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Health Cover
We absolutely love that you’re stocking up on new clothes (your first day of school outfit is important!), but, simultaneously, you also need to shop around for your global health insurance.
Read on to learn our best advice for securing your international student health insurance.
Things to know about medical insurance for international students :
Know why you need one :
Regardless of how old you are, how well traveled you are, or your relative health there are very real risks that need to be prepared for before studying abroad. Not having health insurance coverage in a country particularly notorious for expensive health care costs—can have lifelong consequences for both your health and your bank account.
Learn the terminology :
We know you might still be getting a handle on the English language, but as you shop around for health insurance for international students, it’s helpful to know the definitions of a few important terms, like:
- Claim: A claim is sent if an accident occurs. You can do this by hand or online. You usually need to submit receipts, reports, and photos with this.
- Premium: This is what you pay every month—or every six months—to have insurance. It’s like a Netflix subscription. But WAY less fun.
- Deductible: This is a predetermined amount that YOU must pay BEFORE insurance begins paying IF you have a problem. This can range significantly and will impact your premiums; the higher your deductible, the lower your monthly costs generally are. The deductible is the maximum amount you will have to pay in a year before insurance kicks in.
- Co-Insurance: Beyond your deductible, your plan might include co-insurance payments, which is a percentage of what you’ll be charged after your deductible is reached/exceeded. This is typically a percentage, like 10%.
Understand what health insurance for an international student typically covers :
There are many different organizations out there keen to provide you the type of coverage that you are looking for. Typically speaking, medical insurance for international students covers new illness or injuries, so wellness or preventative care is usually not covered. Keep in mind that additional coverage, such as dental or eye insurance, can often be purchased separately or in addition to basic inclusions.
Budget properly to cover the cost of health insurance for international students:
Generally speaking, international student health coverage plans are very affordable (your young age and good health might have something to do with that!). You need to plan ahead to pay for your monthly premium, but to also budget additional savings to cover any unexpected out of pocket expenses, such as deductibles, co-insurance, or co-pays.
Your health is important. And we’re here to help you make the right decision when you buy Overseas Health Insurance.
Study Abroad gives you the freedom to choose. It’s easy to buy Overseas Student Health Cover (OSHC) online yourself, or you can do it with the help of a Study Abroad counsellor. Our counsellors know exactly what to do, and they can recommend some great options that fit your needs.
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