# Insurance info for international students - Savonia AMK

> You need a travel insurance or an European Health Insurance card for your residence permit.

## Arriving on campus late
If you cannot arrive on campus when your studies begin:

*   Contact Savonia immediately by email: milja.seppala@savonia.fi
*   Complete the Candour identification process.
*   Start your studies online according to your programme start date.
*   Arrive in Finland as soon as possible.

## Risks of starting studies late
Starting late can have significant consequences:

*   You may not earn enough credits during your first year.
*   This may affect your residence permit (Migri monitors study progress).
*   Your chances of receiving a scholarship may decrease.
*   Your studies may be delayed, leading to additional tuition fees.

## Consequences of not starting on time
*   There may not be enough available courses.
*   You may not be able to follow your Personal Study Plan (PSP).
*   You may need to postpone your studies to the next academic year and pay a new tuition fee.

## Starting studies if arriving late
It depends on your degree programme and your arrival time:

*   You must begin online studies immediately until you arrive.
*   Register as present (attending) during August.
*   Start studies on your programme’s official start date.
*   **Warning:** If you arrive too late, it may no longer be possible to complete your first-year studies.

## Deferring studies
Deferral is only possible for legal reasons:

*   Medical certificate (health reasons)
*   Pregnancy or childbirth

## Preparation before arriving in Finland
You must prepare in advance:

*   Activate your Savonia user ID.
*   Start your online studies.
*   This allows you to:
    *   Access student systems.
    *   Download your official study certificate.
    *   Use the certificate for authorities (e.g., Migri).

## Negative residence permit decisions
*   Inform Savonia immediately.
*   Your study right will be cancelled.
*   You cannot participate in on-campus studies.
*   Check the tuition fee refund policy.

## Tuition and fee obligations
*   All students registered as present must pay tuition fees, even if they are not yet in Finland.
*   You must also pay the student healthcare fee (FSHS/YTHS).
*   Payment obligations may begin before your arrival.

## Registering as absent
*   Absence must be based on a legal reason.
*   You will be transferred to the next starting group (following autumn).
*   Your tuition fee will be moved to the next academic year.