Short answer
Finland’s student residence permit requires private insurance that covers your medical and drug expenses, valid throughout your entire stay (Source: FI_STUDY_MIGRI_2026, Finnish Immigration Service; verified 2026-06-13). The required amount depends on study length: for studies under two years the insurance must cover medical expenses up to EUR 120,000. This route models the under-two-years threshold. The engine encodes three rules: insurance is mandatory, minimum coverage of 120,000 EUR, and full-period validity.
Key findings at a glance
| Item | Value |
|---|---|
| Route | Finland Residence Permit for Studies (under two years) |
| Authority | Finnish Immigration Service (Migri) |
| Evidence verified | 2026-06-13 |
| Snapshot | 2026-06-13 |
| Modeled rules | Insurance mandatory; minimum coverage 120,000 EUR; valid for the entire stay |
What the authority requires
- Private insurance covering medical and drug expenses is required for the residence permit. (Source:
FI_STUDY_MIGRI_2026; verified 2026-06-13) - The insurance must be valid throughout your entire stay in Finland. (Source:
FI_STUDY_MIGRI_2026; verified 2026-06-13) - For studies under two years, it must cover medical expenses up to EUR 120,000; for studies of at least two years, pharmaceutical expenses up to EUR 40,000. (Source:
FI_STUDY_MIGRI_2026; verified 2026-06-13) - The insurance excess may not be more than EUR 300; an EHIC/GHIC or Kela card can replace private insurance. (Source:
FI_STUDY_MIGRI_2026)
Normalized requirements table:
| Requirement | Source URL | Locator | Verified date |
|---|---|---|---|
| Insurance is mandatory | https://migri.fi/en/insurance | Students must have insurance | 2026-06-13 |
| Minimum coverage 120,000 EUR (studies under two years) | https://migri.fi/en/insurance | What kind of insurance do I need? | 2026-06-13 |
| Valid for the entire stay | https://migri.fi/en/insurance | What kind of insurance do I need? | 2026-06-13 |
Verified requirements (PASS/FAIL/UNKNOWN)
| Requirement | Status | Evidence |
|---|---|---|
| Insurance is mandatory | PASS | Migri: “you must take out private insurance” |
| Minimum coverage 120,000 EUR | PASS for products documenting a limit of 120,000 EUR or more; UNKNOWN otherwise | Migri: “studies take less than two years … up to EUR 120,000” |
| Valid for the entire stay | PASS for full-period policies; YELLOW for monthly subscriptions | Migri: “valid throughout your entire stay in Finland” |
How we evaluate
The checker compares each modeled requirement against product evidence. Three rules are encoded from the Migri insurance page: insurance is mandatory, the documented limit must be at least 120,000 EUR (currency-aware), and it must be valid for the entire stay. A monthly subscription that can lapse does not assure full-period validity, so it is YELLOW; a full-period policy meeting the threshold is GREEN; a product whose documents state no overall limit stays UNKNOWN.
Two points are disclosed rather than modeled, following UNKNOWN > Wrong: the amount is conditional (this route uses the under-two-years EUR 120,000 medical threshold; studies of at least two years require EUR 40,000 for pharmaceutical expenses), and Migri also requires the insurance excess to be no more than EUR 300, while an EHIC/GHIC or Kela card can replace private insurance. Confirm your study length and the excess before you buy. See /methodology/ for the full logic.
Proof package checklist
- A private insurance certificate documenting medical cover of at least 120,000 EUR (studies under two years).
- Validity throughout your entire stay, with an excess of no more than EUR 300.
- Alternatively a valid EHIC/GHIC or Kela card, where applicable.
FAQ
Q: How much coverage is required?
A: For studies under two years, medical expenses up to 120,000 EUR, valid for the entire stay (Source: FI_STUDY_MIGRI_2026; verified 2026-06-13).
Q: Why does the amount vary? A: Migri requires 120,000 EUR for studies under two years and 40,000 EUR for studies of at least two years.
Q: Why is a monthly subscription YELLOW? A: It can lapse before the stay ends; a full-period policy meeting the 120,000 EUR threshold is GREEN.
Check in the engine
Use the compliance checker with the current snapshot for this route:
Open Compliance CheckerRelated reading
- Finland study residence requirements (route page)
- Digital nomad insurance in Europe
- How to read compliance results
Where to find compliant insurance for studying in Finland
For studies under two years, the requirement combines a full-stay term with a EUR 120,000 medical limit. In the current snapshot, Genki Traveler, Genki Native and World Nomads show GREEN: each documents a limit at or above the threshold and a full-period term. SafetyWing Nomad Insurance shows YELLOW because it bills monthly and can lapse before the stay ends. Check that your excess is no more than EUR 300.
- Genki Traveler — paid link. We may earn a commission if you purchase through this link.
Affiliate disclosure: the Genki link above is an affiliate link; we may earn a commission at no extra cost to you, and it does not change the evidence-based compliance result. See affiliate disclosure.
Use the compliance checker to confirm the current GREEN products for this route before you buy.
Disclaimer + Affiliate disclosure
Not legal advice. Compliance results are evidence-based snapshots.
If an affiliate link is present, it appears only after results and does not change the compliance outcome. The Genki link above is a paid affiliate link.
Last updated: 2026-06-13
Evidence log
- Source: FI_STUDY_MIGRI_2026