Exchange and Double Degree students coming to JAMK should take care of their insurance coverage for the whole time of their stay before arriving in Finland. Please keep in mind that the insurance should also cover free time. The accident insurances of JAMK cover only degree students. You can turn to your own insurance company for more information and enquiries about your insurance options.

One option for insurance is The Student Insurance Program (SIP). SIP is a special insurance package that covers people staying abroad on a temporary basis. SIP insures medical costs, travel assistance, legal assistance, luggage, personal belongings, civil liability, etc. Please keep in mind that SIP coverage may not be available for your country. If that is the case, students can take insurance from an insurance company in their own country.

For further information about SIP:
The Student Insurance Program website


Health Insurance

Citizens of the EU and EEA countries

Citizens of the EU and EEA countries are entitled to the same public health services as Finnish citizens, if they are covered by health insurance in their own country. In order to access the public health services in Finland, the student must have the European Health Insurance Card (EHIC). Cards are issued by the national health insurance provider of each country. Further information is available at the social insurance offices in your home country/city.

Exchange and double degree students from EU and EEA must also obtain insurance to cover their exchange period (studies, free time). The Student Insurance Program (SIP) is one option for the insurance. Please keep in mind that SIP coverage may not be available for your country. If that is the case, students can take insurance from an insurance company in their own country.


The citizens of non-EU and non-EEA countries

The citizens of non-EU and non-EEA countries are not covered by the Finnish national health insurance.  For non-EU/EEA citizens health insurance is a mandatory requirement for obtaining a residence permit for studies lasting more than three months. This means that you must be covered already when applying for a residence permit. Further information about the health insurance for non-EU and non-EEA citizens can be found on the Finnish Immigration Service website.

The Student Insurance Program (SIP) is one option for the insurance. Please keep in mind that SIP coverage may not be available for your country. If that is the case, students can take insurance from an insurance company in their own country.

For further information about SIP:
The Student Insurance Program website

Health Services while on exchange

During the exchange period Exchange and Double Degree Students are entitled to public and/or private sector health care services, based on their health insurance obtained before arriving to Finland and JAMK.

Futher information here