Medical insurance when travelling abroad for studies
INTERNATIONAL STUDENT HEALTH INSURANCE?
There may seem to be thousands of things on your study abroad to-do list, whether you’re just beginning to finalise your housing plans or have already started packing your bags.
International student health insurance is one thing that shouldn’t be disregarded.
The purpose of international student health insurance is to provide medical care for students who are studying abroad. Insurance can be a crucial component of the application for a student visa and can also lower out-of-pocket spending for unanticipated medical needs.
WHY DO I NEED
INTERNATIONAL STUDENT HEALTH INSURANCE?
There are several reasons to consider an international student health insurance plan for your study abroad experience:
- To fulfil visa requirements, you could need insurance. Most nations demand that international students have a current student visa. A certain number of visas demand special insurance evidence. The majority of visas, including the J-1 visa, have insurance requirements that are met by StudentSecure. You will have access to a visa letter as a policyholder that you may use as documentation of coverage.
- To fulfil the criteria of your school or study abroad programme, you might need insurance. You might need to obtain student health insurance that complies with criteria if your programme or university so demands it. Many programmes and institutions allow students to acquire alternative coverage that complies with standards, although some do not offer their own insurance plans. We can send a completed waiver form and a visa letter to you and your programme or school when you acquire insurance coverage.
3.You might not be covered by your standard health insurance outside of your own country. You should thus “ask your medical insurance company if your policy extends overseas – and if it covers emergency charges such as medical evacuation,” advises the U.S. Department of State. If not, international student health insurance may be able to offer the necessary coverage abroad.
- While studying abroad, there is always a potential that you can experience a travel disaster, an accident, or a sickness. A global health insurance plan for students can pay for approved medical costs including hospital lodging and meals, intensive care, local ambulance, sutures, surgery, and other treatments needed to get your study abroad programme back on track.
What Does International Student Insurance cover?
If you experience an unanticipated illness or injury while studying abroad, an international student health insurance plan may be able to lower your personal expenses.
Before you go out and actually buy an insurance plan you need to ensure it does cover a lot of the expenditures that you may have to incur while studying abroad.
Based on our extensive experience in the study abroad consultations, we at FES can confidently say that health insurance has to be comprehensive.
A health insurance plan that does not cover a lot of your expenses is going to place you in one of the most stressful situations in life. Studying abroad is not just about the great campus experience but is that portion of your life where you as the students has to realise the responsibility that comes along with studying abroad and living on your own.
Below is a list of criteria for picking an insurance plan:
- Up to $5,000,000 of Overall Maximum Coverage
- Up to $500,000 for Emergency Medical Evacuation
- Coverage for recreational sports and activities
- Coverage for outpatient prescription drugs and mental health treatment
- Coverage for hospitalization, physician charges, X-rays, sutures, surgery, and more