Studying abroad is more than getting a higher education, it is an invaluable life experience you will always remember and cherish. The things you learn in the years spent abroad will guide your decisions for years to come. Be sure you don`t ruin it all by being un-insured. One of the worst things that can happen when you are abroad is getting sick and not being able to take care of yourself. Usually the costs of treatment are so high that you may get into bigger debts than you can handle.

Fortunately international student health insurance is not often optional as most, if not all, universities will not let you study if you do not have it, which is indeed logical. If you are not going abroad to study and you are just travelling don`t ignore it, just because it is not required. Travelling can be stressful especially when you are travelling on a low budget. This means you can easily get sick. You are also exposed to a new unknown environment and to new diseases. Staying healthy on the road is a must and getting an international student health insurance may end up being the best decision you have ever made. There is nobody to help you when you are in a foreign country. You are on your own and the last thing you want is to be in need of medical assistance and large sums of money to finance it.

International student health insurance is specially designed for scholars and it usually is cheaper than other type of policy. There are various plans you can opt for depending on your needs. There is the Student Secure for studying abroad, the Spring break if you are just travelling during the vacation, or Atlas international for long term coverage in case you travel around the world. When choosing a plan make sure it covers a large number of diseases and that you are safe no matter what. Many countries don`t cover illnesses so be assured you get it on your own.

To get a good reliable policy go online to asses your needs and figure out what is the period you need the insurance for. Then choose the plan that fits them best and is required by the university you are applying for. You can purchase the health insurance online, by fax, telephone or email very quickly. After you have decided which type of policy you need and have found a good offer the rest is a piece of cake.

Freddi Vincent writes articles on Student issues, with a special interest in International Student Health Insurance [http://www.healthinsuranceinternationalstudent.com]. If you are planning to study abroad check Farebusters for cheap flights.

Student Health Insurance Abroad

Today a number of students opt to study abroad as the opportunities to grow are plenty. A degree from a foreign university is a first step to a bright future. However, you can face a situation of emergency anytime while studying abroad. What you require is a student health insurance to secure your well-being. It will not only cover your medical costs but also your non-medical ones incurred during your study years abroad.

Student health insurance ensures that your stay and study abroad is hassle free. At the same time student insurance is compulsory for many foreign universities. Many universities allow you to buy your insurance from your country, which is available at one-third the cost of insurance abroad.

You can avail student medical insurance policy with a cover for two years. Therefore, you do not have to worry about policy extension. Some companies also enable you to pay the premiums in monthly installments without any extra charges.

The following cover is provided by student health insurance:

* Medical cover and cashless hospitalisation
* Per day allowance for hospitalisation
* Dental treatment
* Personal accident
* Repatriation of remains
* Loss of passport
* Financial emergency
* Trip delay
* Personal liability

There are many benefits of buying a student medical insurance. You do not need to undergo a medical check up for insurance. At the same time it also covers pre- existing illnesses, if any. You can also extend the policy online if you plan to extend your stay. Various policies also provide cover for diseases like swine flu and H1N1 influenza. The key advantage of student health insurance is cashless hospitalization. If you cannot arrange for a large amount of money immediately, your insurance can take care of that.

Some insurance companies also reimburse your tuition fees if you discontinue your studies abroad due to a medical reason. A student health insurance also provides cover for travel and accommodation of your family members if you happen to fall sick or be hospitalised.

Buying student health insurance online is very simple. Once you fill in your details, you get a confirmatory email. You receive your policy in a hard copy format within 3 to 4 days. It contains your name and number as well as the details of the insurance company.

There are various payment options available to pay your student health insurance premiums. You can use credit card, net banking, debit card, billing and cash card.