Traditional Culture Encyclopedia - Travel guide - Buy travel insurance when studying abroad
Buy travel insurance when studying abroad
When studying abroad, you need to buy insurance both at home and abroad.
Reason:
The designated insurance does not include medical repatriation:
It is understood that the insurance designated or recommended by foreign schools is only health insurance. If international students go to the hospital where they study abroad for treatment, this insurance product can cover most of the costs, and when settling the bill, because the insurance company can make direct payments with the medical institution, it can relieve international students from the pressure to advance medical payments.
However, these insurance products only cover students’ local medical expenses, and not all coverage periods are effective immediately. In this case, international students will have a gap in coverage, so another insurance product is needed to fill this gap. More importantly, if an international student unfortunately has an accident abroad or suffers from a sudden illness, and after the condition stabilizes, the family wants to take the child back to China for continued treatment, medical repatriation services will be involved. This service is not included in the insurance products designated by local schools.
Purchase in China before sending back to China:
Medical evacuation and repatriation services refer to the accident or illness stipulated in the contract when the insured suffers an accident or illness while studying abroad during the insurance period. In the event of a sudden illness, the insurance company will arrange for a rescue agency to transport the insured to the nearest hospital with appropriate medical care conditions to the place where the accident occurred; for serious cases, when the insured's injury or condition has stabilized, The rescue agency will arrange for the insured to take a normal flight back to his or her original place of departure, and will determine whether to provide medical escort during the transfer depending on the actual situation.
It should be noted that since medical repatriation is to return the insured person to his or her original place of departure, the original place of departure is within mainland China only when purchasing student retention insurance in China. If you purchase travel insurance in the country where you are studying abroad, the original place of departure mentioned in the medical repatriation becomes the country where you are studying abroad, not mainland China.
In past cases, the cost of cross-border medical repatriation often amounted to hundreds of thousands of yuan.
Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance
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