Is health insurance required for a work permit?

If you're planning to work in another country, you may already know that a work permit is essential. But what about health insurance? Is it just a personal recommendation, or is it actually a legal requirement for obtaining your work permit?

In most cases, yes — health insurance is either required at the time of applying for a work permit, or mandatory to have immediately after entering the country. In this post, we’ll explore why health insurance matters, how different countries handle it, what types of insurance you need, and what happens if you don’t have it.

Why Do Countries Require Health Insurance for Work Permits?

Governments want to ensure that foreign workers do not become a financial burden on their healthcare systems. By requiring proof of health insurance, countries aim to:

• Guarantee that incoming workers can access medical care

• Reduce pressure on public healthcare systems

• Protect both the worker and the employer from unexpected health costs

• Ensure compliance with local labor and immigration laws

At What Stage Is Health Insurance Needed?

Health insurance may be required at one of two stages, depending on the country and visa type:

1. During the Work Permit Application

Some countries require that you submit proof of valid health insurance coverage with your work permit application. This is common in places like:

• Germany

• Finland

• Japan

• South Korea

In these countries, the authorities may not even begin processing your application without insurance documentation.

2. Upon Arrival or Before Starting Work

Other countries issue the permit first but require you to register for health insurance within a specific timeframe (usually 30 to 90 days) after entering. For example:

• Canada (certain provinces)

• United States (for some visa categories)

• United Kingdom (Immigration Health Surcharge applies)

Failing to register within the allowed period can affect your legal status or lead to fines.

What Type of Health Insurance Is Accepted?

Generally, immigration authorities expect comprehensive health insurance that covers:

• In-patient and out-patient care

• Emergency services

• Repatriation (for private insurance)

• Maternity care (for long-term stays)

• Prescription medications

A. Public Health Insurance

Some countries require workers to join a national health insurance program. In these cases, contributions may be deducted from your salary, and you will have access to public healthcare like any citizen.

Examples:

• Germany’s statutory health insurance (GKV)

• Japan’s National Health Insurance (NHI)

• Finland’s Kela system

B. Private Health Insurance

In cases where you're not yet eligible for public coverage, private insurance is often accepted—especially for short-term permits or while waiting for residency registration.

Make sure the private plan meets the country’s minimum requirements. Not all travel insurance policies qualify.

Country-Specific Examples

Here’s a quick look at how health insurance is handled in some popular work permit destinations:

What Happens If You Don’t Have Health Insurance?

The consequences can be serious, including:

• Work permit denial

• Inability to register residency

• Ineligibility to begin employment

• Loss of legal status (for non-compliance after arrival)

• Financial risk in case of illness or emergency

Some countries conduct periodic checks or require proof of ongoing insurance to renew your permit.

Tips for Getting the Right Coverage

• Check the official immigration website of your destination country to see exact requirements.

• Ask your employer if they will arrange or cover insurance for you.

• Compare private providers for short-term plans that meet legal standards.

• Don’t rely on travel insurance unless specifically allowed—it often lacks required benefits for long stays.

Conclusion

Health insurance isn’t just a good idea—it’s often a legal requirement for obtaining a work permit. Whether required at the application stage or after arrival, having the right health coverage ensures you're protected and in compliance with local laws.

Before applying for a work permit, review the specific health insurance regulations in your destination country, and make sure you’re covered from day one.

If you're unsure which plan to choose, or whether your insurance qualifies, consider consulting with a local immigration expert or legal advisor.