Most students who study abroad are covered by their parent’s health insurance policies. However, there are a few reasons why it might be beneficial to invest in an international student health insurance policy.
International student health insurance policies often have lower deductibles than typical American health insurance plans. This means that you’ll have to pay less out-of-pocket for your healthcare costs.
International student health insurance plans also typically have higher coverage limits than American health insurance plans. This means that you’ll be covered for a greater portion of your medical expenses.
Another benefit of international student health insurance is that you’ll be able to see any doctor that you want. With an American health insurance plan, you might have to stick to in-network doctors to get coverage. However, with international student health insurance, you’ll be able to choose any doctor that you want, regardless of whether they’re in-network or out-of-network.
Lastly, international student health insurance plans often come with a variety of other benefits, such as mental health coverage and emergency evacuation coverage. These additional benefits can give you peace of mind while you’re studying abroad.
In short, there are a few benefits of investing in an international student health insurance policy. If you’re studying abroad, it’s worth considering whether or not an international student health insurance policy is right for you.
Investing in international health insurance is one of the most important things you can do as a student. No matter where you are studying, it is crucial to have health insurance that will cover you in case of an emergency. Here are a few reasons why international health insurance is so important.
Emergency medical care can be very expensive- If you find yourself in need of medical care while abroad, it is important to have insurance that will help cover the costs. Without insurance, you may be responsible for paying the entire bill out of pocket, which can be very expensive. Even if your home country has a reciprocal healthcare agreement with the country you are studying in, it is still a good idea to have insurance. These agreements only cover basic medical care and do not always include things like emergency transportation or evacuation, which can be very costly.
Your home country’s health insurance may not cover you abroad- Even if you have health insurance at home, it is unlikely that it will cover you while you are studying abroad. Most health insurance policies have provisions that exclude coverage for anything that happens outside of your home country. This means that if you get sick or injured while abroad, your health insurance will not pay for any of the costs associated with your treatment.
Many study abroad programs require students to have health insurance- In order to participate in most study abroad programs, students are required to have health insurance that will cover them while they are away from home. Some schools even go as far as to purchase health insurance policies for their students or include the cost of insurance in their program fees. If your school does not provide health insurance, they will likely require you to submit proof of coverage before you depart for your program.
Being sick or injured overseas can be very stressful- Dealing with a sickness or injury is hard enough, but doing so in a foreign country can be even more challenging. If you find yourself in this situation without health insurance, you will likely have to figure out how to get the care you need on your own, which can be both stressful and difficult. However, if you have international health insurance, you can rest assured knowing that help is just a phone call away.
One of the wisest decisions you can make as a student before going on a study abroad trip is to get international health insurance. Anytime a medical emergency arises, being ready with the appropriate coverage may make all the difference if it occurs while you are away from home.