International Student Health Insurance - Health insurance is a secure cover that gives us a peaceful sleep at night. The inflation has spared none and families are struggling to make ends meet. Speak about families in which students want to study abroad and you will know what a boon international student health insurance actually is!International student health insurance offers an assurance that can help you pursue your dreams with confidence even in countries you have never been to before. If you want to enjoy and experience this kind of confidence, there are some points you need to consider before finalizing on the international student health insurance plan of your choice:
|International Student Health Insurance|
Point 1: What Does the Plan Cover?
Ask this question over and over again before opting for the international student health insurance plan. Make sure you have a complete understanding of all the exclusions as per the insurance plan. If you do not get this clear at the upfront, you will be left in trouble when you make the claims as many expenses will have to be borne by you. Fighting with the insurance company then will not be of much help.
Point 2: What Rating does it Carry?
Most of the international student health insurance plans come with a certain rating of best or poor and so on. Find out what rating your insurance plan has. Some countries will refuse to accept insurances which have a low rating. Investing in such an insurance plan should be avoided in the first place.
Point 3: Easy to Reach?
This is something you should give special preference to while thinking of the international student health insurance. Find out if the insurance company is there for your help 24/7. In an unknown country you would want help at your fingertips. Find out if there is a toll free number that you can easily reach them at. If not inquire about the quickest means of communicating with the company for any services or inquiries.
Point 4: Methods to Make Claim
There are different schemes to claim for the hospital expenses. It could be the cashless method where you will not have to shell out any money from your pocket and the insurance company will only have to be intimated beforehand so they can pay the bills. Another method is wherein you pay for all the medical expenses and late claim the same from the insurance company. The cashless scheme is most favored and easy.
Point 5: Part of the Network?
Usually student international travel health insurance will cover a network of hospitals from among which you can settle on one for your treatment. Just ensure that your insurance plan covers such a network of hospitals. This will give you more flexibility and options while making your choice.