Country comparison
Compare student insurance across 35 countries
Pick up to three study destinations and compare their insurance requirements, typical student costs and visa rules side by side.
01All destinations
All 35 countries at a glance
The main insurance option, a typical cost and the key visa rule for every destination we cover.
| Country | Insurance type | Typical cost | Visa requirement |
|---|---|---|---|
| Australia | ahm OSHC | AUD 665–726/year | OSHC proof required for Student Visa (subclass 500) application |
| Austria | ÖGK Studierendenselbstversicherung (student self-insurance) | €78.84/month | Non-EU students need an Aufenthaltsbewilligung Studierende (student residence permit) for stays over 6 months |
| Belgium | Mutualité / Ziekenfonds (student affiliation) | €78.93/quarter (~€316/year) | Non-EU students apply for a type D (long-stay) student visa via the Belgian embassy |
| Canada | UHIP (Ontario universities) | CAD 948/year (CAD 79/month) | Study permit required for programs longer than 6 months |
| China | Comprehensive Insurance for International Students (800 plan) | CNY 800 (~€100) | X1 student visa for studies over 180 days; X2 for 180 days or less |
| Croatia | HZZO Compulsory Insurance (self-registered) | ~€70–110/month | Non-EU students need a long-stay (D) visa and/or temporary stay permit for study (boravišna dozvola) |
| Czech Republic | Comprehensive insurance (komplexní) — non-EU students | CZK 10,000–18,000/year (~€400–€730) | Long-term visa (D) or long-term residence permit required for stays over 90 days |
| Denmark | Danish Public Healthcare (via CPR + yellow card) | Free | Non-EU students need a SIRI student residence permit before travelling to Denmark |
| Finland | FSHS (Finnish Student Health Service / YTHS) | €70.70/year | Residence permit required for non-EU/EEA students staying longer than 90 days (apply via Enter Finland / Migri) |
| France | Sécurité Sociale (Assurance Maladie, base coverage) | Free | Long-stay student visa (VLS-TS) required for non-EU students staying over 90 days |
| Germany | Public Health Insurance (GKV) | ~€141/month | Valid health insurance certificate required for visa application |
| Greece | ESY via EHIC (EU/EEA/Swiss students) | Free | Non-EU students need a national (D) long-stay visa from a Greek consulate, then a residence permit (adeia diamonis)… |
| Hungary | University Group Health Insurance | Often included in tuition | Non-EU students staying longer than 90 days need a residence permit for the purpose of studies |
| India | University group health insurance (mediclaim) | Set by your university | Register on the Study in India (SII) portal first — the SII ID is mandatory for every student visa application |
| Ireland | Specialist Student Visa Insurance | €150–€200/year | Student permission (Stamp 2) granted to enrolled full-time non-EEA students |
| Italy | SSN (Servizio Sanitario Nazionale) — voluntary registration | €700/year flat | Non-EU students need a type-D long-stay study visa, applied for at the Italian consulate |
| Japan | National Health Insurance (NHI/Kokuho) | ≈ ¥20,000/year (~¥1,700/month) | 'Student' status of residence (留学) for degree and language programs; short courses of up to 90 days can use Temporary… |
| Malaysia | Etiqa Plan 2 / Plan 3 (EMGS package) | RM498–644/year (~€108–139) | All international students need a Student Pass (Pas Pelajar) to study in Malaysia |
| Netherlands | Dutch Basic Insurance (Basisverzekering) | €135–€160/month | Non-EU students staying >90 days need an MVV entry visa + VVR residence permit, applied for by the university via the… |
| New Zealand | Studentsafe Inbound University | NZD 899/year | Offer of place from an education provider that has signed the Code of Practice for international learners (2021) |
| Norway | Folketrygden (Norwegian National Insurance) | Free (tax-funded) | Non-EU students need a study residence permit (studietillatelse) from UDI for stays over 90 days |
| Poland | NFZ Voluntary Insurance (Non-EU Students) | PLN 55.80/month (~€13) | Non-EU students need a national (D) visa or visa-free entry, then a temporary residence permit for studies |
| Portugal | EHIC (EU/EEA/Swiss students) | Free | Non-EU students need a D4 long-stay study visa from a Portuguese consulate, then an AIMA residence permit |
| Romania | CNAS Public Insurance (under 26) | Free | Non-EU students need a long-stay study visa (D/SD) before travel |
| Saudi Arabia | Basic CCHI Cooperative Insurance | SAR 1,200–2,000 (~€300–€500) | Student visa type: D1 (Education Visa) — issued by Saudi embassies and consulates |
| Singapore | NUS Student Insurance Scheme | S$160/semester (NUS) · S$268/year (SMU) | Student's Pass required for all full-time international students |
| South Korea | National Health Insurance (NHIS) | KRW 951,840/year (~€600) | D-2 visa (degree studies) or D-4 visa (Korean language training) |
| Spain | Sanitas International Students | From about €41/month | Study visa (visado de estudios) for non-EU students staying more than 90 days — apply between 6 and 2 months before your… |
| Sweden | Kammarkollegiet FAS / FASplus (fee-paying students) | SEK 200–400 per visit | Residence permit for studies longer than three months — apply online at Migrationsverket |
| Switzerland | Swiss basic insurance (KVG) — any Swiss health insurer | CHF 213–436/month | Non-EU/EFTA students need a national (D) visa before entry unless their nationality is visa-exempt — apply at least 3… |
| Thailand | Thai private health insurance (e.g., AIA Thailand, AXA, Pacific Cross) | ฿1,000–3,000 (~€26–79) | Non-Immigrant ED visa for study in Thailand; students at bachelor's level and above can apply for the ED Plus visa |
| Turkey | SGK / GSS (State Health Insurance) | ₺1,321.20/month (≈ €24) = ₺15,854/year (≈ €285) | International students staying longer than 90 days need a student residence permit (öğrenci ikamet izni) from the… |
| UAE | DHA Essential Benefits Plan (EBP) | From AED 805/year (dependant aged 18–59) | International students need a UAE residence visa (student category) — a tourist or visit visa is not enough to enrol |
| United Kingdom | NHS via Immigration Health Surcharge (IHS) | £776/year | The Student visa (which replaced the Tier 4 (General) visa) requires the IHS to be paid as part of the online… |
| USA | University SHIP (Student Health Insurance Plan) | $538.80–$9,384.75 | F-1 visa: no federal health insurance requirement — your university sets the rules (usually SHIP or an approved waiver) |
Decided on a destination?
Open the country guide for local plans and requirements — or let the Insurance Finder suggest visa-compliant plans.