Student Health Insurance

Introduction
• Essential for international students to ensure health
and financial protection
• Helps in covering unexpected medical expenses
while studying abroad
• Required in many countries for student visa approval
• Provides peace of mind and access to quality
healthcare services

3.

What is Student Health
Insurance?
• A specialized insurance plan for students studying
overseas
• Covers medical treatments, hospitalization, and
emergencies
• Offers reimbursement for outpatient care and
prescribed medications
• Some plans include additional coverage for mental
health, maternity, and preventive care

4.

Key Benefits of Student
Health Insurance
• Emergency Medical Care: Coverage for hospital visits
and surgeries
• Outpatient Services: Doctor consultations and
prescribed medication
• Mental Health Support: Access to counseling and
therapy sessions
• Preventive Care: Vaccinations and routine health
check-ups
• Repatriation and Evacuation: Covers transportation
during medical emergencies
• Dental and Vision Coverage: Available in some
comprehensive plans

5.

Types of Student Health
Insurance Plans
1. Basic Health Insurance: Covers essential medical
services, lower premiums but limited coverage
2. Comprehensive Health Insurance: Extensive
coverage for hospital stays, outpatient care, and
mental health services
3. Country-Specific Insurance Plans: Tailored to meet
regulations and healthcare standards of a specific
country

6.

How to Choose the Right
Plan
• Understand the Country’s Healthcare Requirements
• Evaluate Coverage Needs: Emergency care,
hospitalization, outpatient visits, mental health
• Compare Plans and Premiums: Check multiple
options to find the best value
• Pre-existing Conditions: Ensure coverage for preexisting medical conditions
• Additional Services: Dental, vision, and maternity
coverage might be important

7.

Student Health Insurance in
Popular Study Destinations
• USA: Mandatory in most universities; covers doctor
visits, hospitalization, prescriptions, and emergencies
• UK: Access to the NHS for students staying over six
months; private insurance for faster services
• Australia: Overseas Student Health Cover (OSHC) is
mandatory; covers doctor visits and prescription
medications
• Canada: Provincial healthcare in some provinces;
private insurance required in others
• Germany: Mandatory health insurance for all
students; public and private options available

8.

How to Apply for Student
Health Insurance
1. Research and compare different plans and
providers
2. Check university requirements to ensure plan
compatibility
3. Apply online through the provider’s website
4. Submit necessary documents (passport, student ID,
proof of enrollment)
5. Pay the premium (monthly or annually)

9.

Common Exclusions
• Pre-existing conditions (in some plans)
• Cosmetic treatments
• Alternative therapies (e.g., acupuncture)
• Elective surgeries
• Injuries from extreme sports or hazardous activities

10.

Tips for Managing Health
Insurance
• Always carry your insurance card
• Know the nearest hospitals and clinics
• Keep track of coverage limits and deductibles
• Contact your provider immediately in case of
hospitalization

11.

Conclusion
• Student health insurance is crucial for a safe and
stress-free study abroad experience
• Ensure you choose a plan that fits your health needs
and budget
• MSM Unify can help connect you with the right
resources for your study abroad journey

12.

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