The mother is worried about her son traveling thousands of miles away. Studying overseas is also prone to risks of illness, accidental injuries and financial losses. In addition to trying to include yourself in the "social security" or student insurance system in the region where you study abroad, it is also very necessary to bring yourself certain insurance.
Now, more and more children choose to study abroad, travel across the ocean, and pursue their dreams in foreign countries.
Of course, during the overseas study, various risks such as accidents are naturally inevitable. For the majority of international students and their parents, during this busy summer vacation, insurance should also be one of the essential items in the "suitcase" of studying abroad, and make plans in advance.
The first choice is the local insurance plan of the country of study
So, how should international students buy insurance specifically? Experts believe that first, parents should confirm whether the school provides insurance services on their behalf, and give priority to the compulsory or recommended student insurance plans in the country where they study abroad.
Some schools provide international students with services to purchase local insurance on their behalf in their study abroad program, which is very convenient. If the school does not provide similar services, parents need to choose a domestic insurance company with experience in overseas services to purchase before going abroad. In addition, some countries require outbound personnel to purchase the prescribed amount of insurance when applying for a study abroad visa, which requires consultation on the visa requirements of the destination country before applying.
You can also buy overseas travel insurance
If you want to purchase insurance for children who are preparing to study abroad in China, it is recommended to choose overseas travel insurance first.
Specifically, the most important protections to consider when studying abroad should include medical insurance, accident insurance and international rescue. These three aspects happen to be the "strongest" of overseas travel insurance.
Medical insurance and accident insurance can be compensated in cash when a sudden illness or accident occurs, especially in some countries with high medical expenses. This compensation will greatly reduce the medical expense burden of international students.
International rescue is actually a series of services, which are very practical for international students who have just arrived overseas. If an accident or other unexpected emergencies occur abroad, you can get various assistance through the 24-hour multilingual rescue hotline, including calling the nearest medical institution for treatment, providing the nearest hospital address, arranging hospitalization, advance payment of medical expenses, finding lost luggage or documents on your behalf, and even providing information on nearby restaurants and hotels.
Now, the market has also launched a "study abroad insurance" for international students, which is actually a "mutated product" of overseas travel insurance products. It's just more targeted and more suitable for studying abroad.
Currently, the overseas travel (study abroad) insurance plans of companies such as Meiya, Huatai, China Ping An , Sunshine, PICC Property and Casualty Insurance, and China-Germany Allianz are all more distinctive or cost-effective. International students can choose on demand.
TIPS: How to choose the appropriate overseas travel (study abroad) insurance
When choosing overseas travel (study abroad) insurance products, the main considerations can be taken from the following aspects:
protection amount and corresponding rate level, and their own insurance premium budget; protection items and subdivisions, such as in addition to basic accidents, medical care, personal property losses, relative visit costs, and personal third-party liability etc., whether the self-paid medical service fees in the place of study abroad can be reimbursed, whether the dental outpatient expenses are included, whether high-risk sports and leisure projects are covered, whether there is terrorist liability insurance, etc.; the scope of the liability except is the reasonableness of the scope of ; whether there are more targeted protection projects, such as "academic interruption insurance" (because the insured is sick, accident or the death of the immediate family, he cannot continue his overseas student life, and has paid the tuition fee and cannot be refunded); the strength of the cooperative international rescue organization; and so on.
insurance planning can be carried out in two steps
So, should international students and their parents choose to buy insurance in China or study abroad? The experts have given a clever suggestion, that is, you might as well "take two steps" to buy insurance with the highest cost-effectiveness.
For example, overseas travel insurance products or study abroad insurance products that can be purchased in China usually have a coverage period ranging from 3 days to one year. The longer the coverage time, the higher the price. For example, the "Bright Future" overseas student guarantee plan for the US-Asia (Comprehensive Plan II), the premium for the 90-day guarantee period is 1,370 yuan; the premium for the 360-day guarantee period is 5,955 yuan.
For this reason, it is best to know the insurance situation of the study abroad place in advance and then make targeted arrangements.
For example, if you go to Australia to study, it will take 3 months to be included in the local student insurance system, which means that international students are in an "insurance vacuum" state in the first three months. In this regard, it is recommended that you purchase a 3-month insurance period of relevant overseas travel or exclusive insurance for international students before going abroad. It will be directly converted to local medical insurance after 3 months. If you have a good budget at that time, you can buy simple accident insurance and other products, and try to make your premium expenditure more cost-effective.
For students studying in the UK, they can apply to enjoy the national health system only after studying abroad for more than 6 months, and the application time is about 4 weeks. Therefore, it is recommended that you can first purchase 6 to 7 months of medical care and accidents and other insurances for a long time, and then directly convert them into local medical insurance, and then purchase other insurances such as accidents separately.
When living and studying in the Netherlands, medical insurance cannot be obtained automatically. Every student staying in the Netherlands must purchase insurance by himself. This is also one of the necessary conditions for obtaining a visa and temporary residence. As one of the six html countries with Schengen visas, applying for a study abroad visa requires you to issue a medical insurance plan that has purchased more than 30,000 euros (about 300,000 yuan). For this reason, students staying in the Netherlands may wish to purchase a one-year overseas travel (study abroad) insurance directly in China.
In addition, if you require a study abroad visa insurance, since this type of visa is generally signed for 90 days first, you must renew your visa at the local consulate before the expiration date. For this reason, you can also purchase a 90-day overseas travel (study abroad) insurance in China that is equivalent to the study abroad visa time. In this way, even if you just arrived abroad, you can enjoy comprehensive protection such as accidents, outpatient and emergency medical care, and overseas rescue services. Before the insurance is about to expire, you can ask international students with purchasing experience or relevant school institutions to see how to arrange follow-up protection more cost-effectively.
If you want to "get it in one step", choose global medical insurance
Of course, another "get it in one step" method is to directly purchase global medical insurance in China. During the coverage period (usually one year), you can enjoy medical insurance from multiple countries and regions. There is no need to purchase other medical accident insurance after going abroad, but the cost is relatively high.
Whether it is purchasing overseas travel insurance or global medical insurance, after purchasing insurance, international students should carry the insurance card with their identity certificates for emergency needs. In the event of an accident, all relevant documents must be kept properly, such as hospital diagnosis certificates, accident proofs, original medical expenses receipts, etc., to ensure the smooth progress of the claims. If you are purchasing overseas travel insurance, the international rescue organization jointly operated by the insurance company will usually assist you in completing the reporting, rescue and claims process.
Finally, it is necessary to remind you that if the insured buys insurance in China, if the insured is over 18 years old, you can purchase it yourself and insure yourself; if you are under 18 years old, your parents need to be the insured.
