• zInternationalStudents Blog

  • Saturday, January 19, 2019

  • International Student Medical Insurance – What Will This Policy Cover?

    Filed Under: Health Insurance

As you have now decided to travel abroad for your education, you need an international student medical insurance. A lot of people make the choice of education abroad everyday because of the thrill of going to a new location and learning much more than the classroom. Nevertheless, there are certain procedures that you must follow before you are allowed to be part of the institute or university, irrespective of the choices you make. A lot of universities require that all the certification for any international student in respect of visa, travel and insurance be in place before being confirmed for admission.

Your visa or travel agency will be able to assist you in some cases to make arrangement of having your international student medical insurance arranged. Check the various offers available when you are looking for insurance as per the requirements set by your university health authorities. However, you may be able to find a deal that will be suitable but not too expensive for you if you can spend some time to compare the costs. You will also discover that there are international student medical insurance plans offered by the University of your Choice.

Furthermore, shed light on the terms to see if you can find the international student medical insurance that is satisfactory and affordable. In case you don’t need any serious medical health concerns or regular medical attention, you can choose just the basic coverage. However, should you require it as global international student medical insurance, there are other policies that will provide you with a more comprehensive coverage. Hence, check for coverage in the area you will be when applying for insurance to discover if there are discrepancies in coverage based on travel to other parts of the country.

Nevertheless, you may have to pay higher premium but be sure that medical facilities near you are covered under the issuance policy if you need a continuous assessment and evaluation long with medication. In almost all admission procedures, international student medical insurance is a mandate and you can decide to shorten or extend it, based on the research, duration and study program. Also, be sure that you claim for your international student medical insurance within the stipulated period if you have it in place and you go with some medical reasons.

When paying for medical care of students, you must consider the importance of the treatment done. As a result, when you are on international student medical insurance, your insurance company will not pay for your cosmetic surgery or a nose job. You must have appropriate letters clearly stating the reasons, what was done and the costs incurred which must be genuine, issued, signed and sealed by the doctor that treated you for you to be eligible to make claim for international medical insurance.

Be aware that it is a serious offense to commit insurance fraud, thereby do not make false claim in your international student medical insurance policy. On the other hand, if you have taken part in some medical study, the study will not be covered under your international student medical insurance.

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International Student Insurance (requires student status)
Visitor Insurance (does not require student status)