Most of the Hungarian universities are public institutions, and students traditionally study without fee payment. The general requirement for university is the Matura. The Hungarian public higher education system includes universities and other higher education institutes, that provide both education curricula and related degrees up to doctoral degree and also contribute to research activities. Health insurance for students is free until the end of their studies. English and German language are important in Hungarian higher education, there are a number of degree programmes that are taught in these languages, which attracts thousands of exchange students every year. Hungary's higher education and training has been ranked 44 out of 148 countries in the Global Competitiveness Report 2014.