Insurance for students traveling abroad. Why should you take out health insurance? Countries where student insurance is mandatory.
Student insurance is one of the most important stages of applying for a student visa and successfully enrolling in a foreign university.
An applicant may be surprised that in many universities insurance is a mandatory admission document. It might seem like a pure formality that only serves as an additional money drain. However, there are several reasons why you should purchase health insurance even if the university does not require it:
| Country | Min/month | Max/month | Min coverage | Recommended coverage |
|---|---|---|---|---|
| US | 30 USD | 700 USD | 50,000 USD | 100,000 USD |
| Canada | 55 USD | 139 USD | 17,336 USD | 69,343 USD |
| UK | 24 USD | 122 USD | 48,845 USD | 122,113 USD |
| Australia | 27 USD | 738 USD | 30,737 USD | 61,474 USD |
| Germany | 51 USD | 113 USD | 30,742 USD | 51,237-102,475 USD |
| France | Free | 102 USD | 30,742 USD | 51,237-102,475 USD |
| Italy | 8 USD | 13 USD | 30,742 USD | 51,237-102,475 USD |
| Czech Republic | 25 USD | 60 USD | 68,000 USD | 100,000 USD |
| Austria | 52 USD | 492 USD | 34,000 USD | 51,237-102,475 USD |
*The table shows approximate prices, for more detailed information you can contact UniPage consultants.
Health insurance provides the student with the necessary medical care in another country. The list of medical services covered by insurance usually includes:
Depending on the student’s health status, insurance may include other services, but its cost will be higher.
Many standard insurance policies do not cover dentists, optometrists and physiotherapists.
Split the payment into two years – enroll and start learning while staying on budget
Student insurance may be required or recommended depending on the country. Insurance is required in all countries of the Schengen area, Australia, Iceland, Canada, Turkey and South Korea. Many universities in the USA also require health insurance, although about 20% of American students study without health insurance.
There are a number of large companies that insure tourists and students — they provide services for representatives of the majority of world countries:
In addition to international companies, almost every country has a range of local insurance companies willing to offer students health insurance. The university itself can provide insurance services — this practice is especially common in American universities. Some companies also offer students to insure their personal items, such as smartphones, laptops, or even luggage.
Most of the insurances can be canceled if you:
To cancel the insurance you will need to provide documents that confirm your situation. In case of a visa denial — a copy of the passport page with the denial. Documents are usually submitted online to an insurance company or university, and the amount of the insurance premium is refunded to the specified bank account.
Deductibles are very common in many insurance plans in the United States, where there is no compulsory health insurance — it can range from 250 USD to 5,000 USD. In European countries, deductibles in student policies are less common.
In principle deductibles are in place in order to make a person somewhat financially liable. For example, if you insure a car, damage it, and the cost of repairs is 7,000 USD, you will have to cover a set amount, say, 2,000 USD yourself and the rest will be covered by the insurance company. This system is in place to prevent abuse of the insurance policy. You are less likely to purposely damage your property if you have to pay for repairs alongside with the insurance company.
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