ÅA Survival Guide 2015-2016

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S t a t e Regu l a t i on s and I n s u r an ce s
covers pharmaceutical costs (up to 30,000
Euros). The above mentioned health insurance is
not necessarily available in all countries. In that
case an international insurance company should
be consulted.
MARSH Student Insurance Program (SIP)
SIP is a special insurance package covering
people residing abroad on a temporary basis.
SIP has been specially designed for students,
scientists, members of educational staff and
accompanying family members (husband, wife,
or children).
Åbo Akademi University has partnered with
the Student Insurance Program (SIP) provider
MARSH and we recommend this insurance
package to exchange students from outside the
EU/EEA area. The insurance can also be bought
by EU students if they wish to have private
health insurance during their stay in Finland. This
insurance has been pre-approved by the Finnish
Immigration Service. This pre-approval will result
in a quicker decision on your application for a
residence permit. For more detailed information
about the type of coverage you will need and
its cost, please see the insurance provider’s
website: . Please note that
any communication or questions about this
insurance should be directed to the insurance
provider. The SIP policy is valid worldwide. The
price of the insurance is 1.18/0.71€ per day
(2015).
Finnish National Health Insurance
If you are covered by the Finnish social security
system you are entitled to Finnish National
Health Insurance benefits. Some of the expenses
covered are:
• A share of private doctors’fees
• A share of the costs for examinations and
treatments prescribed by a private doctor
• A share of fees of private dentists and the
costs of examinations prescribed by them
• A share of your medical costs
• A share of your illness-related transportation
costs
To qualify for reimbursement, the treatment
provided must be medically necessary due to
illness, pregnancy or childbirth. The National
Health Insurance scheme also provides Sickness
Allowances (compensation for loss of income
during incapacity for work) and Partial Sickness
Allowances.
You must be covered under the NHI scheme in
order to qualifuy for reimbursement of medical
expenses. To prove your coverage and your
eligibility for reimbursements, present your
personal Kela/Fpa card at the pharmacy or the
medical clinic.
Insurances for employees at Åbo Akademi
University
Accident Insurance
Compensation in the event of accidents at work
and occupational diseases of employees are
paid by the insurance company If. For further
information, see:
You can also contact .
Collective Life Insurance
In the event of the death of an employee,
his/her relatives can get economic support
corresponding to the collective life insurance
of the employees. For further information, see:
. You
can also contact .
Travel Insurances
The employee is insured in the event of an
accident during work travel, provided that
a travel plan has been drawn up. In certain
instances, such as posting abroad, which means
the work journey extends over 3 months,
additional insurance may be required. Please
contact for more information.
Insurance information for scholarship holders
Pension and accident insurance (obligatory)
Scholarship holders are insured in LPA as of
1.1.2009. A precondition is that the scholarship
work continues for at least four months and
that the scholarship amount is a minimum of
1,250.36 euros, which is equivalent to 3,751.07
euros (in 2015) when converted into annual
earnings.