International Health Insurance is a must for students pursuing studies abroad. It helps them cover their health expenses in foreign countries. These expenses include consultation fees, medical costs, and hospitalisation costs. Students get health coverage that provides them with payments in case of sickness or injuries.

    Getting health treatments may get costly and cause financial strains. However, with health insurance, students can make hospital payments without such problems. However, they must review all the insurance details before picking the right one. This includes all the coverage details and applicable countries. 

    Health insurance may seem like no big deal to students. However, health insurance is a must when a student steps out of their home to study aboard. It helps them by providing coverage of hospital bills in case of emergencies. Students can choose from many health insurance plans that include parents’ plan coverage and university-offered insurance. They can also opt for personal coverage and find their best plan. 

    In today’s world, the majority of young adults are uninsured. Numerically, around 30% of students do not have medical coverage, leading to medical debts. However, they must have one since hospitals can be costly and lead to debts. E.g. The cost to fix a broken leg is around $7,500, with which $10,000 is charged for a one-day hospital stay. Without insurance, students will have to pay the total price, while with insurance, they can cut down the total by around 60% or more.

    Why do an international student need health insurance?

    There are many reasons for students to have health insurance. Other than the medical expense coverage, they help also help secure no medical emergencies and much more. Some other benefits of international student health insurance are listed below:

    1. Medical Expense Coverage: Healthcare expenses are higher in foreign countries. This may cause financial strains and debts. However, health insurance help avoids that and provides coverage for most medical costs.
    2. Cashless Hospitalization: Students can enjoy the benefits of cashless hospitalisation if they seek treatment from one of the network hospitals. This is one of the significant benefits of health insurance. The medical bill is settled directly with the insurer, and students can get treated with 0 fee payment.
    3. Non-medical emergencies: Some medical insurances offer 360 protection and cover non-medical emergencies. They provide coverage of unfortunate events like study interruptions, loss of passports, baggage delays, and much more.
    4. Personal Liability Protection: Medical insurances may also cover third property damage or accidental lawsuits. They cover all the costs for unforeseen mishaps/accidents that may have led to injuries to the third party. These medical insurances secure expenses for third-party treatment and bail charges.
    5. Mandatory Aspects: It may be mandatory to have overseas travel insurance in some countries. Thus, it is preferable to go through the insurance policies and fulfil them if required.
    6.  Additional Perks: Health insurances offer students many additional perks and benefits. They aid visiting family members, sponsor protection, cover repatriation for mortal remains, and provide monetary compensation for study interruptions.