• zInternationalStudents Blog

  • Saturday, January 19, 2019

  • Health Insurance for International Students and Terrorism

    Filed Under: Health Insurance

With 9/11, people have grown increasingly aware of the terrorism threat. Places that were once considered safe and secure are no longer considered as such. That is the reason why most insurance providers include terrorism in their health insurance for international students.

Terrorism can cause injuries or illness. Insurers offer financial protection against terrorism-related risks up to a maximum amount established in each particular case. It can be different from one provider to another or from one country to another. Still, there are certain criteria that need to be met in order for benefits to be paid:
• If injuries or illnesses were caused by chemical, biological or nuclear weapons, no benefits are paid.
• If the injured party has anything to do with the respective act of terrorism, no benefits are paid.
• If the act of terrorism occurs in a country that your country of origin has issued a warning against traveling 6 months before you arrived, benefits are not to be paid.

Acts of terrorism may include, but are not limited to, acts of violence committed on behalf of political, ideological or religious beliefs with the intention to put the public in fear or to influence a government. The act may be committed by an individual acting alone. Also, the act of terrorism may be carried out on behalf of groups of people or organizations. The threat of committing a violent act may also be considered as an act of terrorism. However, the health insurance for international students does not pay any benefits of the student has refused to leave the country when warned by the government of their country of origin.


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