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International Student Insurance
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Need for International Student Insurance
Canada is renowned for offering premium quality education and technologically advanced teaching methods. More than 50,000 foreign students come to Canada for education purposes. International students come to Canada without any safety cover when it comes to medical emergencies. Medical facilities in Canada are quite expensive as compared to other countries and government insurance plans do not cover foreign students.
In new circumstances, new environments and pressure to gel in, the possibility of getting sick increases. Without any insurance cover, medical bills can become a huge burden. International Student Insurance saves students from any such trouble and helps them to focus on their studies.
To ensure the financial safety of International Students, the Canadian government has made International Student Insurance mandatory at the time of arrival.
International Student Insurance is for You If
- You have enrolled in a full-time education program in an affiliated Canadian University/ Institution.
- You are not a Canadian citizen or permanent resident of Canada.
- No provincial or territorial insurance plan covers you.
- You need to increase your stay in Canada to continue your research or work in your study area.
- You need insurance cover for your life partner or a family member.
Important Things to Know About International Student Insurance
- Insurance coverage varies from one Canadian province to another.
- For provinces other than Ontario and Yukon, you need to get insured under a provincial program designed especially for International Students.
- In Ontario and Yukon, International students have to get enrol with University Health Insurance Plan (UHIP) or purchase International Student Insurance from private insurance providers.
- Coverage offered by International Student Insurance is different compared to other available types of insurance for foreigners.
- The coverage offered is more detailed and designed focusing on the needs of students coming from different countries and environmental conditions.
Details about Coverage Offered by International Student Insurance
- Medical emergencies are covered.
- Ambulance service
- Hospitalization includes the cost of prescribed medicine, nursing fees, meals etc.
- You can get coverage up to $5,000,000/-.
- Treatment costs for diseases are also covered.
- The cost of prescribed medication is covered.
- Dental service in case of emergency is covered.
- Coverage is given for Vision care and Ear related services.
- The cost of purchasing doctor-prescribed optical and hearing devices is covered.
- The policy provides accidental death benefits.
- The consultation fee of physicians is covered.
- Health check-ups are covered.
- Disability or acute injury is covered.
- If you need to undergo any therapy for the recovery process like physiotherapy, counselling etc. then the cost of the same is covered.
- Air journey or transportation in case of emergency to your homeland is also covered.
- Some policies cover the travel cost of family members as well.
- If you have pre-existing medical issues then they can be covered depending upon the terms and conditions of the purchased policy.
- You will be covered while you travel to the USA but it is limited to an initial 30 days only.
The cost of student insurance will depend upon your lifestyle, medical history, the coverage you choose and the deductible option. Premiums are affordable and save you from any type of financial burden because of medical expenses.
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