Studying in Nitra
Pay for exactly as long as you study
Prices for ages 6 to 59. Any length from 1 to 24 months is possible.
Do you need it?
Yes. With temporary residence for study you are not in Slovak public health insurance, so you need commercial insurance.
No. Your European Health Insurance Card (EHIC) covers necessary care.
No. Scholarship holders are covered by Slovak public health insurance.
From application to insured, in Nitra
- 1Apply for temporary residence for study
Health insurance is not an attachment to your first application, and the police do not need it to accept it.
- 2Collect your residence card in Nitra
Foreign Police Department Nitra, Rázusova 7, 949 01 Nitra. Book the visit in the Ministry of Interior's online booking system. Booking system (minv.sk)
- 3Be insured within 3 working days
The law gives you 3 working days after collecting the card. With klido you can be insured the same day, from your phone.
- 4Keep the confirmation
Union e-mails it after payment, and it stays in your klido account. Students do not hand it in, but must show it at a police check.
What Simple covers
- Urgent and acute care, accidents
- Hospital stays and prescribed medicines
- Rescue transport and repatriation
- Up to €70,000 per insurance period
- Urgent care anywhere in the Schengen area
Good to know
- Illnesses that began before the insurance are not covered
- Pregnancy and childbirth only if agreed with Union in advance
- No waiting periods
- Want check-ups too? Safety adds preventive care, from €569.40 a year
Questions students in Nitra ask
I only study one semester. Is a semester policy enough?
Yes. Choose the length of your stay: €160 for 5 months covers a winter or summer semester. If you stay longer, extend it from your account before it ends.
Is urgent-care insurance (Simple) enough for a student residence permit?
Yes. The law asks only for a confirmation that you are health insured in Slovakia and sets no minimum cover or sum insured (Act No. 404/2011, § 123), and the Foreign Police accepts Union Simple. It covers urgent and acute care, accidents, hospital stays and prescribed medicines, up to €70,000. If you want preventive check-ups as well, Safety starts from €569.40 a year.
Do I need insurance to renew my student residence?
The renewal application for study does not need a proof of health insurance, but you must stay insured for the whole stay. A renewal reminder from klido comes 21 days before your policy ends.
I have a Slovak government scholarship.
Holders of a Slovak government scholarship are covered by Slovak public health insurance, so you do not need commercial insurance. Ask the scholarship office to confirm your case.
I am from an EU country.
You do not need this insurance: your European Health Insurance Card (EHIC) covers necessary care in Slovakia.
Can I pay in instalments?
No, the premium is paid once for the whole period, by card. That is why shorter periods exist: you can start with a semester.
What happens if I am not insured?
The Foreign Police can fine you up to €1,600 (Act No. 404/2011, § 118).
See the whole application
Sources: Act No. 404/2011 on the Residence of Foreigners (§ 32, § 34, § 111, § 118), Act No. 580/2004 on health insurance, the Ministry of Interior (minv.sk). Checked in November 2026.
klido.sk is not affiliated with the universities on this page. The insurer is Union poisťovňa, a. s.
klido is operated by quadur s.r.o., a subordinate financial agent in insurance (NBS register no. 293002) under Finportal, a. s.