Tips for choosing health insurance for international students

BlognyaTasriadi-Insurance, the whole world celebrated World Health Day, which was announced by the WHO. While we are facing the COVID-19 pandemic, this celebration should inspire us to continue building a better world so that everyone has equal access to health services. 

As an international student, access to health care at your place of study is a major concern. Since international students are not eligible for free health care from the local government, you need health insurance that can help you in various medical conditions.

Some international universities now require international students to purchase health insurance from their designated insurance providers. But there are also universities that allow their students to choose their own insurance provider. Well, if you have the freedom to choose, there are some tips that can help you buy the best health insurance policy.

Many countries have specific health insurance requirements, especially when there are many types of student visas available. If you want to choose your own insurance, you will usually receive a list of criteria that the health insurance you choose must meet in order to qualify for a visa.

Read the list carefully and come up with a policy that covers all the costs listed (eg return or departure costs). Also make sure that the policy fits the list of criteria provided by the university you are attending.

In addition, you should also choose an insurance agent who can provide all the documents of the university and the company that processes your student visa. Don't forget to find out about the deadline for submitting documents so you can gather all the files you need before the deadline.

Each type of health insurance for international students has its own requirements. For example, there is a type of health insurance that imposes a minimum working time of one week for the insured. You must ensure that you can meet the insurer's requirements for your insurance policy to remain valid.

Make sure that the insurance you choose covers the cost of all the medical expenses you need, such as doctor's fees and drug reimbursement. Ensure the insurance you have chosen to cover all drugs you want, as the price of the doctor and the bought medicine.

Would you like to benefit from a level of health care that suits your needs? First, you will need an insurance policy that covers all the medical expenses you need, such as doctor's visits, hospitalization, and drug reimbursement. Then, you can choose the ceiling value you want. 

If you want to rely on medical expenses related to teeth and glasses, you have to buy another insurance package. Don't forget to ask for details about special benefits for international students, such as return and export fees.

In addition to the monthly cost of insurance, you may also spend money to process insurance claims. This usually happens if you buy an insurance policy that has a co-payment policy (a system of sharing medical expenses between policyholders and the insurance company) or a deductible (payments that -using the law to pay if charged). 

Ask your insurance provider for complete information about these costs so that you can make a more mature personal health budget. 

Health insurance for international students can usually be renewed for up to 4-5 years. And if you're only on a program of less than a year, there are many travel insurance policies that offer health care benefits similar to health insurance for dependents. So it is possible that you will only get travel insurance. Try contacting your chosen university and the student visa processing office to ask if you can use travel insurance instead of health insurance.

Health insurance providers for international students often offer additional insurance plans that cover dental care costs and expenses. Health insurance providers for international students often offer additional insurance plans that cover dental care costs and expenses.

You may encounter various unexpected situations during your educational journey. For example, your student visa is in trouble or there is an emergency that makes you stop studying abroad.

If you suddenly find yourself in a situation where you no longer need the health insurance you purchased, you should understand the cancellation policy. This way you will know if you are eligible to stop paying the bills and get a refund. Usually, you will get a full refund if the coverage ends before the effective date of the policy. However, if it is canceled after the legal deadline, there will be a discount that is returned to your account.

Remember to get an insurance policy as soon as possible after following the above tips to find the best health insurance. Even if you only need health insurance when you arrive abroad, this does not mean that you can buy it at the last minute. By purchasing well in advance, you will have more time to collect all the documents you need from your health insurance provider.