Top 10 International Health Insurance for Students
For higher studies or better quality of education, a lot of students every year go overseas for studies. The total number of Indian students who went foreign for studies increased from 66730 in 2002 to 3,01,406 in 2016. Based on the data collected by UNESCO: (United Nations Educational, Scientific and Cultural Organization) institute of statics.
The growth span in 16 years is 22%.
Many of the times staying and living in foreign countries caused a lot of hassles and frustration.
Student Health insurance in many overseas countries is mandatory. Even many of the countries don't allow students Visa without valid medical insurance. In colleges and universities, many are prohibited from admission without medical insurance. Many times students get the option to either arrange medical insurance for themselves or they can take from their respective colleges or institutes.
Many times students found it difficult to take medical insurance from their college or universities. As it is so costly or not so easy to get due to documentation process or other extra activities.
Also, not every college or university provides medical insurance. So students who are willing to go foreign for their studies must have to know the options for insurance. Here we talk about the top 10 international health insurance for students. We also discuss how to take it, what to do, what to don't.
Features that we have to check before taking international insurance for students.
- Age restriction
Most of the companies have used a range for insurance like 16 to 35years who travel abroad for studies. Always check are you perfectly fit in it or not.
- Range and geography
Every overseas student insurance plan covers certain geographical location coverage. Companies that provide worldwide coverage always try to go with a worldwide package.
- What covers what Don't
Always check your insurance term and condition what they cover and what they don't. Some of these student medical insurance covers are study interruption due to the death of a person who pays for you. Do they take responsibility in case you go to jail or detention in an unlawful manner, sponsor protection, loss of gadgets, etc.
- Cashless hospitalization
Most overseas student insurance plans come with cashless hospitalization facilities, which means if you are hospitalized you get the treatment you don't have to pay the bill while you discharge. if you are admitted to one of the network hospitals of the insurance provider.
One has to check the network hospital also.
- Refund on policy cancellation
Always check this option. Are your insurers refund your money in case you don't like it?
- Easy extension
Always check this option as this option allows you to extend your policy after its end date if you want to go forward.
Top 10 International Health Insurance for Students
1) Reliance general insurance
Reliance general insurance is a global famous name in the field of insurance as well as other sectors too. It generally covers up to two years for your studies abroad. The minimum age for this policy offered by Reliance is 16 years and the maximum age of 35 years. One can take this policy if you want to go abroad for your studies.
It covers a wide range of students overseas studying. Few are mentioned here,
1. Accidental bodily injury during a trip
2. Emergency expenses made for medical evacuation to India.
3. Reimbursement of the tuition fee in case the person who is paying your tuition fee passes away due to injury.
4. Payment of bail amounts to the appropriate authority. If you are arrested or detained by any judicial authority for bailable offense while abroad.
2) Bharti AXA global Insurance
In case you get ill. It gives you the flexibility to be your place and get treatment or you can switch to go to your native place for treatment. It covers both without any hassle and problem. You can visit the hospital or a specialist of your choice.
It gives a wide variety of options to choose from. You can choose the plan that suits you most and you can go with affordable options.
Along with cashless hospitalization, it provides virtual doctors to meet up for regular health checkups. It has a large network of chain hospitals.
Medical evacuation and compensation for two ways ticket compensation for your family in case of insured person hospitalization available.
3) Tata AIG insurance
Tata is one of the renowned names in the field of industry as well as the insurance provider. The company promises to provide your hassle-free stress-free and minimal paperwork claim and insurance.
Some of the features of Tata AIG insurance are:
It provides 24×7 assistants so you can contact any time also the company has a very good function in the customer care section.
The company provides you an assistant in your comfort. It provides not only support from their center but it provides local assistants in a foreign land also. During an emergency, this could be a great option for getting treatment or helping you in case you lose your baggage in foreign. It can be serious but with Tata AIG you can get local assistance that can help you
If you are hospitalized for more than 6-7 days. Tata AIG will reimburse for the cost of the hospitalization and tickets for your family members who come to meet you.
4) Star health insurance
Star health insurance provides a world-class level of international health insurance for students. It was started in 2006 and worked as a standard health insurance provider. The company has been providing service in health, personal accident, and overseas travel insurance.
Features of Star health insurance are as follows:-
- It covers your emergency medical expenses.
- You can evacuate to your native place for treatment. The cost of transportation is reimbursed by the company.
- Additionally, it covers dental emergency expenses also during accidents.
- Travel related benefits of the student plan.
- It covers your injuries during traveling.
- It covers your losses during accidental baggage losses.
Other benefits compensate
It covers the traveling expenses of your family member during an accident of an insured person. It also covers reimbursement of the tuition fee during any mishappening to the person who was paying your tuition fee.
The best part of this policy is, it covers the bail bond in case of false arrest or wrongful detention in any case.
5) HDFC Ergo
HDFC Ergo insurance is a joint venture formed between HDFC and well known international company Ergo international AG it is the famous company of Germany.
- It covers medical-related coverage.
- Being a student and a sudden sickness in a foreign country have a lot of problems and make you worry. Not only financially it frustrates you everywhere, getting this insurance helps you to get treatment.
Medical evacuation
Whenever you get ill on foreign land, you can get treatment there but if you want to shift in your country for treatment HDFC ergo helps you in it and pays for your expenses.
6) ICICI Lombard
ICICI is a good name in the field of banking as well as in the insurance sector. Good medical insurance is required for any student planning to go abroad for higher education. Most universities advise you to take your insurance from your home country. You can go with ICICI Lombard. This company provides cheaper and most effective insurance for students.
It's features and faculties
- It provides a large chain of hospital networks.
- Emergency expenses were made for medical evacuation to India.
- Reimbursement of the tuition fee in case the person who is paying your tuition fee passes away due to injury.
7) Apollo Munich
This company runs its services by the name of care. The company offers different types of plans in the form of customized plans. It is available in four variants- Platinum, gold, silver, and bronze and has some ranging between USD 50,000 and USD 500,000.
Apollo Munich provides an add-on feature which is like a feather on the cap.
You can choose from a variety of geographical ranges of plans as Worldwide (W), Asiapac including Australia (A), etc.
8) IMG global
IMG global is also a well-renowned name in the field of medical insurance for international students. It provides health insurance for the long term as well as short term. IMG global provides a lot of options to choose from According to one's needs.
What does the policy cover:
- It covers a wide range of students overseas studying. Few are mentioned here:-
- Accidental bodily injury during the trip
- Emergency expenses were made for medical evacuation to India.
- Reimbursement of the tuition fee in case the person who is paying your tuition fee passes away due to injury.
9) New India Overseas Mediclaim Insurance (Employment and studies)
It is provided by New India Assurance Travel insurance. It protects the students as well as the person who is employed in an Overseas country.
Its features are as follows:
- It covers medical expenses. It covers medical evacuation.
- Bail compensation and personal liabilities also.
10) Religare student explore
- It covers medical as well as non-medical emergencies of students. So students can focus completely on his studies abroad.
- The plan by Religare travel insurance is available in four variants to Explore start, Explore plus, Explore super and Explore ultra.
- It covers the loss of passports, medical expenses, bail amount, and other various facilities.
- It also covers Compassionate visits and personal liabilities also.
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