Finding the proper health insurance for your child studying abroad overseas can be a challenge. Most colleges make students that are studying abroad submit forms outlining their medical histories as well as how they plan on covering medical costs that may occur while they study overseas. Purchasing a travel health insurance policy can help to protect your child in case of medical emergencies while they travel.
Many traditional health insurance policies will not cover the costs of medical expenses that occur while traveling out of the country. Finding a policy that covers doctor visits, prescriptions, and emergencies costs can help keep you at peace when your child needs health insurance while they study abroad.
Students whose health insurance won’t cover them while studying and traveling in a foreign country usually have three options for purchasing medical coverage. The first of these options is to get a plan through the college or University. These school plans often times cover their students studying abroad because many Universities have a major presence internationally. Medical coverage offered through the University are convenient because they are relatively inexpensive and students can opt out of them if they choose. If possible, your child should look into international health insurance from their school.
Another option for medical insurance for students while studying abroad is to purchase a marketplace plan that covers them while they are studying internationally. Some schools do not offer a plan that is sufficient for covering their medical costs while they travel. In this case, purchasing individual medical coverage for students abroad can be the best option. However, sometimes the cost of these plans can be greater than the amount of insurance that they offer, so it is important to research which works for you child.
A third option for students studying abroad looking for health insurance to apply ISIC card. ISIC cards cover some basic medical costs such as accident coverage. The ISIC card can be beneficial for students in international countries that do not want to pay the cost of insurance abroad. While inexpensive, these cards offer very little insurance for students studying abroad. The two other options above will provide better coverage for your child as they study and travel abroad.
Finding a health insurance plan that covers your child while they study abroad is important for helping them remain healthy during their travels. Students that study abroad often need a doctor more than they expect. Having the right health insurance for your child while they study abroad can help keep you at peace.