HAMK’s accident insurance is covers student exchange and unpaid work placement only during school/work hours and the daily journey to and from school/the workplace. HAMK’s insurance does not cover injuries incurred during leisure time, travel sickness, lost or damaged luggage, injuries to another person, or damage to goods. Therefore you have to take care of your insurance in time according to the following instructions. You are not allowed to go on an exchange period abroad if you do not have sufficient insurance coverage!
ALL STUDENT STUDYING OR ON WORK PLACEMENT ABROAD MUST TAKE CARE OF THE FOLLOWING INSURANCE THEMSELVES:
1. Travel insurance
You must have your own travel insurance when going abroad, check your insurance coverage with your insurance company. Normally, travel insurance does not include medical expenses so you will need to also have separate health and accident insurance or a Europe Health Insurance Card if you are a citizen of a EU member country.
2. EUROPEAN HEALTH INSURANCE CARD, when travelling to EU/EEA countries and also Switzerland
Further information: Health Insurance Card (Kela)
Each country has their own system for giving medical treatment. You will have to pay the same fees and fixed sum excesses as permanent citizens of the host country. If you seek treatment at a hospital or with a doctor that is not part of the host country’s insurance system, you will have to pay all the expenses yourself.
Health and accident insurance, if you travel outside the EU/EEA countries
You should make sure that you have your own health and accident insurance. Sometimes the host country or institution recommends a certain type of insurance – in these cases check to see whether your insurance is sufficient..
Some non EU/EEA countries have a social security agreement with Finland. For more detailed information, please see the KELA website.
NB: If the host institution/organisation requires you to provide them with an insurance certificate from HAMK, i.e. a document in English stating what HAMK’s insurance covers, ask the International Office ( email@example.com ) to send it to you.
IN ADDITION, ALL STUDENTS PARTICIPATING IN PAID WORK PLACEMENT ABROAD MUST CLARIFY THE FOLLOWING MATTERS:
1. Does the employer’s insurance also include liability insurance?
If the employer’s insurance does not include liability coverage for you, then it is not possible for you to go on work placement abroad. It is almost impossible in Finland for a private persons to buy liability insurance for themselves for the work placement period.
2. Insurance during working hours
During paid work placement, you are usually covered by the employer’s insurance. Make sure to check with your employer beforehand about insurance coverage because it differs from country to country depending on the country’s legislation. NB: HAMK’s accident insurance does not cover you if you are on a paid work placement period abroad. So make sure that you have taken out sufficient insurance coverage!
NB: Insurance coverage of recent graduates
HAMK’s insurance does not cover the work placement period of recent graduates.
EU citizens: Citizens of the EU and the Nordic countries do not need a residence permit of visa before going on exchange to another EU country if their stay is less than 3 months. If your stay lasts longer than 3 months, you may need to register your right to reside; this varies between countries so please check beforehand. You can register with a local police station in the host country. Usually, you will need a certificate of confirmation of study place, certificate stating sufficient funding (e.g. student financial aid decision, grant decision), certificate of validity of health insurance and passport photo.
Non-EU or ETA citizens
If you not an EU or ETA citizen, you should check the requirements for residence permits case by case on the basis of your nationality and the destination country. As a rule, you should obtain a residence permit, prior to your departure, from the embassy of the country in question. It may take up to two months to get a residence permit, so do it in good time!
Non-EU and non-Nordic countries
For example, if you travel to Russia or outside Europe, you will usually need a visa and/or residence permit. You must apply for the visa/residence permit from the host country embassy in Finland before going abroad. The visa application process often takes a few weeks, even a few months. You can find further information about visas and residence permits from the host country embassy in Finland.