International student medical insurance policy coverage

Make sure your health doesn't stand in the way of getting the most from your stay abroad.

More and more young people are traveling abroad for long periods to learn languages, work or study with an Erasmus grant. In fact, according to data provided by the European Union for 2017, around 40,000 Spanish university students used it to study or do an internship; and the figure continues to rise. 

On top of this, you have to add all the trips by students who travel outside Spain to take shorter courses or to do internships in foreign companies. 

Your health is the most important thing. For this reason, before the trip you should get all the information you can on the condition of the healthcare system in the destination country and how it works, and take out an international medical insurance policy for students that includes the coverage needed to be protected. 

Most countries don't require visitors to have medical insurance. But there are exceptions. Check all the information on the website of the Ministry of Foreign Affairs, which recommends that travelers take out medical insurance when traveling abroad to make sure they are protected and covered if they get injured or sick during the trip, including evacuation by a medical plane.

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Basic cover

Having health insurance won't prevent an accident or an unforeseen event from happening, but if it does, it won't sink your finances. If you're weighing your options before purchasing international medical insurance for students, here are some of the coverage options that can get you out of a jam in the event of an illness or accident outside Spain: 

  • Medical, surgical, pharmaceutical and hospitalization expenses. 
  • Primary and specialized care consultations. 
  • Transfers to the hospital. 
  • Transfers or repatriation of patients. 
  • Dispatch of medication. 
  • telephone emotional support hotline or translation service. 
  • Dental expenses.

If traveling to a country in the European Union

If traveling in Europe, you can request a European Health Insurance Card so you can be covered in every European Union country. Please note that the EHIC does not guarantee totally free health care. In some cases, you may have to pay the amount on the spot, although it will be reimbursed upon your return. 

Don't forget that with the EHIC, you can only go to certain centers, and also that it will not cover costs involving repatriation, ambulance or patient transfers to the centre. 

With the European Health Insurance Card, Spanish citizens have access to public healthcare under the same conditions as nationals in the following countries: Austria, Belgium, Bulgaria, Cyprus, Croatia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Slovakia, Slovenia, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Netherlands, Poland, Portugal, the Czech Republic, Romania, Sweden, Switzerland and the United Kingdom.

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If your destination is outside Europe

Outside the scope of the European Health Insurance Card, you should take out a travel insurance policy that will cover large medical expenses. 

If you're going to study in the United States, you should take out a health insurance policy that covers your entire stay. Keep in mind that a medical consultation costs more than 140 euros and a one-night hospital stay can be around 9,000 euros. 

The most common coverage is for an illness, emergency, accident and repatriation. It's important to verify the minimum coverage required by the school where you are going to study. 

Another aspect to consider is the coverage amount, which depends on the destination. If traveling to the United States, a country with high health costs, it should be higher than, for example, if traveling to France where they are lower. 

Ideally, you should weigh all your options and choose the one that best protects you against any type of emergency that comes up during your stay abroad. 

Whatever your destination, if you already have BBVA Más Salud Insurance, you can add the Students Supplement, which offers medical coverage in the event of an emergency or sudden illness, repatriation, as well as specific coverage for students with a compensation of up to €1,000 for lost classes or registration fees in the event of an accident or illness, payment for a new trip in the event of repatriation and accident insurance in the event of death or permanent disability. 

The cost of this supplement is €40 per month per insured person in Europe, or €70 per month per insured person in the rest of the world, which will be added to the main bill for your policy. 

If you know what medical insurance for students abroad you need, you are ready to travel worry-free and enjoy the experience to the fullest.

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