Insurance is a most essential activity for an individual if traveling to a foreign land. For students, it is especially important as it acts as a guardian for them in a foreign land. Student’s safety and security are most important so health insurance is a must.
What is health insurance? Everyone is not accustomed to the term health insurance. So, it is a type of insurance that helps in providing coverage to various policyholders for various expenses, especially in medical areas. Mainly, the health insurance plans that are chosen by an individual offer coverage for various types of expenses like – daycare expenses, surgical expenses, etc. Many people are there in the world who have health insurance policies.
Health Insurance Policies – What are They?
Are you aware of health insurance policies? It is a type of contract that occurs between policyholders and insurers. In this policy, the company offers financial coverage to the insurer, especially for medical expenses. It proves to be a very beneficial policy as due to this an individual can experience cashless treatment. Isn’t it great?
Why is Health Insurance Important?
Indeed, emergencies related to health don’t knock at your door with notice. As the lifestyle is changing, people are accustomed to multiple diseases. So, the demand is also increasing and the treatment has become expensive. So, without a health insurance plan, your savings would drain off.
Due to this fact, this policy has become a necessity as it offers various plans. Even in budget 2021, the government encourages every person to avail health insurance.
Is it a necessity to avail health insurance for students?
Student health insurance is mandatory in most countries, so if you want to study abroad then grab the most fitted student health insurance plan. Many countries don’t permit students to enter till they bring the policy with them. If you purchase the policy in India and then travel abroad, then it costs less. The policies act as a shield for students from any mishappening during their stay abroad.
Elements covered
Student health and travel insurance policies provide the best coverage which helps in lessening medical and travel risks of a student during a stay in a foreign land. Some of the main elements that are given by insurance are:-
- Emergency medical charges – It helps in offering great help to insured people, especially in case of severe illness.
- Dental treatment expenses – The plan offers this type of expense for severe injury.
- Permanent disability – If the student is permanently disabled then the policy pays some compensation to his/her family.
Claiming of student health insurance
You don’t know when you need to file a claim during your stay in a foreign land. So, let’s talk about the process of claiming the health insurance of students.
- First of all, if you lose or arise a claim then quickly reach your insurance provider and inform him. You can even call on their helpline number and can give them the details of the claim.
- If sudden sickness grabs you, and it becomes impossible to give information to your provider in advance, then try to come in contact with your provider quickly.
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