To prepare for studying abroad, insurance is a link that cannot be ignored! Studying abroad is related to leaving the country. At present, the suitable types of insurance mainly cover medical treatment, accidents and overseas assistance, and can be paid monthly according to different insurance needs.
The insurance policy of the destination country you know in advance.
Every country has some insurance policies for international students, and many countries have compulsory medical insurance for international students. Before determining their insurance plans, international students should try their best to understand the insurance policies of the countries where they study.
Pay attention to the correct use of insurance cards when studying abroad.
Most hospitals in Europe and America do not accept patients without medical insurance certificates. However, if foreign students encounter an accident, they must collect and save more on-site evidence, hospital diagnosis certificates and original medical expense receipts.
Accident insurance was bought before going abroad.
Because the risk of accidents of students going abroad is higher than that of ordinary people, in order to reduce the losses caused by accidents and the burden of medical expenses, it is best for students to take out accident and medical insurance with higher amount before going abroad, and it is best to take out travel insurance with multiple guarantees.
Medical insurance chooses products for studying abroad.
Industry insiders suggest that medical insurance should be handled locally when studying abroad. Although there are abundant overseas medical insurance in China at present, from a practical point of view, domestic products do not have advantages from an economic point of view except for convenient claims.
Popular national insurance policies for studying abroad
American medical insurance is the most practical.
All universities in the United States have medical clinics, but if the illness is serious, the cost of transferring to a local hospital is completely expensive.
British medical cards are free.
Free medical treatment with a medical card Among all countries studying abroad, the medical service in Britain is relatively good. Foreign students and their families who have lived or studied in the UK for more than 6 months.
Australia must have medical insurance.
There must be health insurance. The Australian government stipulates that all international students must pay health insurance premiums. This system is entrusted by the Australian government to the largest health insurance company in China.
New Zealand medical insurance is a must.
All international students must have medical insurance in New Zealand. This can be arranged in advance before you leave home, otherwise the school will arrange insurance for you when you sign up.
General medical care in Schengen countries can be reimbursed.
General medical treatment can be reimbursed to Schengen countries such as Germany and France. Students can apply for local medical insurance after entering school. If they are not seriously ill within one year, the cost of seeing a doctor can be paid by medical insurance.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.