Overseas Health Insurance for Study Abroad Aspirants
Health insurance is an essential requirement for a worry-free experience while studying abroad.
International Medical Coverage: Health insurance provides you with the peace of mind to receive medical care anywhere in the world, ensuring you won't face overwhelming expenses.
Visa and Enrollment Support:Having health insurance can make obtaining a student visa and enrollment easier. This reduces the chances of your applications being delayed or rejected.
Financial Protection: In the event of an unexpected incident, having health insurance ensures that your medical expenses are covered. It safeguards you from potential financial stress.
Legal Compliance: Many countries create specific health insurance for international students. Securing this insurance not only safeguards your well-being but also shields you from potential legal complications and the risk of deportation. Protect yourself and ensure a smooth study experience abroad.
Comprehensive Care: Health insurance covers expenses related to hospital stays, prescription medications, mental health support, and much more.
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Country-wise rules
The USA has a unique system that students must navigate to meet certain criteria. In contrast, Australia requires international students to have Overseas Student Health Cover (OSHC). Similarly, in the UK, students are obligated to pay an Immigration Health Surcharge (IHS) to gain access to the National Health Service (NHS). Additionally, some universities have their own specific requirements, which often include particular coverage limits in their health insurance schemes.
Selecting a plan
Recognizing the diverse needs of students, universities create customized health insurance policies that provide essential coverage. Students can conveniently enroll in these plans during their registration process, ensuring peace of mind from day one. If a university does not offer its own insurance, students must seek private health insurance, which may not fully meet their specific needs. It's crucial for universities to invest in comprehensive health insurance options that prioritize student well-being and security.
Purchasing Health Insurance
Health insurance is essential for students, and selecting the right plan is vital for their well-being. By carefully considering their unique needs, students can find a plan that offers the best balance of cost and benefits. After choosing a suitable plan and making the necessary payment, students will receive a certificate as proof of their coverage, ensuring assurance during their academic journey.
Why do I need health insurance while studying abroad?
Some countries require students to pay for health insurance in advance, which covers basic medical needs. In Australia, the UK, and the USA, the medical costs for citizens are borne by the government through insurance. To ensure adequate medical care for international students, these countries also require that international students purchase health insurance.
Is health insurance mandatory for international students in all countries?
Health insurance is mandatory for indian students moving to specific countries. Australia requires the Overseas Student Health Cover (OSHC), and the UK requires the Immigration Health Surcharge (IHS) for its students.
Can PFEC Global help me select the right health insurance plan?
PFEC Global will select the most suitable health insurance provider based on your visa status, student budget, and country of residence. PFEC will provide a list of insurance providers to assist you throughout the entire process.
What does student health insurance typically cover?
A typical student health care plan includes:
- General medical treatments
- Prescription medications
- Surgeries and hospitalization
- Specialized treatments
- Pre-existing condition treatments, etc.
How do I purchase health insurance before moving abroad?
Student health insurance services can only be purchased through private providers. You can search the providers and select the best plans. The certificate will be needed during the visa process.