Now many people choose to study abroad to broaden their horizons. There are a series of uncertainties and risks of studying abroad. How to minimize the loss is a problem that every international student must consider before studying abroad. So it is very important to buy corresponding insurance before going abroad. Let’s see what they pay attention to when buying international student insurance.
Purchase according to the requirements of destinations
Different countries have different policies for international students. And their medical insurance is also different. In some countries, schools have covered the insurance in the tuition fees when applying for studying abroad. So they do not need to buy it repeatedly. Therefore they would consider whether the destination country has regulations on the insurance coverage limit. After that, they will select products with a wide coverage and a high coverage according to the needs.
Find a reliable insurance company
It is more important to choose an insurance company with good reputation and strength. Generally, insurance companies with efficient, complete and standardized service systems and rich overseas insurance services can provide real security and services.
About guarantee period of international student insurance
The effective date of purchase of international student insurance must cover the day of departure from China. For example, if you leave China on October 20, the effective date will be October 20. If you write October 21, you may be refused a visa. In addition, you need to carefully read the terms of the insurance products when choosing the overseas study insurance with the insurance period of one year. Some products on the market will be marked in the insurance instructions or terms: if the insurance period is one year, the maximum duration of each insured trip is 183 days. This means that students who buy such insurance need to return to China once within 183 days, otherwise the remaining time guarantee may become invalid.
Coverage of international student insurance
International students can choose products with advance payment for hospitalization medical expenses as much as possible. For example, medical expenses in the United States are very expensive. Choosing insurance products with advance payment can effectively reduce the economic burden of the insured. For example, in rescue services, not only medical rescue services are provided, but also other services, including translation, passport loss and other use services. Therefore, when choosing insurance products, international students should try to analyze the situation of the country they are studying in, and choose products with appropriate quota and wider coverage according to their own economic situation.
To sum up, the key for international students to choose overseas insurance is to choose the corresponding insurance products according to their specific needs. Most overseas insurance includes accidental death and disability, accidental medical compensation, property security and overseas rescue services. But for international students, the most important thing is to pay attention to accident, medical and rescue insurance.
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