WHY HEALTH INSURANCE ESSENTIAL WHEN YOU STUDY ABROAD?
Study overseas is full of exciting opportunities, exploring a new country, cultures, meet new people, and make new memories. However, medical insurance is one essential thing that should be sorted before you are heading overseas.
Medical insurance is a legal requirement for student visa holders in many countries, including Australia, Canada, the UK, and New Zealand. Without appropriate health cover, you might not be able to grant a student visa in your chosen country.
Why is health insurance so important?
Medical treatment in the above-mentioned countries is not free. Without proper health insurance, you not only breach your visa conditions but also run the risk of facing huge bills should you become ill or unwell.
How to buy international student health insurance
Vista Migration and Education Services work with the partner insurance provider to offer international student health policies. Buying one of these packages is quick and convenient. We help you to choose the correct level of coverage for your specific circumstances.
If you are looking to source your insurance policy, then you will find loads of insurers offering a variety of care plans. However, it is worth remembering that some countries and institutions only accept a certain type of policy. Check the type of policy required and the type of cover its offers before purchasing your policy.
How much does health insurance cost?
The cost of your health insurance varies widely depending on the county, type of cover, single/coupe/family cover, provider, and your health condition.
What should your medical insurance cover?
It is worth remembering, most health cover will not cover you for everything. There will be some out-of-pocket cost when you seek medical service.
The cover could vary depending on your policy, but most good health insurance policies may cover the following:
- Emergency hospital treatment
- Ambulance and emergency services cover
- Tests and x-rays
- Emergency evacuation/repatriation
- Doctor/physician appointments
- Emergency dental work
If you have a pre-existing medical condition, you must declare this before taking out a policy. Failure to mention your condition will invalidate your policy and your insurer could refuse to pay for any treatment you may need.
How do you make a claim?
Most providers will give you a 24-hour emergency phone number that can be reached from anywhere in the world. You must call the emergency number in case of an emergency.
Different policy and provider have different claim policy, you need to make yourself familiar with your insurance claim policy.