International Student Insurance Plans & Benefits

Written By: Dan Miller on November 27, 2009 One Comment

The opportunity to augment traditional academic learning’s with a rich firsthand understanding of new cultures and environments has international study abroad programs growing at a rapid pace. As international education is gaining importance, it has increased the relevance and need for international student insurance. As with any college education, study abroad gives students a chance to learn practical real world interpersonal skills, but does so at an accelerated rate as students interact with people with entirely new and diverse backgrounds.

Whether a student enters an international study program for a single semester or for the duration of their education, they’ll find themselves challenged, piqued, and motivated by the unique cultural experience in which they’re partaking. Learning a new group of people’s customs, habits, and nuances and experiencing it all firsthand is an invaluable experience.

In fact, as many students seek ways to diversify their resumes when they near graduation, study abroad becomes an interesting option. Ten years ago, students may have had one internship to supplement their coursework at the time of graduation. Now, students are beginning to intern in their freshmen and sophomore years in order to gain work experience. This makes the competition to stand out in an increasingly experienced crowd that much greater. So adding something like the experience of studying internationally to your resume helps get an employer’s attention.

With participation in international studies rising globally, more students need to protect themselves with international student health insurance. You never know what day you may encounter during your studies, as you come in close contact with large numbers of students everyday. International health insurance will allow you access to the same quality coverage you’d expect at home, and at an affordable rate.

Study abroad insurance protects students who are participating in international study programs. It can be purchased on a monthly basis, and it truly is an essential item for any student attending a school overseas.

Students health benefits needs are different than say, a senior citizen’s, and international student insurance programs are tailored to that fact. Most plans offer coverage on prescriptions and pre-existing conditions. Sporting activity coverage can be purchased as a supplemental item as well, recognizing the active lives students lead and the resulting potential for injuries.

Pricing options in international student medical insurance plans include a variable deductible (which you may be able to keep lower by obtaining your health care services through your university student health center). You can also choose what level of coverage you need, as well as copay amount.

International study programs present an exciting opportunity for students, but they could easily be cut short by a medical injury or illness that your existing insurance plan doesn’t cover. International student health insurance assures you that you’ll be able to receive treatment for emergencies without assuming exorbitant financial burden.

Dan Miller often writes about international student insurance.

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