Student Health Insurance

Comprehensive International Student Health Insurance: Backed by Trusted Partners

As you prepare for your exciting study abroad adventure, it’s important to address the visa requirements that come with it. One of the crucial requirements that often arises is student health insurance. While it may be tempting to choose the cheapest option to save money, it’s important to recognize that healthcare overseas is different and more expensive than in India. Student health insurance for international students is a specialised insurance policy that provides comprehensive medical coverage during their studies abroad. It’s specifically tailored to meet the unique healthcare needs of students pursuing education in a foreign country. This type of insurance ensures that international students have access to necessary healthcare services and financial protection in case of medical emergencies or illnesses while away from your home country.

Why International Student Insurance is Important

1. Healthcare coverage

As an international student studying abroad, you will encounter a different healthcare system and possibly higher medical expenses. Student health insurance gives you access to healthcare services, including visits to a doctor, hospitalisation, emergency care, prescription medications and specialist consultations.

2. Financial protection

Medical treatments can be expensive, and unexpected health issues can disrupt your studies and financially strain you. Health insurance helps in protecting you from high medical bills and covering expenses like doctor visits, prescriptions and hospitalisation.

3. Compliance with the visa requirement

Many popular study-abroad countries, like the US, Canada, Australia and the UK, require international students to have health insurance as a condition of their student visa. By obtaining the necessary coverage, you ensure compliance with visa regulations.

4. Peace of mind

Studying abroad is an exciting but challenging experience. Having student insurance gives you an assurance that your health needs are covered. This allows you to focus more on your studies, immerse yourself in new experiences, and make the most of your study abroad journey.

What Does Student Health Insurance Cover?

The coverage given by the student health insurance can vary depending on the insurance plan and your host country. However, most student health insurance plans offer coverage for the following:

1. Inpatient and outpatient care

This includes hospitalisation, consultations with doctors, specialists and outpatient treatments.

2. Prescription medications

Coverage for prescribed medications needed for your treatment or to manage chronic conditions.

3. Emergency medical services

Coverage of emergency medical situations, including ambulance services, emergency visits and urgent care.

4. Laboratory Tests and Diagnostics Procedures

Coverage for necessary tests and procedures to diagnose and monitor health conditions.

5. Mental health services

Some student health insurance plans also cover mental health services, including counselling and therapy sessions.

Glossary of Key Insurance Terminologies

Obtaining Overseas Student Health Cover

Students usually have two options to get health coverage: purchasing insurance through their university or selecting an external insurance provider. Many universities do have their own health insurance plans that are made specifically for international students. These plans are often made to the specific requirements of international students and provide comprehensive coverage.

The other option is to explore external insurance providers that deal in international student health insurance. Researching and comparing different plans is essential to find the one that suits you best. Also, consider factors such as coverage cost, network of healthcare providers and any additional benefits or services offered.

How can Collegepond Assist you?

Student health insurance offered by universities is very expensive. Our Insurance Partner is a leading and trusted insurance provider giving our students suitable alternate options that offer similar coverage as that offered by the university.