Study Abroad

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Essential Tips for Navigating Health Insurance While Studying Abroad 

By Harsha Sachdeva 

7

The importance of health insurance for international students studying abroad. Mention the risks of being uninsured in a country known for expensive healthcare costs. 

Introduction 

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Emphasise the significance of having health insurance coverage while studying abroad, that being uninsured can lead to high out-of-pocket medical expenses in emergencies. 

Why you need health insurance ? 

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1

Define important health insurance terms such as "claim," "premium," "deductible," "co-insurance," "co-payment," and "in and out of network." Help students better understand the different aspects of health insurance plans. 

Memorise the terminology 

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For instance in the USA, J1 and F1 visa holders have different health insurance requirements. J1 must meet US Department of State standards, while F1 policies are determined by their educational institution. 

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Health insurance necessary for your visa 

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It covers new illness or injuries, Emergency doctor visits and lab orders, emergency surgeries. Additional coverage for dental, eye insurance, emergency evacuation, and trip interruptions can be added. 

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What does health insurance cover? 

4

Provide insights into the average cost of health insurance for international students. Suggest having a budget for unexpected out-of-pocket expenses to alleviate financial stress. 

Budget properly 

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5

Present recommended insurance providers for international students, such as Lewerglobal, Compass Student Insurance, AETNA, and ISO in USA as an Example. Check the benefits and features of each provider's plans. 

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Select a trustworthy, high-quality insurance provider 

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Don't delay health insurance. Check school requirements. Stay eligible for your plan throughout your education term. Review the cancellation policy with someone more knowledgeable than you. 

Other tips to keep in mind 

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Take charge of your health abroad! With these essential tips, international students can confidently navigate health insurance studying abroad. 

Recap

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