Importance of Health Insurance While Studying Abroad

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If you’re planning to study abroad, it’s crucial to ensure that you have sufficient health and travel insurance. Unimoni can assist you in finding the best coverage that suits your needs. 

At Unimoni, we provide a range of health and travel insurance plans tailored explicitly for study-abroad students. Our plans are designed to cater to students’ unique requirements, and we offer affordable rates.

Medical insurance for study-abroad students is a type of travel insurance specifically designed to cater to the medical needs of students studying outside their home country. It covers various medical expenses, including doctor visits, hospital stays, prescription drugs, medical emergencies, mental health care, dental care, and vision care. It is important to note that the coverage offered by each medical insurance plan may vary. Therefore, it is essential to compare different plans carefully before selecting one.


Is there any difference between travel insurance and health insurance?

Travel and health insurance are two different types of insurance policies. Travel insurance covers unforeseen expenses, such as lost luggage, medical emergencies, and trip cancellations. Health insurance covers doctor visits, hospital stays, and prescription drugs.

Here is a table that summarizes the key differences between travel insurance and health insurance:


health insurance vs medical insurance


Here is a more precise version of the text:

Travel insurance and health insurance serve different purposes. Travel insurance covers unexpected travel expenses, such as trip cancellation, lost luggage, medical emergencies, and other benefits. On the other hand, health insurance covers doctor visits, hospital stays, prescription drugs, and additional medical costs.

Travel insurance typically covers short-term trips that last up to six months, while health insurance typically covers long-term periods that last for a year or more. Travel insurance can be purchased online from travel insurance companies and insurance brokers. Health insurance is usually purchased through employers or the individual marketplace.

Travel and health insurance costs vary depending on coverage, destination and individual health.

It is advisable for anyone who is travelling, especially if they are travelling internationally, to have travel insurance. Similarly, health insurance is crucial for securing access to affordable healthcare. If you are uncertain whether you require travel or health insurance, it is recommended to seek the guidance of an insurance agent or broker. If you need help evaluating your requirements and finding the right insurance policies, they can provide support and guidance in selecting the appropriate coverage.


Why is medical insurance important for study-abroad students?

Medical insurance is essential for study-abroad students for several reasons:

  • To protect against the high cost of medical care in many countries. The cost of healthcare can significantly differ across countries, and in some, it can be costly. For instance, the average hospital stay in the United States is over $10,000. If students don’t have medical insurance, they might have to bear these expenses themselves.
  • To ensure access to quality healthcare. Healthcare quality may be lower in some countries than in the student’s home country. Therefore, having medical insurance is crucial for students to access quality healthcare anywhere.
  • To comply with visa requirements. Many countries often require international students to have medical insurance.
  • To provide peace of mind. Medical insurance coverage can give you peace of mind, allowing you to focus on your studies and enjoy your study abroad experience.

Here are some specific examples of how medical insurance can help study-abroad students:

  • If a student becomes sick or injured while studying abroad, their medical insurance can help cover the cost of hospital stays, prescription drugs, doctor visits, and other related medical expenses.
  • If a student requires evacuation to their home country for medical reasons, medical insurance can assist in covering the transportation expenses.
  • If a student has an already pre-existing medical condition, it is essential to have medical insurance to cover the cost of managing that condition while studying abroad.
  • If a student requires mental health treatment while studying abroad, their medical insurance may cover the cost of therapy.

Medical insurance is crucial for a study abroad experience. It provides financial protection, quality healthcare, and visa compliance.


How do students choose a medical insurance plan for study abroad?

When choosing a medical insurance plan for study abroad, students should consider the following factors:

  • Coverage: It is essential for students to carefully review their medical insurance plan and ensure it covers any medical expenses they may likely incur. Students with pre-existing medical conditions must ensure the plan covers their medical needs. Also, students should consider whether the plan covers dental, vision, and mental health care.
  • Cost: When selecting a health insurance plan, students should compare the cost of different options and not simply opt for the cheapest one available. It is crucial to consider the amount of coverage needed and ensure that the chosen plan offers adequate protection at an affordable price.
  • Reputation: Students should select a plan from a reliable insurance provider and research reviews to gauge the experiences of other students.
  • Network: Students should verify if their plan has in-network providers available in their study location, making it easier to find doctors and hospitals that accept their plan.
  • Deductible and out-of-pocket maximum: Students should consider each plan’s deductible and out-of-pocket maximum. The deductible is the amount that a student must pay before the insurance company covers medical expenses. The out-of-pocket maximum is the most the student will pay for medical expenses in a year.

Here are some additional tips for choosing a medical insurance plan for study abroad:

  • Start shopping for a plan early. It will give you more time to compare different plans and choose the best one for your needs.
  • Read the fine print. Before signing up, ensure you clearly understand the terms and conditions of the plan. It is essential to ensure that you know all the rules and regulations before committing to the plan.
  • Ask questions. If you have any queries about a plan, it is recommended to contact the insurance company directly.


Where can students buy medical insurance for study abroad?

Students can buy medical insurance for study abroad from a variety of sources, including:

  • Their university or college: Study-abroad students can often purchase medical insurance plans tailored to their institution’s needs.
  • Private insurance companies:  Study-abroad students can compare medical insurance plans offered by private companies online or through brokers.
  • Government-sponsored programs: International students may be eligible for government-sponsored medical insurance. Students should check with their embassy or consulate to confirm eligibility.

In addition, some travel insurance companies also offer medical insurance plans for study-abroad students. Students should compare plans from different companies to find the best one for their needs.



When studying abroad, it is crucial to have medical insurance that offers the necessary coverage at an affordable price. By carefully comparing different plans, students can make an informed decision. Unimoni’s health insurance covers you for various medical expenses, including doctor visits, hospital stays, and prescription drugs. Our travel insurance plans cover multiple unexpected costs while travelling, such as lost luggage, medical emergencies, and trip cancellations.

Visit the Unimoni website today and learn more about Unimoni’s health and travel insurance plans for study-abroad students. Get a quote and apply for coverage today!

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