Lithuania is an international student quiet favourite.

The tuition is comparably low, such cities as Vilnius and Kaunas are habitable and the universities are becoming more global-minded.

Health insurance is however not a thing to gamble on.

When a student comes with a spouse or kids the regulations are initially bewildering in a local Lithuanian insurer versus world-insurance student or expatriate offering.

This guide will show you the step by step procedure on how it is worked out in practice.

We will make the language easy, concentrate on real steps and assist you in creating a family medical arrangement that would not only be visa compliant but also actually protective.

How Health Insurance Works for International Students in Lithuania

Lithuania rules begin with one simple expectation.

In case you are a non-EU/EEA student, you have to possess a private medical insurance, which is valid in the whole period of your visa or temporary residence permit in Lithuania.

Such policy should include such things as illness, accidents and most times medical repatriation.

The lowest coverage stated as covered in studying is approximately 5,792.40 EUR, though the majority of the insurers provide much bigger sums to remain competitive and up to the university standards.

This is not merely a hollow formality of the paperwork.

Arriving without proper cover will mean you may waste time with your D-visa or your residence permit and you yourself will have to pay medical expenses in case of any serious incident.

The other relevant fact is that foreign students do not necessarily fall under the compulsory health insurance program in Lithuania, which is called PSD.

PSD is usually available only to permanent residents or to an employed individual, whose employer contributes to the PSD on his or her behalf.

This is one thing to most of the new non-EU students and their families.

You will depend primarily on individual insurance – local Lithuanian or international student insurance or a mix of both of these.

The Basic Strategy: Local Policy First, Then Think Global

A strategy adopted by most non-EU students is two steps, which is consistent with the legal framework.

They purchase a Lithuanian visa-compliant policy with a company on the Lithuanian Insurers Association (LDA) list, in the first place, due to the following reasons: this is what Studyin.lt and most universities require to use D-visa or TRP purposes.

When that is established they make a decision on whether to top that with another policy.

The latter policy is typically an international student or expat policy that permits family members (spouse and children) to be added and gives greater benefits like outpatient, mental health care, maternity or coverage in other nations.

No one family student plan exists.

Rather, families pool various products such that an individual achieves visa requirements and the entire family is subject to realistic coverage of routine and critical medical requirements.

Key Local Insurers Used by International Students

3.1 Lietuvos draudimas

Lietuvos draudimas is a local insurance that is known relatively well.

It is regularly cited as an option on university websites and other official sources that provide non-EU students requiring visa-compliant health insurance.

They provide travel and health products that are based on the Lithuanian needs.

These policies normally include medical emergencies, illness, accidents and medical transport up to the minimum coverage required in the study and residence permits.

In the families, Lietuvos draudimas provides a bit of flexibility.

Similar contracts can be issued to spouses and children, or they may form part of a group arrangement, even when the key person insured is a student.

In the event you are inclined towards this provider, be highly specific of the conversation.

Ask them to sign and state that the policy complies with the wording of the Migration Department on each non-EU family member and their practice in respect of dependants.

3.2 ERGO Lithuania

Another local name that is common in university guidance is ERGO.

Their policies are usually approved of student visas and residence permits.

They market health and travel cover with an emergency medical care cover, an illness treatment cover, and a medical transport cover of all sorts.

ERGO usually allows families to create a mini-family package or buy spouse and children policies separately, which are similar to the coverage of the student.

The pro of ERGO is the familiarity and structure.

Questions on visa and TRP requirements are answered using customer support and offices and brokers are aware of the student market.

Do not merely ask them when you talk to them, Is this visa-compliant?

Ask them to verify the period of coverage, amount covered, geographical area and how they would cover a spouse and child on the same basis.

3.3 Other Lithuanian Insurers on the LDA List

The government of Lithuania does not support one company with others.

Instead, they are demanding that non EU citizens select a provider in the list of the Lithuanian Insurers Association (LDA) to get a visa.

Various other insurers provide similar student-oriented medical plans as sales in this list.

Both of them construct products that are able to meet the minimum coverage amount and emergency treatment of the non-EU students.

To families, the differences can be in the flexibility levels of the family to the dependants.

Others are quite student-focused and will take individual contracts with all members, whereas others may put parents and children on the same policy or a series of related policies.

A realistic strategy is straightforward.

Go to your university site, see which LDA insurers they talk about most, and then ask at least two or three to provide quotes so that you can compare the coverage details, cost, and family coverage.

4. International Plans That Can Cover Families

Local policies are good for meeting Lithuanian rules.
However, they can be basic and sometimes focus narrowly on emergencies, leaving gaps in outpatient, maternity, mental health, or treatment outside Lithuania.

That is where international student and expat insurers come in.
They can extend your protection, include spouse and children, and provide a consistent safety net if your family travels frequently or splits time between Lithuania and other countries.

4.1 InsureToStudy – Master Plan / Master Plan+

InsureToStudy provides student policies in the EU.

Strong medical cover, accidents, liability, luggage, and other travel-related benefits are normally contained in the Master Plan and Master Plan+ products.

Master Plan+ can also be equipped with wider dental benefits and partial assistance of pre-existing conditions.

This may prove useful in the families that require a bigger cover than the emergency-only cover and require frequent check-ups in a multi-year degree.

Pricing is usually daily.

In the case of medical-inclusive, the costs will be between 1.21-1.87 EUR per day per individual but specific prices will vary based on age, duration and options.

The simplicity of having all the family under the same umbrella is appreciated by many families.

Marital and children insurance can also be taken jointly or through combined policies provided all the people in the family satisfy the eligibility requirements.

4.2 International Student Insurance (ISI)

International Student Insurance concentrates on student plans of health.

They strive to retain good premiums and still have good benefits on major medical events.

Their products usually have mental assistance, maternity plans, and even athletics insurance.

This is important when your child has to play school sports or when you want to have a baby when you are in Lithuania.

It is possible that dependants are being added to the main plan.

This is especially handy in such cases when Lithuanian local policies limit it to the enrolled student, and do not necessarily cover members of the family.

The trick is to comply with Lithuanian regulations.

Verify before purchase that the plan fulfills visa requirements of every non-EU family member and will cover all proposed duration of stay in Lithuania at minimum sum or more.

4.3 Allianz Care – Student and Expat Plans

Allianz Care sits at the higher end of the market.
They provide global health insurance, including tailored student and expat options with modular benefits.

Coverage can stretch far beyond basic emergency care.
You can include inpatient and outpatient treatment, maternity, mental health, rehabilitation, and other extras—often across multiple countries.

Families can usually be covered on the same policy.
This simplifies administration and makes it easier to understand deductibles, co-payments, and coverage limits for the whole household.

The trade-off is cost.
Premiums often land in the 80–250 EUR per month per adult range, depending on benefits and the chosen region of cover, with children typically rated lower but still variable.

4.4 AXA Global Healthcare and Similar Global Providers

AXA and similar international providers offer modular products.
You choose core hospital cover and then add outpatient, maternity, dental, or other benefits depending on budget and risk tolerance.

These plans are designed to accommodate families.
Adults and children can normally be insured on one contract, with access to wide provider networks and multilingual assistance services.

They are often used as “wrap-around” cover.
In other words, you buy a minimum Lithuanian-compliant local policy and then use AXA or a similar provider to create a much higher coverage ceiling and extend protection outside Lithuania.

4.5 APRIL International

APRIL International offers flexible expat and student packages.
A key selling point is the ability to tailor benefits and include dependants with varying coverage levels.

This can be attractive for families with different health needs.
For example, you might want higher outpatient and maternity limits for the parents but more basic cover for a healthy child.

However, you must still solve the regulatory puzzle.
At least one policy for each non-EU family member must meet Lithuanian visa and residence requirements, so confirm that APRIL or your combination of policies satisfies the wording before applying.

4.6 EU/EEA Families: EHIC Plus Private Top-Up

If you are an EU/EEA student, your starting point is different.
With a valid European Health Insurance Card (EHIC), you can receive medically necessary public care in Lithuania under similar conditions to local residents.

EHIC is a useful base but not a complete solution.
It does not normally cover repatriation, many private services, or non-emergency extras that families often need.

Many EU families therefore add a private travel or health policy.
This provides stronger protection for outpatient care, medical evacuation, and the kind of unexpected expenses that can seriously disrupt a study budget.

PSD (Compulsory Health Insurance) via Employment

Over time, your family situation may change.
If you or your spouse obtain legal employment in Lithuania, you may gain access to the PSD system.

Under PSD, employers pay compulsory health contributions.
This grants access to state-funded healthcare for the employee and, in many cases, their children as dependants.

This shift can significantly reduce your reliance on private insurance.
However, it is not immediate, and there is often a waiting and administrative period before full rights are confirmed.

For most new arrivals, private insurance remains the primary safety net.
Once PSD coverage is fully active, you can review your private policies, possibly dialling down to cheaper “top-up” plans focusing on extras such as private rooms, dental, or international cover.

Typical Cost Ranges and What They Actually Mean

Understanding price bands helps you budget realistically.
It also stops you from over-buying unnecessary coverage or under-insuring your family out of fear.

For local Lithuanian student or visa policies from LDA-listed insurers, you often see prices around 50–120 EUR for 6–12 months for a single student.
Some products are sold on a daily basis and can come in below 2 EUR per day, especially if they focus on emergency care only.

For international medical plus travel packages such as InsureToStudy or ISI, a typical range is 1–2 EUR per day per person.
Upgrades for extended dental, baggage, or liability protection will push you toward the upper end of that range.

For comprehensive global family plans from Allianz, AXA, APRIL and peers, monthly premiums rise significantly.
Expect something like 80–250 EUR per month per adult, with children cheaper but still dependent on age, coverage level, and geographic region.

The key is to link cost to the real risk profile of your family.
A single healthy student staying one year has very different needs from a couple planning a second child and staying for a full three-year degree.

7. Practical Planning Tips for Families

Good planning turns a complex market into a clear decision.
Think of it as building three layers: legal compliance, everyday health needs, and long-term risks.

7.1 Match Visa Wording Exactly

Start with the non-negotiable part.
Every non-EU family member must hold a policy that explicitly covers illness, accidents, and emergency treatment in Lithuania for the entire visa or TRP period, at or above the minimum sum (around 5,792.40 EUR).

Ask the insurer to provide a certificate or policy summary that uses clear, official-sounding wording.
This document is often requested by the Migration Department or consulate, and clarity reduces the chance of delays.

7.2 Clarify Who Is Actually Covered

Many “student” products are strictly individual.
They may not allow you to add a spouse or child at all, or they may offer only limited benefits for dependants.

Read the eligibility section carefully.
If your local Lithuanian policy is student-only, you will need separate policies for your spouse and children, either from the same LDA-listed insurer or via an international family-capable plan.

7.3 Understand PSD and EHIC Limits

PSD and EHIC are helpful, but they have boundaries.
PSD is generally linked to long-term residence or employment, and EHIC covers medically necessary public care but not everything a family might expect.

Do not cancel private insurance the moment you hear about PSD or EHIC.
Instead, review what is covered, what is excluded, and how fast you can access services for children or in urgent situations.

7.4 Check Co-Payments, Networks and Claims Process

Price is only one part of the story.
The structure of co-payments, deductibles, and provider networks determines how the policy feels when you actually use it.

Ask insurers how outpatient visits, diagnostics, and hospital stays are reimbursed.
Check whether major clinics in Vilnius, Kaunas, and other cities offer cashless treatment for your policy or if you must pay first and claim later.

If you are a busy parent balancing study and childcare, claims friction matters.
You want a setup where getting your child seen quickly does not require navigating a complicated reimbursement process in a language you barely speak.

7.5 Consider Maternity, Mental Health and Dental Early

Many student families underestimate these areas.
Yet they are exactly where exclusions or long waiting periods can cause financial and emotional strain.

If pregnancy is even a remote possibility during your stay, ask about maternity waiting periods and coverage caps before you buy.
If you or your spouse has a history of mental-health treatment, confirm how many sessions are covered, what kind of provider is recognised, and whether tele-mental health is included.

Dental may seem secondary but becomes important for long stays.
Children’s dental care and routine check-ups can add up quickly if they are not at least partially covered.

8. Local vs Global: A Quick Scenario Snapshot

Imagine a non-EU student arriving in Lithuania with a spouse and a four-year-old child.
They plan to stay for two years, and one partner may work part-time if a job is available.

A realistic structure could look like this:

• Layer 1 – Local compliance:
  
  • Student, spouse, and child each hold a basic local Lithuanian health policy from an LDA-listed insurer that clearly meets visa/TRP wording and coverage minimums.
    
• Layer 2 – Global family protection:
  
  • The family buys a mid-range international plan from InsureToStudy, ISI, Allianz, AXA, or APRIL that covers all three with stronger inpatient/outpatient benefits and some dental and mental-health cover.
    
• Layer 3 – Future PSD integration:
  
  • If the spouse later finds employment and PSD contributions start, the family reassesses.
    
  • They may keep the international plan but downgrade local policies or rely on PSD plus a lighter “top-up” product.
    

This layered approach avoids gaps.
Each person remains visa-compliant while the family as a whole has a sensible level of medical, travel, and long-term protection.

Build a System, Not a Single Policy

Health insurance in Lithuania is not something you “tick off” once and forget.
Especially with a family, it is a system that should evolve as your visa status, work situation, and health needs change.

Start by securing a visa-compliant local policy from an LDA-listed insurer for every non-EU family member.
Then decide whether international student or expat plans are necessary to cover the real risks you and your loved ones face—travel, chronic illness, pregnancy, mental health, or long stays.

Keep asking very concrete questions to every insurer you consider.
Who is covered, where, for how long, under what conditions, and with what process if something goes wrong late at night in a city you barely know?

If you build your coverage in thoughtful layers, you reduce stress for the entire household.
You also protect the real reason you came to Lithuania in the first place: to study, build a better future, and give your family a stable and healthy experience while you do it.

References:

• Study in Lithuania. (n.d.). Health insurance for international students. https://studyin.lt
• Migration Department of Lithuania. (n.d.). Requirements for temporary residence permits and health insurance. https://www.migracija.lt
• Lietuvos draudimas. (n.d.). Health and travel insurance products. https://www.ld.lt
• ERGO Lithuania. (n.d.). Insurance plans and services. https://www.ergo.lt
• InsureToStudy. (n.d.). Master Plan & Master Plan+. https://www.insuretostudy.com
• International Student Insurance. (n.d.). Student health insurance plans. https://www.internationalstudentinsurance.com
• Allianz Care. (n.d.). International health insurance plans. https://www.allianzcare.com
• AXA Global Healthcare. (n.d.). International health insurance options. https://www.axaglobalhealthcare.com
• APRIL International. (n.d.). Student & expat insurance plans. https://www.april-international.com