Scholarships to pursue higher education overseas have become easily accessible to estimable students. But scholarships only provide for expenses incurred for education and college/university. You need to ensure that you are financially provided for in case of a sudden medical emergency on foreign soil. This is the reason you need to need to avail of insurance for international student.
The International Student Insurance policy remits medical expenditures incurred by a student while his overseas studentship tenure. However, the policy extends its financial benefits only if the nature of the claim is not categorized under some particular exclusionary clauses.
An injury or illness will be disqualified for insurance cover if the company is not furnished with related documents within 3 months of medical treatment. Pre-existing conditions, which needed diagnosis/ treatment in the look-back period, are covered by the policy. The look back period could range from 6 to 24 months before the commencement of the policy tenure.
Medical treatments that are of an unnecessary nature are not covered by the international student medical insurance. This would immediately exclude any operations or treatments for cosmetic modifications. It also includes treatments undertaken for scientific study or in the pursuit of any experimental objective.
To claim financial cover, a student must produce a physician?s certificate that officially prescribes the course of the treatment taken. Medical treatments undertaken to facilitate scientific or experimental study are not covered by the International student?s medical insurance
The medical treatment would not receive financial benefits if it incorporates alternative/ experimental medication. This clause effectively disqualifies sensory therapeutics like aromatherapy and music therapy. A doctor?s certificate is also mandatory if you want to receive financial coverage for medical expenditure incurred. So do not self-treat yourself, or ask quacks to attend to you.
The student is required to bear the expenditure incurred for treatments incorporating alternative/ traditional/ experimental medication. The benefits of the insurance policy are also inapplicable to sensory therapeutics like aromatherapy and music therapy. Periodic medical examinations, not related to any particular illness/ ailment, are not covered by the insurance policy.
Regular diagnostic check-ups do not qualify for insurance cover, unless in connection with a disease/ illness. Medical and substance abuse, and alcoholism treatment expenditures are also to be borne by the policyholder. These are some basic clauses that would disqualify any application for insurance cover for international students.
The International Student Insurance policy remits medical expenditures incurred by a student while his overseas studentship tenure. However, the policy extends its financial benefits only if the nature of the claim is not categorized under some particular exclusionary clauses.
An injury or illness will be disqualified for insurance cover if the company is not furnished with related documents within 3 months of medical treatment. Pre-existing conditions, which needed diagnosis/ treatment in the look-back period, are covered by the policy. The look back period could range from 6 to 24 months before the commencement of the policy tenure.
Medical treatments that are of an unnecessary nature are not covered by the international student medical insurance. This would immediately exclude any operations or treatments for cosmetic modifications. It also includes treatments undertaken for scientific study or in the pursuit of any experimental objective.
To claim financial cover, a student must produce a physician?s certificate that officially prescribes the course of the treatment taken. Medical treatments undertaken to facilitate scientific or experimental study are not covered by the International student?s medical insurance
The medical treatment would not receive financial benefits if it incorporates alternative/ experimental medication. This clause effectively disqualifies sensory therapeutics like aromatherapy and music therapy. A doctor?s certificate is also mandatory if you want to receive financial coverage for medical expenditure incurred. So do not self-treat yourself, or ask quacks to attend to you.
The student is required to bear the expenditure incurred for treatments incorporating alternative/ traditional/ experimental medication. The benefits of the insurance policy are also inapplicable to sensory therapeutics like aromatherapy and music therapy. Periodic medical examinations, not related to any particular illness/ ailment, are not covered by the insurance policy.
Regular diagnostic check-ups do not qualify for insurance cover, unless in connection with a disease/ illness. Medical and substance abuse, and alcoholism treatment expenditures are also to be borne by the policyholder. These are some basic clauses that would disqualify any application for insurance cover for international students.
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