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In many countries, prices are not regulated and can reach several thousand euros. Think about subscribing before you leave.
The Assistance service organizes your care wherever you are, and repatriates you (if necessary). Civil liability insurance protects you in case you injure someone.
Universities and immigration authorities want to be sure that you will not be a financial burden in case of an accident or illness. They therefore often require health and repatriation insurance for foreign students. You will need to provide proof of insurance to complete your application to your university or request your visa.
In general, you must provide a certificate of insurance that meets specific criteria. If only one element is missing, your application may be denied by the university. An insurance company specializing in international students can easily provide this certificate.
The application is usually completed online on the insurer's website. You can pay online and quickly obtain your insurance certificate to complete your application or obtain your visa.
Please note: some plans must be taken out before you leave and others require that you complete health questionnaires. Don't leave it to the last minute!
Medical expenses can be extremely expensive abroad. Hospitalization often costs tens of thousands of euros, and routine care is also very expensive as prices are often unregulated. Imagine that you sprain your ankle while practicing a sport: between the doctor's visits, X-ray or MRI, pharmaceutical treatment, and physical therapy, the total bill can quickly exceed 2,000 euros.
With international student insurance, you can relax knowing you'll be fully reimbursed.
For hospitalizations lasting more than 24 hours, your international student insurer will contact the hospital directly so you don't have to pay up front. In many countries, hospitals may refuse to treat you if you cannot prove that you have the money to pay for your care. Some even ask for deposits.
This system works worldwide with all the insurers present on the website. However, it does not apply to routine medical care such as pharmaceutical treatments.
This benefit is usually included in your (or your parents') home insurance, but it does not apply for a long stay abroad.
It is therefore vital that you take out civil liability insurance in case you accidentally cause material damage or bodily injury to a third party while abroad. What's more, this insurance is often required by the institutions that welcome you. International student insurance plans include civil liability insurance.
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