Student health insurance Estonia

International health and travel insurance for obtention of the Estonian student visa and Schengen visa.

From € 187 365 days Best offer in Estonia
From € 187 365 days Best offer in Estonia
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Student health insurance

  • Valid for student visa in Estonia
  • Instant certificate delivery by email
  • Acute medical treatments in Estonia
  • Sickness and accident
  • Third party liability
  • Assistance 24 / 7
Estonia in / outbound

This insurance is aimed for students who need a visa for Estonia including the Schengen countries or Estonian students who travel abroad.

Who can be insured

International students, phds, postdocs, researchers, professors, academics, interns, au pairs, scholars.

Our 3 plan level

Standard

Max. annual benefits

€ 30.000
  • Medical protection
  • In patient treatments
  • Outpatient treatments up to € 5’000
  • Dental up to € 300
  • Luggage up to € 2’000
  • Third party liability
  • Repatriation to home country
  • Repatriation mortal remains
  • Assistance 24 / 7

Comfort

Max. annual benefits

€ 100.000
  • Medical protection
  • In patient treatments
  • Outpatient treatments up to € 15’000
  • Dental up to € 500
  • Luggage up to € 2’500
  • Third party liability
  • Repatriation to home country
  • Repatriation mortal remains
  • Assistance 24 / 7

Premium

Max. annual benefits

€ 500.000
  • Medical protection
  • In patient treatments
  • Outpatient treatments up to € 50’000
  • Dental up to € 1’000
  • Luggage up to € 3’500
  • Third party liability
  • Repatriation to home country
  • Repatriation mortal remains
  • Assistance 24 / 7

Visa requirements

Non EU/EEA students – visa requirement in Estonia

Foreign students with residency permit for Estonia are not allowed to be covered by the Estonian Health Insurance Fund (Haigekassa).

A private medical insurance is therefore mandatory in order to guarantee that costs related to medical treatment as a result of illness or injury during the stay in Estonia will be covered.

Swisscare studentpass is accepted by the Estonian Police and Border Guard Board.

The health insurance contract must be valid in Estonia for the whole nominal study period.

EU/EEA Students

EU/EEA and Swiss students must present their European health insurance card (EHIC) or its replacement certificate to prove eligibility for Estonian health care. The EHIC can be requested by the social security in the country of your nationality.

Please note that EHIC is not an alternative to travel insurance. It does not cover any travel protection, search and rescue, repatriation to the home country, emergency dental treatments, assistance… Studentpass plans will be a very affordable solution to have a full protection while you are studying in EU/EEA Countries.

Medical cover

Studentpass international covers mainly acute sickness and injury during your stay abroad. This means that for all unforeseen sickness or injuries, you can consult a general practitioner, specialist or visit a public hospital. For minor emergencies, we suggest visiting a general practitioner first. You will avoid long time waiting delays in a hospital emergency reception.

All benefits are limited in insurance sum. Please see our table comparison hereunder. Note that dental treatments like all other insurance covers are limited to an emergency that requires immediate intervention of a dentist. Routine dentist check, filling, krone, tooth replacement or cleaning are not covered.

Medicine is covered if prescribed by a recognized practitioner. Note the covered medicine must be in the standards of the western countries.

Get around the hours medical assistance

Studentpass international propose a complete travel protection that includes assistance 24/7. Search and rescue, repatriation to the home country or repatriation of mortal remain, luggage, ambulance transport, medical advice …

The assistance line 24 / 7 also provide advice in case of sickness and injury and deliver the GOP (Guarantee of payment) for hospital admission.

Think community

Once you are insured through one of the Swisscare products, you are paying an insurance premium for an event of which most certainly hope it will never occur. The premium you pay will fall into a community fund (insurance).

The majority of the members of this community contribute to you for few who are in needs while they are sick or have an accident.

You participate like all members of the community into this fund with a financial contribution because there is a risk that one day you are also in needs and suffer from an illness or an accident for which the cost of treatments would be impossible to bear on your own. In that case, you will then profit from the fund (insurance) of the others members which will pay for you.

Translated documents in EN / DE / FR

Swisscare members are spread worldwide. More than 7500 languages are currently existing. This is why Swisscare like the majority of international insurance providers or insurers ask their member to submit invoices in English ( Swisscare inTrust claim service accept also German or French). If your invoices are in a different language kindly translate the most important details and submit this translation along with the invoices. (Legal translation is not required).

How to receive a refund within a reasonable time

Only with your help and with your accurate and complete documentation our claims team can treat your refund as quickly possible.

And you… A happy Swisscare member!

Submit a claim

Log in to your account and under the claim tab, you can start the online claim procedure.

Compare our plans in details

Standard
Comfort
Premium
Insurance covers

Medical insurance benefits

Inpatient treatments
25'000
85'000
450'000
Accomodation
Semi-private room
Semi-private room
Semi-private room
Outpatient treatments
5'000
15'000
50'000
Prescribed medication
Incurred expenses
Incurred expenses
Incurred expenses
Surgical fees, anaesthesia, and operating theater
Incurred expenses
Incurred expenses
Incurred expenses
Rehabilitation services
1'000
2'000
3'000
CT, MRI scan, PET and CT-PET scan (inpatient)
Incurred expenses
Incurred expenses
Incurred expenses
Daycare services and outpatient surgery
Incurred expenses
Incurred expenses
Incurred expenses
Practitioner fees and prescription medication
Incurred expenses
Incurred expenses
Incurred expenses
Specialist fees
Incurred expenses
Incurred expenses
Incurred expenses
Diagnostic fees
Incurred expenses
Incurred expenses
Incurred expenses
Prescribed physiotherapy following hospitalization
Max. € 20 per day and max 15 days
Max. € 20 per day and max 15 days
Max. € 20 per day and max 15 days
Emergency dental treatment maximum sum per insurance period
300
500
1'000

Luggage

Max. sum per event
2'000
2'500
3'000
Loss, damage, robbery or theft of luggage (limited € 50 per item)
1'000
1'500
2'000
Delayed luggage > 8h
600
600
600
Delayed luggage > 48h
Max. € 250 minus compensation already paid for delay of > 8h
Max. € 250 minus compensation already paid for delay of > 8h@
Max. € 250 minus compensation already paid for delay of > 8h

Death and disability

Max. sum per event
50'000
50'000
50'000
In case of death
25'000
25'000
25'000
In case of disability
50'000
50'000
50'000

Third Party Liability

Max. sum per event
500’000
500’000
500’000
Bodily harm of a third party
500’000
500’000
500’000
Material / Immaterial damage
100'000
100'000
100'000

Assistance 24 / 7

Maximum sum per event
250'000
250'000
250'000
Emergency medical evacuation
150'000
150'000
150'000
Medical repatriation
50'000
50'000
50'000
Local ambulance
5'000
5'000
5'000
Medical assistance during transportation
Included
Included
Included
Sea and mountain search and rescue
20'000
20'000
20'000
Indication of local medical specialists
Included
Included
Included
Repatriation of mortal remains
15'000
15'000
15'000
Expenses for accompanying relative of the repatriated
80 / day max. 7 days
80 / day max. 7 days
80 / day max. 7 days
Accommodation costs for accompanying for next of kin staying at the hospital
500
1'000
2'000
Flight ticket for relative visiting the insured in the hospital
Included
Included
Included
Repatriation of accompanying person travelling with the insured
Included
Included
Included
Advance of emergency funds to be reimbursed by the insured
500
500
500
Dispatch of urgent messages
Included
Included
Included
Long-distance medical advice
100%
100%
100%

Legal The insurer is Anker Verzekeringen n.v. Paterswoldseweg 812 at 9728 BM Groningen, Anker is registered with the Autoriteit Financiële Markten (AFM) (the Dutch Authority for the Financial Markets) under number 12000661 and is authorized by De Nederlandsche Bank (“DNB”). The Insurance broker is Swisscare Services Ltd., Alte Landstrasse 6, 9496 Balzers (Principality of Liechtenstein). The company is authorized and regulated by the financial market supervisory authority of the Principality of Liechtenstein, reference number 10095. Swisscare Services Ltd. is registered in the company index in the Principality of Liechtenstein under the number FL-0002.465.148-2. Swisscare ® is a registered Trademark owned by Swisscare Services Ltd.