60/month after one year of residence.

Stays over 3 months unlock free tax-funded healthcare via a CPR number and yellow health card (sundhedskort). EU students use EHIC. Cover the 2–4 week registration gap with private insurance.

Degree students pay the FSHS healthcare fee of €70.70/year to Kela. Non-EU students need private insurance (€120,000 coverage) for the residence permit. EU/EEA students use EHIC.

EU/EEA students covered with EHIC. Non-EU students staying over 12 months join Folketrygden automatically. Shorter stays need private insurance (€40–80/month) before arrival.

EU/EEA students use their EHIC. Non-EU students on a permit of one year or more register in the Population Register and pay Swedish patient fees; shorter stays need comprehensive health insurance for the residence permit.

Non-EU students need Czech comprehensive insurance (CZK 10,000–18,000/year ≈ €400–730) with a €400,000 limit. EU students use EHIC. PVZP's monopoly ended in 2023 — you can now choose any authorized insurer.

Stipendium Hungaricum includes public health cover. Self-funded students usually rely on their university's group policy or private insurance — the NEAK agreement costs HUF 96,840/month in 2026. EU students can use the EHIC.

One of Europe's most affordable study destinations. Non-EU students pay just PLN 55.80/month (~€13) for NFZ public health insurance in 2026. EU students can use the EHIC.

One of Europe's most affordable destinations. Students under 26 get free CNAS public healthcare; over-26s pay ~€15/month. EU students use EHIC; non-EU students need €30,000 private cover for the residence permit.

Canada's healthcare system is provincial — your health insurance options depend entirely on which province you study in.

No universal healthcare in the USA. Universities require F-1 and J-1 students to be insured — usually through the school's Student Health Insurance Plan (SHIP) unless a waiver is approved.

Australia requires all international students on a Student Visa (subclass 500) to have Overseas Student Health Cover (OSHC).

China requires every international student to be insured — and most universities ask for one low-cost comprehensive plan at CNY 800 a year.

India has no national health insurance requirement for international students — but many universities and institutes require a group or private policy when you enrol.

Japan offers one of the world's best healthcare systems — and international students get full access through the affordable National Health Insurance.

Malaysia requires every international student to hold medical insurance for the whole Student Pass — bought through EMGS or your university, and renewed together with your pass.

New Zealand requires medical and travel insurance for all international students on a student visa — and the country's ACC scheme covers accidental injuries from day one.

Singapore's universities insure every full-time student through compulsory group plans paid with your fees — important, because international students get no public healthcare subsidies.

South Korea's National Health Insurance Service (NHIS) covers international students — enrollment has been mandatory since March 2021.

Thailand has excellent private hospitals — but no public insurance scheme covers foreign students. Arrange private health insurance before you arrive; some Thai embassies even require it for the ED visa.

Saudi Arabia requires all foreign students to hold CCHI-compliant health insurance — a mandatory condition for your student visa (D1), Iqama issuance, and university enrollment.

Turkey requires health insurance for the student residence permit (ikamet izni). The state GSS scheme costs ₺1,321.20/month in 2026 (≈ €24) — provided you apply within 3 months of your first enrolment.

Dubai and Abu Dhabi require health insurance for every resident, and your sponsor must show a valid policy when your residence visa is issued or renewed. Most students are insured through their university.