subject: Bank on International Student Health Insurance to Maximize Guarantee [print this page] Bank on International Student Health Insurance to Maximize Guarantee
As study abroad programs continue to rise in popularity, concerns about the well-being of students becomes a more repeatedly discussed topic for universities, students, and parents. While there are a number of precautions that can be take to enhance safety, one of the most important is shopping an international student medical insurance plan.
As the AIFS (American Institute for Foreign Students) Foundation points out on their web site (www.aifsfoundation.org), international study programs have seen their greatest surge in popularity over the past 30 years, but that health and safety factor really began drawing the most contemplation in the 1990s. While most students are focused on the inspiring opportunity that awaits them, health and safety issues are something students should be cognizant of, and something they should prepare for with international student insurance.
There are many different ways for students to become diseased or injured while studying abroad, with food poisoning, auto accidents, viruses, and sports accidents being just a few examples. Some of these may be avoidable through awareness and being attentive, but others are going to happen no matter how careful a student is. When these situations arise, it is important to have international student health insurance in order to curtail your costs.
Without international student medical insurance, you will be accountable for the complete cost of medical care required when you are injured or ill. Based on on the severity of your condition, this can range anywhere from hundreds of dollars to tens of thousands - not easy amounts for students to compensate for.
Study abroad insurance will take in the bulk of these costs, leaving you with with little or no financial obligation for your doctor/hospital costs. This insurance, combined with education and awareness, should be the cornerstones of your plan to stay healthy while studying in foreign lands.
The AIFS Foundation suggests that students, parents, and university administrators divide the responsibility of maintaining a secured environment. They list key points in this effort as: admitting only mature students, conducting thorough educational orientations to get students acclimated, clear communication, and good planning, to name a few. By preparing students upfront to know what to look out for, many problems can be avoided. Then, any unavoidable events can be covered with a good international student health insurance policy.
One specific way students can prepare include researching the area they will be staying. As the AIFS points out, info about nearly any corner of the world is easily available online. You can acquire information about the prevalent health risks and find the best advisory warnings for any region you are interested in. This bit of upfront preparation will decrease the odds that you need to use your international student insurance plan.
With some forward thinking and shared accountability between students, parents, and participating schools, much progress can be made in the effort to make study abroad programs as safe as possible. There are many educational means students can find unrestrictedly, and schools are always working to improve the quality of knowledge of local areas they provide students. Of course, not every problem can always be condemned, so it is imperative to rescue any journey with international student medical insurance coverage.
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