Are you one of the many college or university students who plan
to travel and study abroad during an upcoming semester? If so, you need
to consider purchasing overseas student health insurance. Overseas
student health insurance can be affordable and cheap, especially when
compared to medical costs you would have to pay out of your own pocket
if you were to get sick or injured while studying in another country.
Students
who plan to study abroad can usually purchase travel insurance from an
insurance company that specializes in travel insurance. Overseas
student health insurance can be purchased to last anywhere from one week
to one year, depending on the insurance company from which it is
purchased. You can also purchase long-term overseas student health
insurance if you plan to study in another country for more than one
year.
When you are looking for affordable overseas student health
insurance, be prepared to provide specific information about the trip,
yourself, and anyone else to be insured. Questions will vary among the
different insurance companies, but all of the insurance companies will
way to know:
o The country, or countries, in which you plan to study.
o The date you plan to depart and the date you plan to return.
o
Your age, and the age of any other family member to be covered, such as
the age of your spouse and the age(s) of your child(ren).
Just as
when you purchase any other insurance policy, you need to take certain
steps when shopping for an overseas student health insurance policy.
Always check the ratings of the insurance companies you are considering.
Try to get ratings for both the financial security of the insurance
company, as well as the operating stability. You can find this
information from your state's department of insurance, or from
independent research companies. Ask your state's department of
insurance about any other information they can provide about the
company.
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