Scholarships to pursue higher education overseas have become easily accessible to estimable students. But scholarships only provide for expenses incurred for education and college/university. You need to ensure that you are financially provided for in case of a sudden medical emergency on foreign soil. This is the reason you need to need to avail of international student insurance.
This policy is ideal for overseas students who live in a regulated budget. This insurance policy conditionally remits all medical expenditures incurred by a student during the overseas studentship tenure. However, the overseas student is granted the lucrative insurance cover only if the claim adheres to certain exclusionary clauses.
An injury or illness will be disqualified for insurance cover if the company is not furnished with related documents within 3 months of medical treatment. Pre-existing conditions, which needed diagnosis/ treatment in the look-back period, are covered by the policy. The look back period could range from 6 to 24 months before the commencement of the policy tenure.
To avail of the insurance cover, relevant medical documents must be provided to the insurance company within 3 months of treatment. Treatments which necessitated either an unjustifiably exorbitant expense or no expenditure are not covered by the policy. A medical treatment not prescribed by a practicing physician does not qualify to receive medical insurance for international students coverage.
Injuries received due to conscious violation of legal and political rights are also not covered by international student insurance. So, the insurance policy would not pay for any instance that is deemed willful injury. Injuries sustained in war, while pursuing criminal or terrorist activities are not offered financial insurance cover. The policy also does not extend its medical benefits if the injury/ illness are treated in the student?s native country.
The medical treatment would not receive financial benefits if it incorporates alternative/ experimental medication. This clause effectively disqualifies sensory therapeutics like aromatherapy and music therapy. A doctor?s certificate is also mandatory if you want to receive financial coverage for medical expenditure incurred. So do not self-treat yourself, or ask quacks to attend to you.
You are also not advised to demand insurance cover for injuries sustained in pursuit of adventures sports. High risk sports automatically disqualify any insurance cover for medical expenses incurred. If such activities are likely, riders that cover sports and hazardous activities may be added on to some policies at the time of purchase.
Regular diagnostic check-ups do not qualify for insurance cover, unless in connection with a disease/ illness. Medical and substance abuse, and alcoholism treatment expenditures are also to be borne by the policyholder. These are some basic clauses that would disqualify any application for insurance cover for international students.
This policy is ideal for overseas students who live in a regulated budget. This insurance policy conditionally remits all medical expenditures incurred by a student during the overseas studentship tenure. However, the overseas student is granted the lucrative insurance cover only if the claim adheres to certain exclusionary clauses.
An injury or illness will be disqualified for insurance cover if the company is not furnished with related documents within 3 months of medical treatment. Pre-existing conditions, which needed diagnosis/ treatment in the look-back period, are covered by the policy. The look back period could range from 6 to 24 months before the commencement of the policy tenure.
To avail of the insurance cover, relevant medical documents must be provided to the insurance company within 3 months of treatment. Treatments which necessitated either an unjustifiably exorbitant expense or no expenditure are not covered by the policy. A medical treatment not prescribed by a practicing physician does not qualify to receive medical insurance for international students coverage.
Injuries received due to conscious violation of legal and political rights are also not covered by international student insurance. So, the insurance policy would not pay for any instance that is deemed willful injury. Injuries sustained in war, while pursuing criminal or terrorist activities are not offered financial insurance cover. The policy also does not extend its medical benefits if the injury/ illness are treated in the student?s native country.
The medical treatment would not receive financial benefits if it incorporates alternative/ experimental medication. This clause effectively disqualifies sensory therapeutics like aromatherapy and music therapy. A doctor?s certificate is also mandatory if you want to receive financial coverage for medical expenditure incurred. So do not self-treat yourself, or ask quacks to attend to you.
You are also not advised to demand insurance cover for injuries sustained in pursuit of adventures sports. High risk sports automatically disqualify any insurance cover for medical expenses incurred. If such activities are likely, riders that cover sports and hazardous activities may be added on to some policies at the time of purchase.
Regular diagnostic check-ups do not qualify for insurance cover, unless in connection with a disease/ illness. Medical and substance abuse, and alcoholism treatment expenditures are also to be borne by the policyholder. These are some basic clauses that would disqualify any application for insurance cover for international students.
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