Many of you are planning to go abroad. There are many opportunities for you to travel the world and gain international international experience . Why should you take out health cover for your studies abroad or internship?
More and more students want to study abroad, as the advantages are numerous. Going abroad is always an enriching experience, giving you the chance to learn or perfect a foreign language, discover a new culture and country, meet new people and, above all, get away from your daily routine. However, to make the most of the experience and avoid any worries, a departure into an unknown land must be meticulously prepared.
Going abroad also means unavoidable costs for students. These costs include insurance, which should not be chosen lightly. A good insurance policy guarantees that in the event of health problems, accidents or major illnesses, you’ll be covered and won’t have to pay out astronomical sums.
Why choose student insurance?
It’s important to remember that healthcare costs are unevenly distributed around the world. French students are not always aware of these differences, which can sometimes be enormous.
For example, the price of a private medical consultation in England ranges from £40 to £80. In the United States, the price of a consultation with a general practitioner starts at $70 and rises to over $300. In the event of hospitalization or repatriation, costs can quickly reach considerable sums.
In most cases, when you go abroad, you will no longer benefit from your student health insurance or social security. In the event that the latter remains in force, it will only reimburse a very small part of the cost of a consultation or hospitalization.
To avoid any setbacks, especially if you’re traveling outside the European Union, it’s essential to take out health insurance. The advantage of these student contracts? Generally speaking, they are cost-effective and offer good coverage.
Our tips for choosing your contract
It’s important to remember that healthcare costs are unevenly distributed around the world. French students are not always aware of these differences, which can sometimes be enormous.
For example, the price of a private medical consultation in England ranges from £40 to £80. In the United States, the price of a consultation with a general practitioner starts at $70 and rises to over $300. In the event of hospitalization or repatriation, costs can quickly reach considerable sums.
In most cases, when you go abroad, you will no longer benefit from your student health insurance or social security. In the event that the latter remains in force, it will only reimburse a very small part of the cost of a consultation or hospitalization.
To avoid any setbacks, especially if you’re traveling outside the European Union, it’s essential to take out health insurance. The advantage of these student contracts? Generally speaking, they are cost-effective and offer good coverage.
Everyone’s buying motivations are different, but we’d like to draw your attention to the fact that an insurance product is first and foremost a guarantee (and then a price).
To choose the right insurance contract, you need to look at your destination to get an idea of the cost of your healthcare expenses: high, reasonable, average?
Choose a contract with high coverage limits, as you can never be too careful. These ceilings correspond to the maximum reimbursements you can receive in the event of accident or illness.
Pay close attention to reimbursements, as some student contracts offer to reimburse you according to social security ceilings. These contracts are to be avoided: your reimbursements must be based on actual costs, i.e. they must cover the entire medical service.
To make sure you take out the most suitable contract, Mondassur recommends 3 different types of insurance depending on your situation:
- Student Global
This insurance for students abroad covers young people under 35 who are studying or doing internships for stays ranging from a few months to several years. Healthcare costs are reimbursed from the 1st euro paid. This student insurance is ideal for a university trip to the USA or Canada. It meets 100% of American university criteria
- Student Budget
Student Budget insurance is valid for all types of stay for people under 35. It provides reimbursement of medical expenses at 100% of actual costs, direct payment in the event of hospitalization, and repatriation assistance.
- Student Backup
Studnet Backup insurance will cover you for emergencies only.
For more information, visit the Mondassur website. You can also contact our specialist advisers to ask any questions you may have.
