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Posted July 14, 2014

Studying Abroad: Insurance and How It Works

Are you planning on taking the "big leap" and studying abroad? There is no doubt that pursuing your postgraduate career away from home is an excellent idea, but there are still concerns that you will need to address for your own protection. In particular, you should appreciate the benefits that a student insurance policy will provide. Although this may be the last thing on the mind of many postgraduates, these veritable "safety nets" will give you the protection and the peace of mind to pursue your dreams. So, how does this type of student insurance work and what are some of the areas that will be covered?

Student Insurance 101 It is likely that you are already somewhat aware of the benefits that a proper policy will address. You can think of this type of protection as a fail-safe against any unforeseen events that may occur while you are abroad. For example, let us assume that you decide to pursue your postgraduate degree in a country that has a tropical climate. If you come down with an exotic illness, not only will you be financially protected, but you can also expect to enjoy robust levels of medical care. Likewise, if you are on holiday in Switzerland and suffer a skiing accident, most policies will cover any emergency treatments that you may need. However, these programmes are meant to cover much more than accidents and illnesses alone.

Tailor-Made Policies One of the best things about postgraduate policies designed for students studying abroad is that they are modular in nature. In other words, think of them as a veritable "buffet"; you can utilise those features which are most relevant. This will help save a great deal of money in what would otherwise be considered a blanket policy.

Having said this, there are areas that should always be included in your coverage. These will be medical concerns, travel considerations (such as a flight cancellation) and making certain that your personal property is protected against theft or loss.

While settling in to your new environment is important, having such basic levels of protection is essential.

Depending upon your individual circumstances, there may be other needs that you should address. Thanks to the flexibility of many policies, your discrete needs can often be accommodated. A few of the situations that could require additional amendments to a plan are:
  • If you have been diagnosed with a medical condition.
  • If you plan on working while abroad.
  • How often you may be travelling.
  • The location where you are studying.

Why are these variables important? First, your premiums may be a bit higher depending upon the policy that you choose. Secondly, not all providers will offer the same levels of protection.

So, it is a great idea to shop around to encounter the most relevant plan. Thanks to the power of the Internet, it has never been easier to find adequate policies that will suit a variety of different needs. While studying abroad will certainly provide you with one of the best experiences of your life, a little protection can go a long way!

Related articles 

Studying Abroad: making contacts before you move
Studying Abroad: how to get a visa
European visas and immigration
European universities


Sarah Aug. 18, 2017, 10:28 p.m.

Would you like to suggest some places where we can FIND insurance policies? It's totally useless to just tell people they need them and not give any pointers.

Charlotte King Aug. 30, 2017, 1:05 p.m.

Hi Sarah,

Thank you for your comments. We simply wanted to give postgrad students some pointers as to considering student insurance. There are plenty of options out there and if you do some research you will find plenty of reputable student insurance providers. I will do some further research into this and let you know when we have another article on this subject live.



Charlotte King Oct. 16, 2017, 8:41 p.m.

Hi Sarah,

We now have published a blog about Postgrad Student Insurance Policies - I hope it helps:

Kind Regards,


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