Health Insurance for Students in Lithuania: EHIC, Private Cover and PSD

Fee figures: catalogue of 6 October 2026.

Every international student in Lithuania needs valid health cover for the whole stay. The kind of cover depends on where you come from, and the minimum amount for a non-EU student changes from one source to another. The rules below come from the EU Immigration Portal and from university pages, as read in October 2026. The Migration Department's own site could not be opened automatically, so confirm the figures with your university before you buy.

EU, EEA and Swiss students

The Lithuanian University of Music and Theatre (LMTA) tells EU and EEA students to bring a European Health Insurance Card (EHIC) or an equivalent document. With the card you receive medically necessary treatment on the same terms as local residents. Care is given only in clinics and hospitals that have a contract with the Territorial Health Insurance Fund, so check that your clinic belongs to the network before you go.

Two limits are worth knowing:

European Humanities University (EHU) notes that the EHIC does not cover private healthcare or repatriation for medical reasons, and recommends extra travel insurance.
The Lithuanian University of Health Sciences (LSMU) says that after registering with a clinic, EHIC holders get emergency care on the same conditions as a permanent resident, while treatment of chronic illness and non-emergency care is charged.

Because the two universities describe the scope a little differently, ask your clinic what it will bill you before a planned visit.

Non-EU students: the policy for your permit

If you apply for a temporary residence permit (TRP), health insurance is one of the required documents. See our student visa guide for Lithuania for the full application. The sources disagree on the minimum cover, so there is no single figure to give:

The EU Immigration Portal lists insurance of €6,000 among the TRP documents and €30,000 for a national D visa.
Vilnius University asks for €10,000, valid until the permit expires.
VILNIUS TECH asks for international travel health insurance of at least €30,000, covering one year.
ISM University and EHU give €30,000, with cover for urgent care, emergency hospital treatment and repatriation.

Rules have changed over time, and some pages may be older than others. Use the figure from the university that admitted you, and if that is not stated, ask the international office in writing.

ISM says the policy must be valid in all Schengen states and cover the return home for health reasons, including transport with a medical escort. LMTA lists treatment for illness or accident, emergency hospitalisation and repatriation, and says the policy must cover the whole study period.

Where PSD fits in

Lithuania's compulsory health insurance, known as PSD, is run by the National Health Insurance Fund (VLK). LMTA states that foreign students are not covered automatically. You may join it only if you hold a permanent residence permit, or if you are legally employed and your employer pays the monthly PSD contributions. LSMU adds that the private insurance requirement does not apply to students who are legally employed in Lithuania. Without one of these routes, you rely on private cover.

The Migration Department also accepts proof of compulsory insurance instead of a private policy, according to ISM's page. For a full-time student this matters mainly if you work, so check with your university before relying on it.

Using your insurance in Lithuania

LSMU says that to register with a clinic a non-EU student shows a passport or ID card, the temporary residence permit and the private policy. Healthcare is then funded by your insurer under the policy terms. LSMU also asks for private insurance in addition to travel insurance, because travel insurance covers only urgent care and repatriation. On the same page, LSMU lists one student plan at roughly €470 a year. Treat that as one example, not as a price list or a recommendation.

Practical steps:

Before you travel, ask your university for its written minimum and the language the policy must be in. Vilnius University accepts English or Lithuanian for the insurance document.
Compare policies against that wording, not against a headline price.
Keep the certificate with your passport. You need it for the permit, and again when you renew.
After arrival, register with a clinic and check whether your insurer pays the clinic directly or reimburses you.

Where to look next

Official sources

Always check current information on the official website of the university before you apply.