Your Study Abroad Guide: Student Health Insurance, Safety, Well-Being, and More​ ​

Unexpected things can happen when you're far from home, and that's where having reliable health insurance comes in. It acts as a safety net, protecting you from unexpected medical expenses and providing peace of mind during your studies. Whether it's a minor illness, an unforeseen accident, or a more serious medical condition, health insurance can alleviate the financial burden and ensure you have access to quality healthcare when you need it most. 

In fact, many countries require international students to have health insurance as part of their visa requirements. For example, to get a UK student visa, you'll need to pay for healthcare upfront as part of your immigration application. The amount you pay depends on how long your visa is and where you're applying from. If you don't pay this healthcare surcharge on time, your visa application could be refused. So, before you finalise your travel plans, be sure to check the specific health insurance requirements for your study destination. 

Types of Health Insurance Plans 

There are various types of health insurance plans available to students looking to study overseas, each with different levels of coverage and benefits. When selecting a plan, it's important to consider your individual needs and the potential health risks you might face in your host country. Here are some key factors to keep in mind: 

• Coverage for pre-existing conditions: If you have any pre-existing medical conditions, you’ll want to ensure the plan provides adequate coverage for those conditions. Some plans may exclude or limit coverage for pre-existing conditions, so it's important to read the policy details carefully and choose a plan that meets your specific needs. 

• Repatriation coverage: This type of coverage can be invaluable in case of a medical emergency that requires you to return to your home country for extensive treatment or long-term care. Repatriation coverage can help with the costs of medical evacuation, transportation, and other related expenses, providing financial protection and peace of mind during a difficult situation. 

• Mental health coverage: Prioritising mental health is crucial, especially when adjusting to a new and challenging environment. Studying overseas can be exciting, but it can also be stressful and emotionally demanding. Ensure your chosen plan includes coverage for mental health services, such as counselling or therapy, to support your well-being throughout your journey. 

• Sports and adventure activities coverage: If you're planning on participating in any sports or adventure activities during your study abroad experience, ensure your insurance covers potential injuries or medical emergencies related to those activities. This is particularly important if you're planning to engage in activities that carry a higher risk of injury, such as skiing, snowboarding, or hiking. 

Choosing the right health insurance plan can make a significant difference in your experience studying abroad. Take the time to research your options, compare different plans, and select the one that best suits your individual needs and circumstances. 

Vaccinations and immunisations 

Before you depart, it's essential to ensure you're up to date on your vaccinations and have received any necessary immunisations. Vaccination requirements can vary depending on your destination and country of origin. For instance, Australian student visa applications may require you to provide a valid polio vaccination certificate if you're travelling from or have spent time in a country considered at risk for polio. 

To ensure you meet all the necessary health requirements, consult a travel clinic or your healthcare provider well in advance of your trip. They can provide personalised advice on recommended vaccinations and any additional immunisations you might need based on your health history and the specific health risks of your destination. 

Don't forget to confirm that your routine vaccinations, such as those for tetanus, measles, mumps, and rubella, are also up to date. Taking these preventive measures will safeguard your health and allow you to fully enjoy your study abroad experience. 

Medications and prescriptions 

If you take any regular medications, including prescription drugs, careful planning is essential to ensure you have an adequate supply for the duration of your stay abroad. Be sure to pack enough medication to last your entire trip, plus a little extra in case of unforeseen delays or emergencies. 

To avoid any complications at customs or with local authorities, carry a doctor's note or prescription for your medications, especially if they contain controlled substances. This documentation can help prevent misunderstandings and ensure a smooth entry into your host country.

It's also crucial to research the specific regulations regarding medications and prescriptions in your host country to ensure compliance with local laws. You can typically find this information on official government websites or by contacting the embassy or consulate of your host country. 

Preparing for your study abroad journey involves not only securing the mandatory documents and fulfilling visa requirements but also ensuring your health, safety, and well-being are well taken care of. As a global leader with specialised overseas education placement consultants, IDP provides free comprehensive support and guidance throughout the process. We offer students essential services to help you better understand the intricacies of insurance, vaccinations, and other health-related requirements, making your student visa application a smooth and efficient one. 

So, if you're ready to take the leap and study overseas, book a free counselling session with IDP today.  We'll help you sort out all the details, so you can focus on the exciting adventure ahead!