International Student Health Insurance


Atlantik Sha: International Student Health Insurance

Studying abroad is definitely exciting. But no matter how excited you are, don't forget to take some time to think about the more tedious, but yet crucial aspects of your new adventure, such as making sure you have the right international student health insurance.

Health insurance for international students is similar to regular health insurance. The difference is that some insurance companies offer policies designed specifically for students. That means they are cheaper, can be purchased for the entire study period, and meet the student visa requirements. Read on to learn all you need to know about international student health insurance.

Why do I need international student health insurance?

Medical costs can be too much for students to handle, so a proper health insurance plan is necessary while studying abroad. Moreover, foreigners are not protected by government regulations, so the costs for international students and expats are even higher than the costs for citizens. For this reason, many countries that host large numbers of international students require students to have health insurance.

Good international student health insurance will provide you with that much needed peace of mind, knowing that if you need medical assistance while studying abroad, you won't have to pay thousands of dollars in medical bills.

What is the best international student insurance plan?

The "best" international health insurance depends on many factors. To be considered good, a plan must at least have adequate coverage for treatment, emergency evacuation, and medication. When looking for good international student health insurance, keep in mind the following questions:

  • What’s the policy maximum? This is the amount that the insurance company will pay for an accident or illness and for the entire term of the policy. Choose a plan with the largest maximum that you are comfortable with.
  • What is the deductible amount? Sometimes called a deductible, this is the amount you have to pay yourself before the insurance company can pay the rest. It can range from $0 to thousands of dollars. The lower the deductible, the higher the cost of the policy and vice versa.
  • Do you have international coverage? Will you be insured only in your study country or worldwide? For example, if you are planning a vacation or a trip to your home country, you should have international health insurance.
  • Are all necessary items covered? Is there any coverage for pre-existing medical conditions? Are dental care, emergency evacuations, medicine and therapy or maternity expenses included?
  • Does it meet your school's requirements? Many universities have policies regarding the type of health insurance that international students must purchase. Check if the policy you want to purchase meets those requirements.
  • Does it have a PPO network? These networks may have different names. This basically means that your insurance company has certain "preferred" facilities where you can get your treatment. These establishments have the option of billing the company directly rather than paying the cost and then requesting a refund.


What does international student health insurance cover?

International student health insurance provides coverage for medical emergencies, illnesses, and treatment while you are studying abroad. Basic coverage includes the following:

  • Out-patient care. Getting medical attention or recovery without hospital treatment. Doctor visits, walk-in clinics, etc.
  • In-patient treatment. Medical treatments while you are hospitalised. Hospital rooms, intensive care units, anaesthesia, surgery, etc.
  • Prescription drugs.
  • X-ray and laboratory work.
  • Medical emergency evacuation. If you become ill and require medical assistance in your home country or elsewhere abroad, the resulting costs will be covered.
  • Dental emergencies such as broken teeth.


Why choose your international student health insurance from Atlantik Sha?

We care about the health, wellbeing and safety of our customers and are committed to providing quality insurance services for students abroad. We know how important it is to invest in proper student health insurance and that's why we offer a variety of plans to suit your needs. Our staff of professionals will assist you in covering all the concerns you may have so that you receive the best service at affordable prices, while guaranteeing your safety when studying abroad.

Why choose Atlanik Sha?

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