Health insurance
Insurance for international students is compulsory. It is checked at two points: when you apply for your residence permit and when you register at the university. The standard comprehensive plan covers outpatient and emergency visits, inpatient treatment, accidental injury, and accidental death or disability.
What is NOT covered. Pre-existing conditions, cosmetic treatment, over-the-counter medicine bought without a prescription, and premium private services are generally excluded. Many students wrongly assume every bill is reimbursable — keep your medical records, original invoices and test reports, because they are required for any claim.
Match the insurance period to your study duration. If you travel abroad during holidays, suspend your studies, or extend your programme, check the validity and renew on time. Without compliant insurance the immigration office will not accept your residence permit application, and the university cannot complete your enrolment. It is not an optional benefit — it is a compliance document. Arrange it as soon as you receive your admission letter.