Student Accident Insurance

Created 4.11.2024
Last Updated: 9.5.2025

Students are insured in conditions typical for their studies while participating in activities related to their curriculum or degree requirements, including:

  • theoretical instruction
  • practical training equivalent to work
  • work-based learning periods
  • traineeships in Finland and abroad
  • competence-based assessments, or
  • introduction to working life in basic education.

Only the hours of practical instruction, work-based learning periods, and internships that present a significant risk of accident due to work performance are considered equivalent to work.

Insurance does not cover studies abroad. Students should always take personal travel insurance for mobility periods abroad.

What to Do in Case of an Accident?

Report the accident immediately to the teaching staff. If possible, contact student services before visiting a doctor to file an accident report. This way, you will receive an insurance certificate for your medical appointment, so you won’t have to worry about payment. If you cannot fill out the accident report before seeking treatment, you can do so afterwards. Insurance company will inform the damage code to student when accident report has been filed, so student can continue collaboration directly with insurance company. Insurance company will inform the damage code to student when accident report has been filed, so student can continue collaboration directly with insurance company.

For matters related to accident reports, please contact the student affairs office at opintotoimisto@lapinamk.fi.

For questions related to insurance coverage for exchange students, please contact the International Services.