Health Insurance

Citizens of the EU and EEA countries are entitled to all health services if they are covered by health insurance in their own country. Further information is available at the social insurance office in your home country.

The citizens of non-EU and non-EEA countries are not covered by the Finnish national health insurance. It is therefore extremely important for them to have sufficient insurance coverage of their own before they arrive in Finland.

Students from third countries* must have health insurance

Citizens of third countries arriving in Finland for the purpose of study or student exchange are required to have health insurance, if the study or student exchange lasts for more than three months.

* A third-country national means any person who is not a citizen of the European Union or a citizen of Norway, Iceland, Liechtenstein or Switzerland.

Health insurance is a requirement for obtaining a residence permit for studies.

Foreign students must have a health insurance policy that covers the costs of medical care. If the duration of the studies is at least two years, it is sufficient that the insurance policy covers pharmaceutical costs. The health insurance must be in force upon entry into Finland. The insurance policy must be issued by a reliable and financially sound company or institution.


European Health Insurance Card (EHIC)

EU citizens have been able to use a new European Health Insurance Card when in Finland, enabling them quick access to treatment.

The card confirms that holders are covered by health insurance in one of the EU member states and that they have the right to immediate medical treatment while they are in any other member state.


Student Health Services

Specific Student Health Services by a public health nurse and doctor are available to students from Monday to Friday. Municipal actors are responsible for student health services in Jyväskylä and Saarijärvi. In addition, JAMK University of Applied Sciences offers the “Promoting Fluent Study Techiques” courses and study psychologist’s services.

In the evening and during the weekend, first aid is available in municipal health centres.

If you are on a medication, you should take along the prescription or other detailed information on the medicine.

Contact information in Jyväskylä

Contact information in Saarijärvi

Examples of Fees

EU citizens

Doctor's appointment and first aid:

  • Mon–Fri 8–20 the fee is 20.60 €/visit (first three times a calendar year, after that you can visit a doctor for free of charge)
  • Mon–Fri 20–8 and on Saturdays, Sundays and public holidays the fee is 41.20 €/each visit

Non-EU citizens

  • Student Health Care 87.56 € / visit with a nurse or doctor at the Student Health Care (including possible tests)
  • Doctor's appointment at the Health Centre is from 115.95 € to 185.57 € / emergency visit
  • Nurse's appointment at the Health Centre from 86.33 € to 128.85 € / visit
  • Care at the hospital according to real cost


Make sure your basic vaccinations, polio, tetanus-diphtheria and MMR (measles, mumps, and rubella) are up to date. Please bring the certificate of vaccination as well as possible regular medication with you.


In Case of Emergency

In case of emergency, call the general emergency number 112. By calling this number you can contact police, ambulance (ambulanssi), fire department (palokunta) and other emergency services. An emergency call can be made free of charge from any phone.



Pharmacies (apteekki) are part of the Finnish health care system, and a pharmacy licence from the National Agency for Medicines is always needed to operate a retail pharmacy. Many medicines can be bought only on doctor’s prescription. In addition to prescribed medicines, pharmacies sell items needed in the use of medicines, bandaging materials, as well as self-care medicines without prescription, e.g. painkillers, basic creams, and vitamins. Self-care medicines for pets, nature care products, and cosmetics are among the products sold at pharmacies as well. Plasters and bandage materials can also be bought at grocery shops in Finland, but not e.g. painkillers.

The opening hours of Finnish pharmacies are among the longest in Europe, but vary from one pharmacy to another. In Jyväskylä, the pharmacy called Yliopiston apteekki at Kauppakatu 39 is open daily from 7 am to 11 pm. In addition to the pharmacies located in the centre of Jyväskylä, there is a pharmacy also within some superstores, e.g. Citymarket and Prisma. The pharmacy of Saarijärvi is located at Kauppakatu 2.


Crisis Services for Foreigners

The SOS Crisis Centre help all foreigners living in Finland as well as their families to cope with psychological and social problems. You can discuss your life situation and problems anonymously in Finnish, Swedish and English, and if necessary, your mother tongue. The services are free of charge. It is not necessary to have a referral to the center, but it is important to make an appointment beforehand.

Contact information

Crisis service for foreigners / For appointments call
(09) 4135 0501
Open on Mon-Thu 9- 12 and 13-15, on Fri 9-12

The Finnish Association for Mental Health
SOS Crisis Centre, services for foreigners
Maistraatinportti 4 A, 00240 Helsinki (4th floor)


Further Information