• zInternationalStudents Blog

  • Saturday, February 16, 2019

  • Back to the school? Pick your policy carefully!

    Filed Under: Health Insurance
With many students returning to the schools and many beginning a fresh term, international student health insurance has never been as important as right now. This is the time to decide. Which policy, how much premium, what coverage limit, how much out-of-pocket expenses? The questions can seem intimidating. The answers are simpler than you thought.

Most universities require students to have certain minimum health coverage, and those who do not can be automatically signed into the schools group insurance scheme.

The university-offered policy might have lower premiums, but the very fact that they are designed with everyone in mind will mean that they might not be perfect for you. Student medical insurance is not a one-size-fits-all scheme. It is not designed for the lowest common denominator. At least it should not be.

Each policy can be designed and offered with the exact requirements of an individual, and only then it serves him/her most effectively. Students have a choice to get their policy designed as per their needs, and should definitely use that freedom rather than going with the flow and signing up for whatever everyone else did. The difference in the cost between a generic policy and a custom-designed policy might not necessarily be prohibitive too. Just spend some time on it, and you’ll be surprised how easy and convenient it can be. Commenting is not available in this channel entry.

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