International Health Insurance for Students
Expatriate Group has been providing international health insurance for students for years. We have the knowledge and expertise to ensure you get the right healthcare while you study abroad.
Study Abroad
Health insurance for international students
When you study abroad, international health insurance can give you the peace of mind that your healthcare needs will be covered, so you can focus on your studies.
Our health insurance for international students provides a range of benefits and extra features so you can find the perfect solution for your healthcare requirements while you study overseas.
What is international student health insurance?
International student health insurance gives individuals studying abroad cover for their health and medical needs. With Expatriate Group, you’ll have access to private healthcare services for your day-to-day healthcare as well as any emergency treatment you need while you’re overseas.
Our medical insurance for international students gives you immediate cover and 24/7 support, with convenient healthcare that suits your requirements.
Do I need health insurance for international students?
International students typically stay and study abroad temporarily. This means they generally don’t qualify for universal healthcare services abroad. In addition, in some countries and universities, it’s part of the visa or entry requirements for international students to have health insurance.
Even in countries where health insurance is not mandatory for international students, it can be a benefit. Without it, students can face costly medical costs and fees, either for their routine treatments or an unexpected healthcare need. Some countries might offer free healthcare for students, but it can be lower quality and often comes with long wait times for treatment.
Expatriate Group can give you convenience, flexibility, and peace of mind with comprehensive international student health insurance. With us, you won’t have to worry about expensive medical fees or long wait times for your vital healthcare.
Why choose us
Why choose Expatriate Group for your international student health insurance?
Expatriate Group is an expert in international healthcare. We work with trusted partners overseas to ensure you have access to quality healthcare while you study abroad, and we have the knowledge to ensure you can get the treatment you need when you need it.
Our emergency helpline is available 24 hours a day, seven days a week, 365 days a year. You can contact us by phone, email, or our online chat service and we can offer multilingual support, even in emergency situations.
Some international health insurance providers operate a compulsory hospital network. But Expatriate Group does not, meaning you have flexibility to attend hospitals and clinics that are convenient for you, perhaps that are close to campus or offer specific treatment you need.
Policy Benefits
Benefits of health insurance for international students
Studying abroad can be hugely rewarding and we know your health will still be a priority while you’re learning. Whether it’s routine care, an emergency, or an unexpected medical situation, our health insurance for international students will ensure you get the right healthcare when you need it.
The benefits of our medical insurance for international students include:
Emergency
medical transportation
Ensuring you reach the nearest appropriate medical facility
Emergency
dental treatment
Included on all our insurance plans, with routine care included on the Select plan
Compassionate
travel
Contribution to travel costs so a family member can be with you if you have to stay in hospital
GP consultations
Consultation fees are included as standard across all our plans, including outpatient surgeries
Diagnostic
tests
Including MRIs and CAT scans
Psychiatric
care
Including 10 psychiatric sessions on our Select and Primary+ plans
Insurance plans
International health insurance plans for students
We know that every individual is different, with different healthcare requirements. We’ve devised four health insurance plans for international students, giving you flexibility to choose the best cover for your needs.
Select
- Comprehensive plan
- Psychiatric care
- Dental care
- Optical care
Primary+
- Hospital care
- Outpatient care
- Emergency dental
- Diagnostic tests
Primary+ Lite
- Hospital care
- Prescribed medicine
- Emergency transportations
- Emergency dental treatment
Primary
- Hospital treatment
- Doctor and specialist fees
- Outpatient surgeries
- Prescriptions and drugs
Which international health insurance plan is best for students?
Select is the best international student health insurance plan for comprehensive outpatient, mental health and routine dental cover, while Primary+ Lite suits students who want essential hospital and prescribed medicine cover at the lowest annual maximum.
| Criteria | Select | Primary+ | Primary+ Lite | Primary |
| Best for | Comprehensive outpatient & mental health cover | Outpatient diagnostics, mid-tier max | Essential hospital cover | Core hospital & prescriptions |
| Annual maximum | £5,000,000 | £1,500,000 | £1,000,000 | £1,000,000 |
| Outpatient diagnostics & physiotherapy | Included, up to 20 physio sessions | Included, up to 10 physio sessions | 10 physio sessions, no diagnostics | Not included |
| Outpatient mental health support | 10 sessions / £3,000 | 10 sessions / £3,000 | Not included | Not included |
| Routine dental & optical care | Included (£750–£1,000 dental, £150 optical) | Not included | Not included | Not included |
| Multi-currency (£/€/$) | Yes | Yes | Yes | Yes |
The Select plan includes outpatient diagnostics, up to 20 physiotherapy sessions, 10 sessions of mental health support (up to £3,000) and routine dental and optical care – a comprehensive package for students settling into study abroad long-term.
Primary+ also includes mental health and diagnostic cover, but caps physiotherapy at 10 sessions and does not include routine dental/optical care, at a lower annual maximum (£1,500,000). Primary+ Lite covers hospital treatment, prescribed medicine and up to 10 physiotherapy sessions without diagnostics or mental health support – the more affordable of the two mid-tier plans.
Policy Benefits
The Benefit Schedule
Below is a summary of the benefits included in each of the four international healthcare insurance plans. For more information get in touch with Expatriate Group today.
|
|
|
|
|
|---|---|---|---|---|
| Income Replacement | ||||
| Accidental Death and Permanent Total Disability† | $/€/£100,000 | |||
| † For Terms and Conditions see separate PAI Policy Wording | ||||
| Hospital Benefits | ||||
| Annual Aggregate Maximum | $/€/£5,000,000 | $/€/£1,500,000 | €/£/$1,000,000 | $/€/£1,000,000 |
| Private Hospital Bed |  |
 |
 |
 |
| Surgeries, Anaesthetists’ fees, Operating Theatre, Specialist, Physician and Nursing Fees, Intensive Care. | |
|
|
|
| Prescribed Medicine and Drugs | |
|
|
|
| Diagnostic Tests and Procedures (including MRI, CAT, PET) | |
|
|
|
| Oncology/Cancer Treatment | |
|
|
|
| Psychiatric | 30 days | 30 days | 30 days | 30 days |
| Home Nursing (following hospitalisation) | 30 days | 30 days | 30 days | 30 days |
| Hospital Cash Benefit | $/€/£150 per night | $/€/£100 per night | $/€/£100 per night | $/€/£75 per night |
| Rehabilitation (following hospitalisation) | $/€/£2,000 | $/€/£2,000 | $/€/£2,000 | $/€/£2,000 |
| Parent Accommodation | |
|
|
|
| Second Opinion for Surgery | |
|
|
|
| Organ Transplant | $/€/£300,000 | $/€/£150,000 | $/€/£150,000 | $/€/£100,000 |
| Outpatient & GP Benefits | ||||
| Family doctor, GP, Specialist and Physician consultations fees; including outpatient surgeries | |
|
|
|
| Prescribed Medicine and Drugs | |
|
Outpatient benefits capped at €/£/$1000 | for pre-hospitalisation and then for 60 days following a valid hospitalisation |
| Diagnostic Tests and Procedures (including MRI, CAT, PET) | |
|
||
| Physiotherapy & Alternative Medicine | 20 sessions | 10 sessions | 10 sessions | |
| Management of Chronic Conditions | $/€/£100,000 | $/€/£20,000 | ||
| Oncology/Cancer Treatment | |
|
|
|
| Psychiatric | 10 sessions/$/€/£3,000 | 10 sessions/$/€/£3,000 | ||
| Assistance Services & Special Benefits | ||||
| Emergency Medical Transportation | |
|
|
|
| Local Ambulance | |
|
|
|
| Expenses for accompanying Dependent | ||||
| Travel | |
|
|
|
| Accommodation & Subsistence | $/€/£150 per day | $/€/£100 per day | $/€/£100 per day | $/€/£75 per day |
| Repatriation of Mortal Remains | $/€/£10,000 | $/€/£5,000 | $/€/£5,000 | $/€/£5,000 |
| Compassionate Travel | |
|
|
|
| Family Compassionate Travel | $/€/£250 | $/€/£250 | $/€/£250 | $/€/£250 |
| Terminal & Palliative Care | $/€/£30,000 | $/€/£20,000 | $/€/£20,000 | $/€/£15,000 |
| HIV, AIDS & ARCS | $/€/£50,000 (lifetime) | $/€/£50,000 (lifetime) | $/€/£50,000 (lifetime) | |
| Maternity Care | ||||
| Complications of Pregnancy | 100% | $/€/£5,000 | $/€/£5,000 | |
| Normal Delivery | $/€/£7,500* | |||
| Elective Caesarean Operation | $/€/£7,500* | |||
| Non-elective Caesarean Operation | $/€/£7,500* | |||
| Home Delivery | $/€/£7,500* | |||
| Home Nursing following Home Delivery | 5 days* | |||
| New Born Care | $/€/£25,000* | |||
| * = Excludes costs incurred in first 12 months | ||||
| Dental Care | ||||
| Accidental Emergency Dental Treatment | |
|
|
|
| Routine Dental Treatment | $/€/£750 | |||
| Basic Restorative Dental Treatment | $/€/£750 | |||
| Major Restorative Dental Treatment | $/€/£1,000 | |||
| Dental benefits (except Accidental) are subject to a 20% co-pay | ||||
| Optical Care | ||||
| Examinations & Lenses (inc. contact lenses) | $/€/£150 | |||
| Preventative Care | ||||
| Annual Medical Check-up | $/€/£ 300 | $/€/£ 250 | ||
| Travel Vaccinations | |
|||
| Cervical Smears | |
|||
| Mammograms | |
|||
| Prostate Cancer Screening | |
|||
| = 100% refund to policy annual maximum aggregate, * = Excludes costs incurred in first 12 months |
||||
Our Partners
Get more info
Expat Insights
Featured In
