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 students insurance.
This insurance policy conditionally defrays all medical expenditures that a student might incur while studying overseas. A student is entitled to financial benefits only if his condition doesn?t violate some overriding exclusionary clauses. A Pre-existing condition, is one which required medical attention in the look back period, which could vary from 6-24 months before the stipulated coverage begins. Pre-existing conditions are not excluded from coverage.
An injury or ailment will not qualify for insurance cover if the related medical document is not provided to the company within 3 months of treatment. This clause judges the necessity and urgency of the treatment. The policy does not extend medical benefits for free treatments, or for treatments that incur exorbitant expenditures. A medical expenditure must be validated and prescribed by a physician to qualify for insurance cover.
Medical treatments that are of an unnecessary nature are not covered by the insurance for international students. This would immediately exclude any operations or treatments for cosmetic modifications. It also includes treatments undertaken for scientific study or in the pursuit of any experimental objective.
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.
Injuries sustained during war, civil unrest and acts of terrorism are not covered by the international student medical insurance. Expenditures incurred from treating injuries received while indulging in illegal or criminal activities are not defrayed by the policy. Medical treatments needed for drug, narcotic and substance abuse are also not covered by the insurance policy.
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.
Demanding insurance cover for treatments of injuries sustained in pursuit of adventure sports is not advisable. Involvement in high risk sports or hazardous environments disqualifies the insurance cover for incurred medical expenditure. Periodic diagnostic check-ups not related to a particular injury/ illnesses are not covered by the insurance policy. Expenditures incurred while treating clinical abuse and alcoholism are also to be borne by the policyholder. These are some of the primary clauses that would deny applications for financial cover for international students.
This insurance policy conditionally defrays all medical expenditures that a student might incur while studying overseas. A student is entitled to financial benefits only if his condition doesn?t violate some overriding exclusionary clauses. A Pre-existing condition, is one which required medical attention in the look back period, which could vary from 6-24 months before the stipulated coverage begins. Pre-existing conditions are not excluded from coverage.
An injury or ailment will not qualify for insurance cover if the related medical document is not provided to the company within 3 months of treatment. This clause judges the necessity and urgency of the treatment. The policy does not extend medical benefits for free treatments, or for treatments that incur exorbitant expenditures. A medical expenditure must be validated and prescribed by a physician to qualify for insurance cover.
Medical treatments that are of an unnecessary nature are not covered by the insurance for international students. This would immediately exclude any operations or treatments for cosmetic modifications. It also includes treatments undertaken for scientific study or in the pursuit of any experimental objective.
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.
Injuries sustained during war, civil unrest and acts of terrorism are not covered by the international student medical insurance. Expenditures incurred from treating injuries received while indulging in illegal or criminal activities are not defrayed by the policy. Medical treatments needed for drug, narcotic and substance abuse are also not covered by the insurance policy.
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.
Demanding insurance cover for treatments of injuries sustained in pursuit of adventure sports is not advisable. Involvement in high risk sports or hazardous environments disqualifies the insurance cover for incurred medical expenditure. Periodic diagnostic check-ups not related to a particular injury/ illnesses are not covered by the insurance policy. Expenditures incurred while treating clinical abuse and alcoholism are also to be borne by the policyholder. These are some of the primary clauses that would deny applications for financial cover for international students.
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