Should int'l students sign up for private health insurance?

国际学生是否应该注册购买个人医疗保险?

作者:Study International Staff     来源:studyinternational     阅读模式:只看译文

Are you about to study abroad? If you’re all set to embark on a new chapter of your student journey, here’s an essential question: do you have health insurance? Health insurance for students studying abroad is essential, yet many don’t realise it. It ensures you receive quality health care without having to pay for most of the healthcare services. Healthcare, especially in other countries, can be extremely expensive. Many uninsured students don’t realise this — and it has led to them being forced to cover excessive medical bills. While getting health insurance is typically part of your visa requirements, should you get additional coverage while abroad? Many may not consider doing so for several reasons: to save money, they deem it unnecessary, or their universities don’t require it, to name a few. Additional health insurance for students: Is it really necessary? Here’s one reason you should get health insurance: medical security. It’s hard to predict what happens abroad — you may get injured and require medical attention. That’s not all — most countries require their international students to have health insurance for entry into the country. This includes the UK, Canada, Australia, South Africa, China, Japan and more. Having said that, mandatory health insurance may not always be sufficient as it typically offers limited medical coverage, depending on the health insurance plan obtained. The UK’s National Health Service (NHS) cover, for example, only offers free-of-charge services for the following: Consulting your GP Hospital treatment in accident or emergency services Hospital treatment recommended by your GP Maternity services Contraceptive services Students must still pay for prescribed medicine, travel vaccinations, dental and optical treatments, and specialist treatments. Meanwhile, those studying in the UK for less than six months are not covered by the NHS — they are only encouraged to obtain private health insurance. On the other hand, the US does not require F-1 visa holders to obtain health insurance, although many American universities have it as their requirement for enrolment. So, if you’re registered for insurance under the national healthcare system, read through the policy to ensure that you’re getting adequate healthcare coverage. Health insurance for students: Isn’t my existing insurance policy back home enough? Unfortunately, most local insurance policies only grant you benefits within your home country. This means that whatever happens to you outside of your home country may not be covered by your existing insurance provider. It’s best to check with your current insurance provider if your policy covers you when you study abroad. Many insurance providers — both local and international — offer health insurance policies for students at discounted prices. Should I get additional healthcare coverage? Now Health recommends international students in the UK sign up for private health insurance, even if they are already covered by NHS. This is because additional cover lets you receive the right level of care during your stay. It provides access to private healthcare providers and covers specialist treatment and dental care. Additionally, in some countries, their public healthcare system may not be the best — some may have long waiting times, and the quality of their healthcare and facilities may or may not be advanced. Before signing up for private health insurance, check what your current plan covers. This way, you’ll have a clear idea of the coverage you’ll need for your private insurance policy. Ultimately, health insurance for students is important. Having one with good coverage will give you a peace of mind. Most importantly, it may seem that you’re burning a hole in your wallet right, but what many international students have learned the hard way is that it’s better to be safe than sorry!

你即将出国留学吗?如果你准备开始你求学旅程的新篇章,这里有一个重要问题:你有医疗保险吗?
在国外学习的学生的医疗保险是必不可少的,但许多人没有意识到这一点。它将确保你获得高质量的医疗服务,而不必为大多数医疗保健项目付费。
医疗服务,尤其是在一些国家,可能非常昂贵。但许多无保险的学生没有意识到这一点,这使他们不得不支付巨额的医疗费用。
虽然购买健康保险通常是你取得签证要求的一部分,但你在国外应不应该购买额外的保险?
许多人因为某些原因没有考虑这样做,举几个例子:省钱,他们认为没有必要,或者他们的大学不要求。
学生额外医疗保险:真的有必要吗?
你应该买医疗保险的一个理由是:医疗保障。你很难预测国外会发生什么–你可能会受伤,需要医疗护理。
这还不是全部的原因–大多数国家要求他们的国际学生在入境时有医疗保险,包括英国、加拿大、澳大利亚、南非、中国、日本等过。
话虽如此,强制性医疗保险经常无法满足学生的需求,因为它通常只提供有限的医疗保障,而这取决于学生获得的医疗保险计划。
例如,英国国家卫生服务体系(NHS)只提供以下免费服务:
咨询全科医生
医院治疗中的意外或急救服务
全科医生建议的医院治疗
产科服务
避孕服务
学生仍然需要支付处方药物、旅行疫苗接种、牙科和眼科治疗以及专家治疗的费用。
与此同时,那些在英国学习不到六个月的人不受国民保健制度的保护–只有他们被鼓励购买私人医疗保险。
另一方面,美国不要求F-1签证持有者购买保险,尽管许多美国大学将其作为入学要求。
因此,如果你注册了国家医疗保健系统的保险,你最好通读政策,以确保你能够得到足够的医疗保障。
学生医疗保险:我在国内现有的保单还不够吗?
不幸的是,大多数当地保险单只在你的祖国范围内提供福利,这意味着,在祖国之外,无论你身上发生什么事情,都可能不包含在你现有的保险公司涵盖范围内。
当你出国留学时,你最好向目前的保险公司核实你的保单是否涵盖目标国。许多本地和国际的保险公司都以折扣价为学生提供医疗保险。
我需要额外的医疗保险吗?
现在英国卫生部建议在英国的国际学生,即使已经被国民医疗保险制度覆盖,也要注册私人医疗保险。
这是因为额外的保险让学生在逗留期间获得适当的护理水平。它提供私人诊所和医疗机构机会,并涵盖专家治疗和牙科保健。
此外,在一些国家,他们的公共医疗保健系统可能不是最好的–在一些国家,在获得医疗服务之前,你可能需要等待有很长时间,并且他们的医疗保健和设施的质量可能是一流的,也可能很糟糕。
在注册私人医疗保险之前,检查一下你目前的保险计划涵盖了什么。这样,你就可以清楚地了解你的私人保险单所需的承保范围。
归根结底,学生的医疗保险很重要。有一个好的承保范围会让你安心。最重要的是,现在你似乎在钱包里烧了一个洞,但许多国际学生通过艰难的经历学到的教训是,安全总比遗憾好!