Health insurance and student insurance in Egypt represent two essential pillars in providing health and educational care for students. These systems aim to ensure the delivery of excellent health services and high-quality education at symbolic prices, while also alleviating the financial burdens on families. In this guide, we will explore the details of health insurance and student insurance, and how students can benefit from these important services.
Student health insurance is one of the most prominent services provided in Egypt, aiming to offer comprehensive medical coverage at affordable prices to ensure students' health protection throughout their studies. It allows them to benefit from medical services at symbolic prices and with high quality. Moreover, student health insurance in Egypt enhances the quality of medical care for citizens and provides a distinctive protective umbrella that meets the needs of students. To obtain the health insurance card, the following procedures must be followed:
Go to the school or health district to obtain a recent enrollment certificate for the student from the school, indicating that they are registered for the current academic year (2024-2025).
Prepare the required documents:
A recent computerized birth certificate for the student, or the national ID (if available).
A recent passport-sized photo of the student.
A receipt for the payment of school fees for the current year.
Visit the nearest health unit or medical center: After preparing the documents, the guardian should accompany the student to the nearest health unit or medical district to submit the required documents.
Receive the health card: The health insurance card will be issued and handed over directly upon request submission at the health unit.
The student must be registered and have paid the school fees.
A recent photo and birth certificate matching the details of the father and mother must be provided.
Comprehensive medical coverage, including examinations and treatment at discounted rates.
Surgical procedures within the health insurance system without the need to bear additional expenses outside the system.
Support for medical services across all governorates, with ongoing efforts to improve the healthcare infrastructure in collaboration with the private sector.
The subscription fee for student health insurance varies according to the educational level and type of schooling. This is also in accordance with Ministerial Decree No. 162 of 2024 and the latest updates. The subscription fees and charges are as follows:
12 EGP annually for students from primary school to secondary school.
The amount is collected from all students in public, private, and international schools.
This amount is paid to the General Authority for Health Insurance.
5 EGP for the Martyrs' Honor Fund.
5 EGP for the "We Can" Fund (support for people with disabilities).
3 EGP for the Students' Accident Insurance Fund, which is fully paid to the General Administration of Student Insurance.
The fee for issuing the health insurance card has been increased to 10 EGP, instead of 1 EGP. This is an additional fee paid when issuing the card, separate from the annual subscription. The card fee covers the cost of issuing the card, which allows the student to benefit from the student health insurance services in Egypt.
University health insurance aims to provide comprehensive medical care for university students at all stages of their studies, in line with the law and government support to ensure the protection of students' health and enhance the quality of the services provided to them. The student health insurance in Egypt includes the following elements:
Routine Medical Check-ups:
Upon enrolling in university, a medical file is created for each student, which includes their health status. This file is updated annually to track any changes or developments in the student’s health.
Medical Services on Campus:
Universities provide student hospitals (such as the Student Hospital at Cairo University), where students receive free medical check-ups and treatment within these hospitals.
Medical Referrals:
Suppose the required service or surgery is not available at the student hospital. In that case, students are referred to other university hospitals (such as Qasr El-Aini and Qasr El-Aini French Hospital) to receive treatment at no additional cost.
Chronic Disease Treatment:
Universities cover the cost of regular treatment for chronic diseases, including providing medications and physiotherapy.
Accidents and Injuries:
All accidents that occur on or off campus are covered, including the costs of necessary surgeries.
Emergency Care:
Emergency medical care includes immediate treatment and transportation to equipped hospitals when necessary.
We are providing compensatory devices and hearing aids for students with hearing impairments.
Special support for students with disabilities within the framework of the state's strategy for the care of people with special needs.
Medical services are funded through nominal fees paid by students as part of their tuition fees. These fees vary by university but do not impose a heavy burden.
If the costs exceed the general budget, the university uses its own resources to ensure the continuation of medical services.
Universities cooperate with the Comprehensive Health Insurance Authority to sign memorandums of understanding aimed at improving health services.
These agreements include integrating university hospitals into the comprehensive health insurance system and expanding health coverage for students.
Based on judicial rulings, universities are obligated to provide free treatment and healthcare to students, even in cases requiring medical intervention outside their hospitals.
Students pay specific fees for medical services, but these fees are exclusively used to improve the university health insurance system, and healthcare remains a legal right for students, not a privilege.
University health insurance includes routine check-ups, chronic disease treatment, emergency care, accident coverage, support for students with disabilities, and the provision of free medical services to students throughout their studies. These services aim to provide the highest level of health protection for students, ensuring their safety, with universities bearing all necessary expenses to achieve this.
Student insurance is a type of insurance that provides comprehensive coverage to ensure the continuity of education for children and students in case the family or student faces an emergency, such as the death or permanent disability of the person responsible for paying educational fees. This type of insurance aims to protect the student’s educational future from sudden financial crises, whether at the primary, secondary, or higher education level.
Age Group:
Individuals aged between 18 and 65 years can subscribe to this insurance.
Duration of Insurance:
The insurance period can range from 2 to 20 years, depending on the need.
Scope of Coverage:
Permanent Disability: Financial compensation in the event of permanent disability due to an accident.
Death: Coverage for educational expenses or compensation for the beneficiaries in the case of the policyholder’s death.
Medical Costs: Coverage for expenses resulting from injuries or accidents related to school activities.
Additional Benefits:
Coverage for civil liability arising from school accidents, food poisoning, or natural accidents such as fire and explosion.
Coverage for the cost of hearing aids or prosthetics in the case of physical accidents.
Provision of search and rescue services during school activities.
Ensures the continuity of the child’s education without interruption in the event that the guardian faces an unexpected accident.
Provides comprehensive protection from financial crises caused by school responsibilities or accidents linked to educational activities.
Offers peace of mind to families through flexible, customizable insurance plans based on their needs.
Health insurance and educational insurance for students in Egypt serve as essential guarantees for their health and educational well-being. Through these systems, students and their families can be assured that they receive comprehensive medical and educational care while emphasizing their rights to access medical and educational services without financial barriers.