Risks Not Covered Under International Students Insurance
Overseas education and scholarships no longer remain mere dreams for ambitious students now. But what happens to you, when you need urgent medical attention in foreign shores? You will need the insurance for international student, of course!
This insurance policy conditionally defrays all medical expenditures that a student might incur while studying overseas. A student is entitled to financial benefits only if his condition doesn?t violate some overriding exclusionary clauses. A Pre-existing condition, is one which required medical attention in the look back period, which could vary from 6-24 months before the stipulated coverage begins. Pre-existing conditions are not excluded from coverage.
The policy covers Pre-existing medical conditions, provided the company is furnished with contextual medical details. A Pre-existing condition means a condition requiring medical attention in the look back period. This usually ranges from 6-24 months before the official insurance coverage tenure commences. Expenses incurred in medication/ treatment while in one?s native country is not covered by the student insurance policy.
To avail of the insurance cover, relevant medical documents must be provided to the insurance company within 3 months of treatment. Treatments which necessitated either an unjustifiably exorbitant expense or no expenditure are not covered by the policy. A medical treatment not prescribed by a practicing physician does not qualify to receive insurance for international students coverage.
To claim financial cover, a student must produce a physician?s certificate that officially prescribes the course of the treatment taken. Medical treatments undertaken to facilitate scientific or experimental study are not covered by the International student?s medical insurance
The insurance policy does not extend its financial cover to treat students who were injured while consciously violating the law. Injuries sustained in military or civil strife, or while pursuing activities detrimental to the state are not extended financial benefits by the policy. Injuries incurred in conscious violation of curfew or police prohibition orders are not granted financial cover for treatment.
You are also not advised to demand insurance cover for injuries sustained in pursuit of adventures sports. High risk sports automatically disqualify any insurance cover for medical expenses incurred. If such activities are likely, riders that cover sports and hazardous activities may be added on to some policies at the time of purchase.
The insurance cover does not apply to injuries sustained while pursuing high risk activities like adventure sports. Students who wish to engage in sports in hazardous environments are required to choose additional insurance policy coverage. These, effectively are some of the primary clauses that repudiate the International student medical insurance.
