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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, since the accident insurances of JAMK cover only degree students. The insurance should also cover free time. You can turn to your own insurance company for more information and enquiries for 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 luggage, civil liability, etc. Please keep in mind that SIP coverage may not be available for your country. If that's the case, students can take insurance from an insurance company in their own country.

For further information about SIP:
Study in Finland website
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.

NB! Exchange and double degree students from EU and EEA must still obtain insurance to cover their exchange period (studies, freetime), even if they choose not to have personal health insurance in addition to the national health insurance coverage. 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's 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. This requirement is the same for degree-seeking, exchange and double degree students. 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's the case, students can take insurance from an insurance company in their own country. For further information about SIP:
Study in Finland website
The Student Insurance Program website