• International Students Blog

  • Friday, February 03, 2012

When one thinks about international student insurance, what comes to mind are students who are in their twenties. These students are usually in college, pursuing their Bachelor’s degree, or even Master’s degree.

However, international student insurance can also be purchase for a high school student. A foreigner who will be attending high school say, in the United States, will need to have international student insurance before he can be accepted at any school.

There are some options for a foreign student to get a medical insurance. In the US, a foreign student with an F-1 visa is eligible to apply for the “Student Secure, International High School Student Insurance.”

If a foreign student is coming to the United States to attend high school via an exchange program, he can choose to apply for third-party international student insurance. As long as the school accepts the third-party insurance, there will be one less requirement that a foreign high school student has to comply with.

A recent survey involving students in a particular state revealed that a very small number of students thought of getting a health insurance policy, even international student insurance for US students.

According to the survey, the reason why is because students are content to be under their parents’ plan. This might also be true for those students who plan to participate in student exchange programs.

Despite being covered by a parents’ insurance, a student will still benefit more for having a policy that is solely their own. There are benefits that will apply to one who is the actual policyholder than one who is only a dependent of a policyholder.

Especially for an international student, it is important to have an insurance policy that is all on his own. Being away from his own country, international student insurance will be one of the tools that he will find helpful in case he encounters a medical emergency abroad. 

In Finland, student health insurance, including foreign exchange student insurance for international students, is increasingly becoming troublesome. There are about 15,000 foreign exchange students in the country that need to be covered by a student health insurance before they can be given a resident permit.

Since the education system in Finland is sponsored by the government, this will mean that the government will be indirectly connected to the insurance policies of each of these students. This situation may prove to be a headache for both the government and the international students.

Another problem is the fact that Finland does not have an insurance company that offers international student insurance. This would mean that the foreign exchange student would have to buy an insurance policy at home or from a different country before coming to Finland.

This kind of a situation might prove to be a hassle for a foreign exchange student in Finland. Also, thousands of exchange students in the country buying an international student insurance outside of Finland would mean that euros that should have gone to Finnish insurance companies will instead be received by insurance companies based in other countries.

Thousands of foreign students go to the U.S. to participate in a student exchange program. Part of the requirements to becoming a foreign exchange student is having international student insurance.

For foreign students, for instance Asian ones, there has been some difficulty in totally understanding what their insurance plans offer. A major part of this difficulty is the fact that the country from which they come from has a very different way of running things than in the U.S.

Misconceptions about things like their insurance policies can lead to them not being able to take full advantage of the benefits that they should be getting. Life away from one’s home country and family is hard enough without the added disadvantage of not getting what one should rightfully be getting.
This is the reason why attending international student orientations are very useful. Especially when the insurance policy is provided by the university itself. A thorough explanation can be given by the school about how the student can make use of all the benefits offered by his international student insurance.

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