EXCLUSIONS IN MEDICAL INSURANCE FOR INTERNATIONAL STUDENTS
Meritorious students can easily avail themselves of various scholarships and quality international education these days. But when faced with urgent medical emergencies on foreign soil, what would they do? Why, avail themselves of the insurance for international student, of course!
Insurance for international students policy is ideal for international students who live in a regulated budget. This insurance policy conditionally remits all medical expenditures incurred by a student during the overseas studentship tenure. However, the overseas student is granted the profitable insurance cover only if the claim adheres to certain exclusionary clauses.
The policy covers Pre-existing medical conditions, provided the company is supported 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 international 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 international student insurance coverage.
Expenses incurred from unnecessary medical treatments, like cosmetic and beautification surgeries are not eligible for insurance cover. Financial benefits of the international student insurance policy are also excluded to treatments taken for scientific research and experiment. Expenditure incurred durig availing treatment without a doctor’s prescription is not remitted by the insurance policy. So, avoid consulting quacks or indulging in self-treatments.
Injuries sustained during war, civil unrest and acts of terrorism are not covered by the international student insurance. Expenditures incurred from treating injuries received while indulging in illegal or criminal activities are not covered by the policy. Medical treatments needed for drug, narcotic and substance abuse are also not covered by the insurance policy.
The student is required to bear the expenditure incurred for treatments incorporating alternative/ traditional/ experimental medication. The benefits of the insurance policy are also inapplicable to sensory therapeutics like aromatherapy and music therapy. Periodic medical examinations, not related to any particular illness/ ailment, are not covered by the international student insurance policy.
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 insurance.
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