Studying abroad in Lithuania is thrilling and challenging, but securing health insurance is crucial. As an international student, you must have valid health insurance throughout your stay. This is not just a university requirement but also essential for your visa and residence permit. Whether you’re from the EU or elsewhere, your insurance status affects your healthcare access and legal residency. Here’s the straightforward truth: ensure your insurance is in place to enjoy your Lithuanian adventure without legal or health hiccups.
📌 Health Insurance in Lithuania: What International Students Need to Know
Lithuania mandates health insurance for all international students. The rules differ depending on your country of origin.
EU/EEA Students
- If you’re from the European Union or EEA, you can use your European Health Insurance Card (EHIC) for medically necessary care.
- However, EHIC doesn’t cover everything. It won’t cover:
- Repatriation to your home country
- Non-urgent treatments
- Private medical care
- Repatriation to your home country
- That’s why it’s highly recommended to get additional private insurance. It fills in the gaps and provides peace of mind.
Non-EU/EEA Students
- You must buy private health insurance before entering Lithuania.
- This is mandatory for your visa and temporary residence permit (TRP).
- Your policy must:
- Offer minimum coverage of €30,000 (for visa)
- Be valid for your entire stay
- Include emergency care, hospitalization, and repatriation
- Be accompanied by original signed documentation (in English)
- Offer minimum coverage of €30,000 (for visa)
Missing or insufficient insurance is one of the top reasons for student visa delays or rejections. So this step is not optional—it’s foundational.
✅ What Makes a Health Insurance Plan Visa-Compliant?
To qualify for a Lithuanian student visa or residence permit, your insurance plan must meet these requirements:
| Requirement | Details |
| Minimum Coverage (Visa) | €30,000 (medical emergencies, hospital, evacuation, repatriation) |
| Minimum Coverage (TRP) | €10,000 (in-country only, for students already in Lithuania) |
| Duration | Entire period of stay or visa validity |
| Language | Original documents must be in English or Lithuanian |
| Format | Signed or sealed certificate—digitally issued but properly formatted |
| Acceptance | Policy must be accepted by Lithuanian embassies/migration offices |
| Provider Recognition | Should be acknowledged by the Lithuanian Insurers Association (LDA) |
Now, let’s look at your best options.
🏆 Top 10 Health Insurance Providers for International Students in Lithuania
Here are the top health insurance providers that are trusted, visa-compliant, and commonly chosen by overseas students in Lithuania. Each offers something unique—whether it’s affordability, digital access, or international reach.
1. Swisscare
- Coverage: €30,000+; includes urgent medical care, accident, repatriation, and search & rescue
- Highlights: Instant digital policy, affordable premiums, specifically designed for non-EU/EEA students
- Visa-Compliant: ✔ Yes
- How to Access:https://www.swisscare.com
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Swisscare is a favorite for a reason. It offers instant, visa-valid coverage with competitive rates. The online sign-up is easy, and their student plans meet Lithuania’s TRP and visa rules. Plus, the certificate comes immediately—perfect for time-sensitive visa applications.
2. International Student Insurance (ISI)
- Coverage: Customizable; emergency care, hospitalization, mental health, evacuation
- Highlights: 24/7 multilingual support, student-focused plans, flexible coverage tiers
- Visa-Compliant: ✔ Yes
- How to Access: https://www.internationalstudentinsurance.com
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ISI is tailored specifically to international students and provides excellent flexibility. Their plans are especially good if you plan to travel to multiple countries or need a bit more in areas like mental health and pre-existing conditions.
3. IMG Global
- Coverage: Custom plans; from basic to comprehensive international coverage
- Highlights: Worldwide access, coverage for medical evacuation, optional add-ons for dental and maternity
- Visa-Compliant: ✔ Yes
- How to Access: https://www.imglobal.com
If you need global coverage that works beyond Lithuania, IMG is an excellent fit. It’s especially useful for students planning to travel frequently or who may be looking to extend their stay in Europe.
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4. Cigna Global
- Coverage: International, high limits, flexible modules
- Highlights: Add-ons for dental, vision, and mental health; wide global provider network
- Visa-Compliant: ✔ Yes
- How to Access: https://www.cignaglobal.com
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Cigna offers high-end plans with lots of customization. If you prefer control over your policy details and need a provider with excellent customer service, Cigna won’t disappoint. It’s also one of the most recognized names by consulates.
5. Bupa Global
- Coverage: International and modular; core plus optional benefits
- Highlights: Excellent expat service, 24/7 support, flexibility
- Visa-Compliant: ✔ Yes
- How to Access: https://www.bupaglobal.com
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Bupa is a premium provider with exceptional global support. They’re especially well-suited for students with chronic health conditions or those seeking wider coverage, including private clinics.
6. Allianz Care
- Coverage: Worldwide; specifically designed for students
- Highlights: Digital services, fast claims, multilingual support, repatriation covered
- Visa-Compliant: ✔ Yes
- How to Access: https://www.allianzcare.com
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Allianz is a big name across Europe. Their student-focused plans are both affordable and comprehensive. Their mobile app makes claims and access to doctors easy, which can be a lifesaver for newcomers.
7. AXA
- Coverage: Emergency services, hospitalization, wellness support
- Highlights: Broad European network, evacuation and repatriation, solid reputation
- Visa-Compliant: ✔ Yes
- How to Access:https://www.axa.com
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AXA is one of the most trusted insurers in Europe. It’s a strong choice for anyone looking for a balance between affordability and comprehensive coverage. Many Lithuanian embassies list AXA as an accepted provider.
8. VUMI (VIP Universal Medical Insurance)
- Coverage: Customizable; especially strong in maternity, outpatient, and wellness services
- Highlights: Premium expat coverage with top-tier customer service
- Visa-Compliant: ✔ Yes
- How to Access:https://www.vumigroup.com
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VUMI is ideal for students who may need extended care or are traveling with dependents. Their policies are often favored by graduate and postdoctoral students needing long-term solutions.
9. Salu Health
- Coverage: Monthly digital plans with telemedicine, urgent care, and English-speaking doctors
- Highlights: Lithuania-based, student-friendly, digital-first experience
- Visa-Compliant: ✔ Yes
- How to Access: https://www.salu.md
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Salu stands out for its digital approach. The telemedicine feature is handy, especially if you’re not fluent in Lithuanian. They also offer special discounts through certain Lithuanian universities.
10. Indigo Expat
- Coverage: “1st Euro” or top-up insurance; flexible zones including Lithuania
- Highlights: Built for expats and young professionals, emergency and repatriation included
- Visa-Compliant: ✔ Yes
- How to Access: https://www.indigo-expat.com
If you’re looking for a niche option with strong coverage in Europe and beyond, Indigo Expat offers excellent plans with personalized service. Their customer support is a standout.
🧾 Pro Tips for Buying Health Insurance in Lithuania
- Always confirm visa/trp compliance with the embassy or migration department before purchasing.
- Avoid low-cost plans that lack hospitalization, repatriation, or emergency benefits—these can be rejected during visa processing.
- Check the fine print for exclusions:
- Pre-existing conditions
- Mental health care
- Sports injuries
- COVID-19 treatment
- Pre-existing conditions
- Ask your university—some offer recommendations or partner discounts with insurers.
- Start early. Don’t leave insurance to the last week before your visa application. Processing times can vary.
Final Thoughts: Don’t Compromise on Your Health or Your Visa
Selecting health insurance for studying in Lithuania is crucial for safeguarding your health, visa, and finances. Options range from budget-friendly student plans like Swisscare and Salu Health to premium providers like Cigna and Bupa. Choose based on your needs—whether you want global coverage or prefer simplicity and affordability. Adhere to visa requirements, scrutinize policy details, and ensure coverage before traveling.
References :
- Bupa Global. (n.d.). International student health plans. https://www.bupaglobal.com
- Cigna Global. (n.d.). Global health insurance. https://www.cignaglobal.com
- IMG Global. (n.d.). International student insurance. https://www.imglobal.com
- International Student Insurance. (n.d.). Health insurance for international students. https://www.internationalstudentinsurance.com
- Swisscare. (n.d.). Student insurance for Lithuania. https://www.swisscare.com
- Allianz Care. (n.d.). Student healthcare coverage. https://www.allianzcare.com
- AXA. (n.d.). Health insurance products. https://www.axa.com
- VUMI. (n.d.). VIP Universal Medical Insurance Group. https://www.vumigroup.com
- Indigo Expat. (n.d.). Expat student insurance. https://www.indigo-expat.com
- Salu Health. (n.d.). Digital health services in the Baltics. https://www.salu.md
- Lithuanian Migration Department. (n.d.). Requirements for residence permits. https://www.migracija.lt
