Overseas Health Insurance for Students
Studying abroad can be one of the most enriching experiences in a student’s life. But while you’re packing bags, filing visa papers, and dreaming about your new campus, there’s one crucial detail you shouldn’t overlook: overseas health insurance for students.
Importance of Overseas Health Insurance
This safety net protects you from unexpected medical expenses and ensures access to healthcare in a foreign land. Whether you’re heading to Germany for engineering or Australia for marine biology, a reliable health insurance plan is not just wise it’s often required.
Who Needs Overseas Health Insurance?
Overseas health insurance is essential for:
- International students attending full-degree or exchange programs
- Short-term language learners
- Participants in summer schools or internships abroad
- Study abroad students on exchange or partner programs
Even if your destination country offers public health services, access may be limited or not free for international students. Some universities won’t even finalize your enrollment without proof of valid insurance.
Travelling to and from the EU
Then choose Master Plan+ or Master Plan. These insurances provide full cover for medical expenses, which is necessary for visa application. Urgent dental expenses are covered for up to € 400 with the Master Plan.
The Master Plan+ dental covers up to € 750 including check-ups and dental cleaning. In addition, Master Plan+ covers pre-existing conditions. Are you staying within the EU and do you want some certainty? Then choose Master Plan or Master Plan+ as well.
Master Plan+
€ 1,87 per day more info
- Complete medical expenses
- All dental care
- Accidents
- Luggage
- Household goods and valuables
- Emergencies
- Private liability
- Legal aid
- Travel
Master Plan
€ 1,21 per day
- Extensive medical expenses
- Dental care (urgent and accidents only)
- Accidents
- Luggage
- Household goods and valuables
- Emergencies
- Private liability
- Legal aid
- Travel
Travelling within the EU
Are you going to Germany, Belgium or France and you already have a generous medical cover in your health insurance for abroad? Then it's best to choose the Basic or European Plan.
Are you travelling within the EU and have an EHIC? Then choose the more than comprehensive European Plan. This insurance supplements the medical expenses covered by your basic health insurance in the Europe. Urgent dental costs are also covered with this plan.
Basic Plan
€ 0,53 per day (no medical coverage)
- Accidents
- Luggage
- Household goods and valuables
- Emergencies
- Private liability
- Legal aid
European Plan
€ 0,83 per day
- Additional medical cover
- Accidents
- Luggage
- Household goods and valuables
- Emergencies
- Private liability
- Legal aid
Insure To Study Advantages
Are you going abroad to study, for an internship, or to do volunteer work? With Insure To Study’s study and internship insurance, you are properly insured during your travel and stay abroad.
Best choice
Are you going to a destination within the EU or travelling even further? We have the right insurance for every travel purpose.
Education institutions
Collective insurance for schools and universities.
Always available, day and night
Call +31 20 651 57 77 for the SOS International Helpline in case of emergencies, available 24/7.
Reliable partners
We work together with ANKER, A.S.R., HollandZorg and SOS International.
Tips for managing your health abroad
- Register with a local doctor or clinic as soon as you arrive.
- Use telemedicine apps for minor issues or follow-ups.
- Keep digital copies of prescriptions and ID.
- Stay active and hydrated—adjusting to new climates takes time.
- Be honest on your application—undisclosed conditions can void claims.
Watch the explanation video
Get your insurance in order before departure with Insure To Study
Take out your insurance simply and quickly and receive your pre-policy immediately.
Frequently asked questions about study or internship abroad insurance
Getting overseas health insurance for students isn’t just about ticking off a visa requirement—it’s about safeguarding your well-being while chasing academic dreams abroad. From navigating foreign hospitals to accessing emergency care, a reliable insurance plan lets you focus on what truly matters: learning, growing, and experiencing the world.
Is your question not listed here? Take a look at all of our frequently asked questions.
What's best travel insurance for students studying abroad?
When choosing the best travel insurance for students studying abroad, it’s essential to find a comprehensive policy that covers medical expenses, all dental care, emergency care, legal aid, etc. Masterplan+ stands out as an excellent choice specifically designed for international students.
Is overseas health insurance mandatory for student visas?
Yes, most countries require proof of health insurance to grant a student visa.
What cover is available for study, volunteering and internships abroad?
The insurance covers both volunteering and internships, provided they meet the policy conditions. The insurance includes cover for liability and medical expenses that you may incur during your work.
Do you have specific questions about your situation and if our insurance covers it? Please contact us for more information.
Are there any exceptions or limitations for specific covers?
Yes, every cover has certain exclusions and limitations. For example, there may be limits on reimbursements for luggage or specific medical expenses. Read the policy terms carefully so you know what is and is not covered.
Can I use travel insurance instead of student health insurance?
No, travel insurance is not a substitute. It usually doesn’t cover routine or long-term care.
How early should I buy health insurance?
Purchase it before your departure to ensure immediate coverage upon arrival.
Popular Destinations and Insurance Tips
- USA: Check if your university offers a waiver to use private insurance.
- UK: International students staying over 6 months get access to NHS with the Immigration Health Surcharge.
- Germany: Students under 30 are eligible for public coverage (TK, AOK).
- Australia: OSHC is mandatory and often bundled with your student visa.
How long does it take before my insurance is active after payment is completed?
Insurance is usually activated immediately after payment. You will get your pre-policy within 5 minutes of payment completion and your insurance card within 2 days. Make sure you check the exact start date when you take out the insurance. Then you can be sure you are properly insured from the moment you go abroad.
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