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Why students should always get travel medical insurance before studying abroad

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Going abroad for higher studies has become quite common in recent times. It provides a wonderful opportunity for students to learn from the best international universities, learn to be independent, meet people from different cultures, and explore popular destinations.

However, the idea of staying in a new country can be both exciting and scary. Many times, being away from home for a long time increases stress levels and takes a toll on health. Considering the high healthcare costs in most foreign countries, it is important for students to take overseas travel insurance or travel medical insurance and stay covered against medical emergencies.

What is student travel medical insurance?

Student travel medical insurance is an insurance plan that offers medical coverage of students going abroad for higher education. This plan covers accidents, emergency medical treatments, cost of medicines, dental treatment, surgery, medical evacuation, and more.

Advantages of travel medical insurance for students going abroad

A travel medical insurance plan covers hospital bills and other health-related expenses of students in a foreign country and reduces their financial burden. Here is a look at the advantages of the insurance plan.

It takes care of your hospital bills: When you are in a new country, the change in food, lifestyle, and environment can weaken your immune system and result in infections, allergies and other conditions. This is when having a travel medical insurance policy helps. You can avail of cashless treatment at a network hospital or get a reimbursement from the insurance company when taking healthcare from a non-network hospital.

It covers accident-related expenses: If you meet with an accident in a foreign country, the insurer will take care of your hospital bills and save you from financial worries.

It assures emergency medical evacuation: In case you suffer an injury or health condition that requires emergency medical evacuation, the insurer will come to your rescue. They will get you out of any such distressing situation via surface or air and help you reach the nearest hospital in time.

It offers hospital daily cash allowance: Apart from taking care of your hospital bills, your insurer will also reimburse petty hospitalisation expenses. This is a big help for students with limited finances.

It offers flexibility while travelling: Most students explore other landmarks and new places while studying abroad. Each destination may have different rules when it comes to medical care and figuring this out can be a tedious task. However, you need not worry about these things if you have a comprehensive travel medical insurance plan that covers you wherever you go. The insurance plan will ensure your health and safety at all times.

It covers family visits in case of medical emergencies: In case you are hospitalised for more than 7 days and an immediate family member wants to visit you, your insurer will cover the cost of their flight tickets and other associated expenses as per the policy terms and conditions.

It offers tuition fees refund in case of study interruption: Unable to attend your classes due to the death of a close family member or prolonged hospitalisation? Get in touch with your insurance provider and they will refund the tuition fees you have paid in advance at the university.

It covers emergency dental expenses: Dentures broken or experiencing acute pain in your tooth? Worry not visit the nearest dental clinic and get treatment without worrying about the costs. Your travel medical insurance will cover your dental expenses in case of severe pain or injury.

It offers financial help in case of sponsor’s death: In case of sponsor’s accidental death, your insurance company will pay the remaining tuition fees to help you continue with your education.

It helps you get a new passport: If you happen to lose your passport, your insurer will compensate you for the new one.

Conclusion:

Travel medical insurance is one of the most important documents for students going abroad for their higher education. It offers medical and financial support in a foreign land and covers you for incidents occurring on campus as well as outside. If you are going abroad for higher education, take HDFC ERGO overseas travel insurance or travel medical insurance to stay covered against the uncertainties. Our insurance plans offer worldwide coverage and eliminate financial risks, thereby providing peace of mind to the students as well as their loved ones back home.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.