08 August 2013

Getting Health Insurance While Studying Abroad

When preparing for a study abroad trip, health insurance probably isn’t in the forefront of your mind. But whether you’re a U.S. citizen traveling to another country, or an exchange student studying in America, health insurance is one necessity that shouldn’t be overlooked. Here’s why you should have health insurance while studying abroad.

For those studying abroad in the United States

Not only is getting health insurance important when studying in the United States, it’s required for exchange students by the U.S. Department of State. Health insurance for those studying in the U.S. must cover these requirements, as stated by the D.O.S.: coverage of at least $50,000 for each accident or illness, coverage for evacuation to the student’s home country of $10,000 and a deductible of $500 at most.

Many U.S. universities provide health insurance for exchange students, but it does help to do research first and find options for reliable health insurance for international students in the U.S. Although you might think the costs of staying insured are high, or you doubt anything could happen to you while you’re in school, the cost of being uninsured and requiring hospitalization in America is much higher than taking precautions and paying for good health insurance.
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For those studying abroad outside the United States

While medical insurance isn’t required for U.S. citizens to study abroad, it’s smart to purchase a policy that will cover you while abroad. A typical medical policy in the states doesn’t cover healthcare outside the United States, so obtaining another, short-term policy is needed if you want to avoid high medical bills. For example, a medical evacuation to the United States could cost around $50,000.

If students require prescription medication while overseas, they should bring letters from their doctor or physician stating the need for the drug, in case the drug is considered a narcotic overseas. Also, make sure that medications brought overseas are in the original containers and labeled properly.
Studying in another country can be a life-changing experience. By making sure you’re covered during the trip, you won’t have to worry about having to pay for expensive medical bills in case you need hospitalization overseas. Stay covered and enjoy a safe trip abroad!

By: Kristine Esser

20 comments:

đỗ quỳnh said...

yes, health insurance sometimes you feel it is not very important, but when going to other countries or simply to study, you should pay more attention to it, you will not anticipate the All-will happen to you, so that health insurance is important to you.
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Mark Wright said...

At this time health insurance is very important for everybody not only students. Health insurance is a part of life everyone should think about it for his family future.
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Teresa Hamilton said...

Oh. This is one of the important problem that most of student often don't think about when study abroad. Thank you for the useful info
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