When planning to study abroad, most students think about tuition, living costs, and visa fees — but one of the biggest overlooked expenses is health insurance. In many countries, international students are required to have health coverage either by law or as a condition of their student visa.
The good news? Some countries and systems offer affordable or even low-cost national health insurance for international students, making healthcare easier on your pocket while you focus on studies and experiences abroad.
Here’s a guide to countries where student health insurance is inexpensive or included in your cost of living.
1. Germany
Why It’s Affordable
- Public health insurance is mandatory but highly subsidised
- Students under 30 and below a certain age pay around €110–€120 per month — much lower than private plans in many English-speaking countries
- No large deposits or private premiums
Many universities help students register with public health providers, making the process simple and reliable.
2. Norway
Why It’s Affordable
- Norway offers public health services at very low cost or free for residents and eligible students
- If your programme is longer than a year and you obtain legal residency, you’re covered by the National Insurance Scheme
Living costs in Norway can be high — but the health insurance piece is among the most affordable.
3. Poland
Why It’s Affordable
- Public health insurance for students is low compared to many European countries
- International students can be covered under the Polish National Health Fund (NFZ) if enrolled in a Polish university
Check if your programme automatically provides NFZ registration, especially if tuition fees include health coverage.
4. Finland
Why It’s Affordable
- Students with residence permits have access to Finnish public health services
- Fees are fairly low — typically much cheaper than private insurance in countries like the UK or USA
5. Czech Republic
Why It’s Affordable
- Public health insurance for students can be relatively inexpensive if you meet residency/student visa requirements
- Many universities help international students register, keeping administration easy
Private plans are also affordable here compared to Western Europe or North America.
6. Sweden
Why It’s Affordable
- Once you have a Swedish personal identity number (steknr) via your student residence permit, you can access public healthcare at low costs
- Fees at clinics are regulated and capped
Even though initial private plans may be recommended before arrival, public healthcare soon becomes inexpensive after registration.
7. Portugal
Why It’s Affordable
- Students with long-term residence or study visas can access the public system at a relatively low cost
- Fees are usually much lower than private insurance and student policies in the UK or US
Portuguese health insurance often extends to dental/optical services at reduced student rates.
8. Hungary
Why It’s Affordable
- Students enrolled full-time can enjoy state health coverage or highly subsidised student plans
- Private insurance options are often cheaper than many Western plans
Always compare university-arranged plans (if offered) before selecting an external provider — student groups often negotiate better rates.
9. Netherlands
Why It’s Affordable
- Dutch public health insurance is mandatory only for long-term residents; many students opt for special student plans at affordable monthly rates
- Budget policies are tailored for youth and students
EU/EEA students may use EHIC/EHIC equivalent to reduce cost further.
10. Quebec (Canada)
Why It’s Affordable
- Quebec offers very competitive health coverage options for full-time students from out-of-province or international students
- Cost is often lower than most provinces or private plans
Research provincial health plans (e.g., RAMQ in Quebec) — many offer excellent coverage for low monthly premiums.
Tips to Save on Health Insurance as a Student Abroad
1. See if your university offers a group student plan
Many institutions negotiate cheaper insurance for all international students.
2. Check whether your visa automatically qualifies you for public healthcare
Some countries grant access once you have a valid student residence permit.
3. Compare university-recommended plans vs private plans
Sometimes private insurers offer better coverage with similar prices — shop around!
4. Don’t over-insure
Choose plans that cover essentials (hospital, emergency, prescriptions) but avoid unnecessary add-ons unless you need them.
5. Check for family or home country extensions
Some policies allow coverage for return trips or seasonal travel home.
FAQs
Q1: Do all countries require international students to have health insurance?
Most do — either as a visa requirement or a university policy. Always check the immigration and university handbook.
Q2: Is public healthcare always cheaper than private insurance?
Usually yes — but public healthcare may have waiting times or limited specialist access. Private plans can fill gaps if needed.
Q3: Can I use my home country’s health insurance abroad?
Some home policies offer limited international coverage; check limits before relying on them.
Q4: How much should I expect to pay monthly on student health insurance?
It varies widely:
Germany/Europe: ~€80–€120
Canada (Quebec): ~CAD $80–$150
UK/NZ/AUS private plans: Can be $100–$200+
These are ballpark figures — always verify current rates.
Q5: Are dental and vision covered?
Public plans sometimes include basic services, but not always — consider add-ons if needed.
Choosing the right health insurance abroad is just as important as picking your degree or accommodation. Low insurance costs can reduce financial pressure, leaving you more energy and focus for your studies and travel. Always compare options, understand visa requirements, and plan ahead!
