What’s the point of international student insurance?

Many of you plan to go abroad. There are many opportunities to travel the world and have international experience. Why do you need to take out health coverage for your studies abroad or an internship?

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More and more students want to study abroad because the benefits are many. A trip abroad is always rewarding, it is an opportunity to learn or perfect a foreign language, to discover a new culture and a new country, to meet people and above all to get out of his daily routine. However, to be fully lived and to avoid any hassle, a departure to unknown land must be carefully prepared.

Going international also means essential fees for students. Among these costs is insurance that should not be chosen lightly. Indeed, buying good insurance is the guarantee that in case of health problems, accidents or major illnesses, you will be covered and will not have to pay astronomical sums.

Why choose student insurance?

You should know that the costs of health care costs in the world are uneven. Students are not always aware of these differences, which can sometimes be huge.
For example, the price of a private medicine consultation in England is between 40 and 80 euros. If we take the case of the United States, the price of consultations with general practitioners starts at $70 to reach more than $300. In case of hospitalization or repatriation the costs can quickly reach considerable sums.

In most cases, when you go abroad you will no longer benefit from your student mutual or your social security. In case it remains effective, it will only reimburse you a very small part of the costs during a consultation or hospitalization.

In order to avoid any disappointments and especially when the student leaves outside the European Union, it is essential to take out health insurance. The advantage of these student contracts? In general, they are financially advantageous and offer good coverage.

Our tips for choosing your contract

You should know that the costs of health care costs around the world are uneven. Students are not always aware of these differences, which can sometimes be huge.
For example, the price of a private medicine consultation in England is between 40 and 80 euros. If we take the case of the United States, the price of consultations with general practitioners starts at $70 to reach more than $300. In case of hospitalization or repatriation the costs can quickly reach considerable sums.

In most cases, when you go abroad you will no longer benefit from your student mutual or your social security. In case it remains effective, it will only reimburse you a very small part of the costs during a consultation or hospitalization.

In order to avoid any disappointments and especially when the student leaves outside the European Union, it is essential to take out health insurance. The advantage of these student contracts? In general, they are financially advantageous and offer good coverage.

The motivations for purchasing are different for each individual, but we want to focus your attention on the fact that an insurance product is above all guarantees (and then a price).
To choose the right insurance policy you need to rely on your destination in order to get an idea of the cost of health care costs: high, reasonable, medium-high?

Promote a contract with high warranty caps,you can never be careful enough. These limits are the maximum reimbursements you will be able to receive in the event of an accident or illness.
Pay attention to refunds, some student contracts offer to reimburse you according to the social security caps. These contracts are to be banned, your reimbursements must be made in real costs i.e. they must cover the entire medical benefit.

In order to be sure to take out the most suitable contract, Mondassur advises you 3 different insurances depending on your situation:

This international health insurance provides young people under the age of 35 with studies or internships for stays of up to 12 months. Health costs are reimbursed from the 1st euro disbursed. This insurance also compensates you up to 3,000 euros for the cancellation of a flight, the loss or deterioration of luggage To be able to benefit from it you must have a basic health system (social security).

Premium Access insurance is valid for all types of stays of up to 12 months for those under 35 years of age. In particular, it allows reimbursement of medical expenses at 100 of the actual costs, a direct payment in case of hospitalization as well as repatriation assistance. The Premium option allows you to benefit from more guarantees including baggage insurance and civil liability.

Premium Extension insurance is ideal when you go to university in the United States or Canada for up to 12 months for under 35s. Indeed, American universities are quite demanding in terms of insurance. This insurance is very comprehensive and meets 100% of the criteria of American universities

For more information visit the Mondassurwebsite. You can also contact our specialist advisors to ask all your questions.

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