• zInternationalStudents Blog

  • Thursday, November 23, 2017

  • International Student Health Insurance – Understanding the Mandatory Terms

    Filed Under: Health Insurance

It is of great significance for any international student to understand the mandatory terms of international students health insurance as the high cost of health care is becoming alarming for students to afford in the course of their study overseas. In fact, it becomes very difficult for these international students to seek affordable health care when in need as health care is privatized most of the times. Kudos to international student health insurance that is now available for all international students.
Nevertheless, the availability of international student health insurance is one thing, understanding the mandatory terms involved are also different things altogether. It should be noted that the need for health care will depend on the country where the international student intends to pursue his or her higher education. Nevertheless, medical facilities are always subsidized; in countries where health care is the responsibility of the government. In such countries, a student can survive without international student health insurance.
On the other hand, if the health care is privatized in the country chosen for higher education by the student, such student need to obtain a good international student medical insurance policy. Hence, due to high costs of health care, it has become mandatory for international students to obtain international student health insurance.
However, to obtain international student health insurance policy, certain eligibility criteria must be met. Therefore, to be eligible for international student insurance, the individual student pursuing full time education must be less than 65 years of age and should have completed at least 14 years. Also, the international student must meet the number of hours for full time students.
In addition to the above, the student should pursue any of bachelor, masters, associate, Ph.d or any other formal program of the university. Furthermore, the insurance policy can be extended in a situation where spouse and children are involved and it is important to have a valid visa as well. While the international student insurance policy coverage is subject to premium paid, some of the insurance policies offer a grace period of one month.
International student health insurance is a must have for students students that are pursuing higher education in a foreign country. Therefore, it is better to have at least a temporary international student health insurance instead of not having any insurance at all.

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International Student Insurance (requires student status)
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