OSHC/OVHC

If you're preparing to study overseas, it's crucial to account for medical expenses in your host country, where healthcare might not be accessible or affordable. Student health insurance is indispensable for averting substantial medical costs, often being a prerequisite depending on the country and educational institution.

Even minor injuries or dental problems can lead to considerable expenses while abroad, underscoring the necessity of acquiring student health coverage.

During the university application process, most institutions mandate the submission of your medical insurance documents. Some universities collaborate with insurance providers to furnish customized insurance plans for international students, streamlining the selection process. Nonetheless, these university-associated packages might be pricier compared to independent medical insurance options.

For individuals seeking more economical alternatives, numerous insurers offer diverse student healthcare plans. It's essential to bear in mind that specific countries and institutions only accept particular healthcare insurance packages.

Certain universities offering scholarship programs to international students might provide and cover the cost of medical insurance for the students. Nevertheless, this isn't universally applicable, emphasizing the importance of verifying this information with the respective institution. 

What types of medical services should be included in student health insurance coverage?

The specifics of student health insurance requirements vary based on nationality and the desired study destination. However, here is a general overview of what most international medical insurance policies typically include:

• Coverage for emergency hospital treatment

• Ambulance and emergency services

• Emergency evacuation or repatriation

• Doctor or physician appointments

• Emergency dental procedures

• Diagnostic tests and X-rays

It's important to disclose any pre-existing medical conditions, such as diabetes or epilepsy, before purchasing a policy. Failure to do so could result in the invalidation of your health insurance coverage, and the insurer may decline to cover any treatment while you're studying abroad.