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Health insurance for international students

The students of bachelor's and master's level: If you have valid health insurance in your home country during your studies in Estonia, you can apply for the EU health insurance card (EHIC) or substitute certificate of an EU health insurance card (form E128). You should apply for that from the social service authorities in your home country before arriving in Estonia. EHIC is not an alternative to travel insurance. It does not cover any private healthcare or costs such as a return flight to your home country or lost/stolen property. The required medical care is not free – the expenses (visit, hospital charges, etc.) must be paid for according to the tariffs set in Estonia. For receiving the compensation, if applicable, an application must be submitted to respective national contact point in the country where the person is insured. More information about EHIC in Estonia can be found here. To be eligible for an EHIC, you must be insured by or covered by a state social security system in any member state of the European Union, Iceland, Liechtenstein, Norway or Switzerland.

NB! EU and EEA students studying in Estonia for a degree are not covered by the Estonian Health Insurance Fund, unless they are employed in Estonia or have the right of permanent residence, so they can obtain the EHIC only if they are covered by the social security system of their home country. If you cannot get the EHIC for the reasons described above, please check if any of the private health insurances listed below meets your expectations/needs. You should not be without any health insurance!

Estonian Health Insurance Fund: One can purchase an insurance contract with the Estonian Health Insurance Fund. Please check the conditions here.

The PhD students studying in Estonia for a degree have Estonian Health Insurance Fund (Haigekassa) coverage, unless they have not registered their right of residence in Estonia, are on academic leave or have extended their period of study.

Non-EU exchange and visiting students (all levels) and degree seeking students of bachelor's and master's level need to purchase private insurance from an insurance company. Insurance requirements are different for D-visa and TRP (temporary residence permit).

Whichever insurance you are using, be prepared to cover your medical costs yourself first. If you have to pay for medical services, keep all the cost documents and apply for refund from your insurance provider according to the provider’s procedures. If the costs are eligible under your insurance policy, the provider will make the refund.

KindlustusEst - insurance broker who can help with finding suitable insurance. It is possible to compare the prices of different insurance providers on their website and sign the contract online. No additional fees are charged from students.

Students who need D-visa for their studies at UT

Students need to have international travel medical insurance which guarantees payment of any costs related to medical treatment due to illness or injury during the validity of the visa, in case of a multiple entry visa until the end of the first intended period of stay. Students can choose any insurance company that offers suitable coverage.
More information on how to apply for D-visa: visa info.

Students who apply for temporary residence permit (TRP)

Temporary residence permit (TRP) is issued for the whole nominal period of studies (bachelor level students have it for three years, master level students for two and etc). This means that student needs health insurance coverage for the whole period of studies. However, one can still purchase insurance for a year and extend it on time to guarantee continuous medical coverage. 
More information on how to apply for TRP: visa info.

Quite often, international students in Estonia choose one of the following insurance companies meeting the requirements of the TRP:

PhD students, admitted as of 2022/2023 have Estonian Health Insurance Fund (Tervisekassa)The PhD students admitted earlier have Tervisekassa once they have TRP and are not on academic leave, nor have extended their period of study.

Estonian Health Insurance Fund. One can purchase an insurance contract with the Estonian Health Insurance Fund. Please check the conditions here.

See more about primary health care in Tartu from the city website.

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