AEMS Overseas

Student Health Insurance

Most countries and/or Universities require students to be insured.

Insurance would cover for your hospital expenses like Doctor visits, appointments, hospitalisation( in case of an injury or sickness), medicines etc.

Just getting sick while studying abroad might burn a hole in your pocket if you haven’t chosen your health insurance plan with due diligence.

Always remember Travel insurance is different from Health insurance.

Every country has numerous companies offering health covers – government or private.

For a step by step procedure enrol with AEMS and make it a breeze.


In the US, you can choose to find your own insurance provider or your university might have a group enrollment( which might be mandatory).

The plan may cover any pre existing conditions, mental health, or if you plan to participate in sports competitions the plan may cover the injuries too.

Always make an informed decision.

An insurance for a year in the US might cost you 35 to 200 USD per month among the popular plans.


Canada boasts of amazing healthcare facilities. The canadian citizens and the Permanent residents are covered under provincial healthcare facility. A few provinces even cover the international students in the provincial health insurance plans. But it is of course limited. Regardless, your university might offer you their insurance packages which might be mandatory or as per your choice(provided that you can prove you’re receiving insurance from a private facility).

Provinces offering health coverage to international students are :

  1. Alberta
  2. British Columbia
  3. Manitoba
  4. Newfoundland
  5. Labrador
  6. Northwest territories
  7. Saskatchewan

If you are an international student in Ontario it is mandatory to avail the University Health Insurance Program (UHIP).


Australia has a special plan in place for international students called the Overseas Student Health Cover (OSHC).

Your institute may purchase OSHC on your behalf and charge a premium. Be sure to confirm with your institute.

Insurers offering OSHC:

  • Australian Health Management
  • BUPA Australia
  • Medibank Private
  • Allianz Global Assistance (subcontracted by Lysaght Peoplecare)
  • Nib

While the cost of insurance depends on the kind of plan you avail, a basic plan will cost you 438 AUD per year.


UK’s healthcare system – National Healthcare System(NHS) – is the most renowned. If you have a Tier 4 General Student Visa applicable for more than 6 months you have access to the NHS. You will enjoy the same perks as the general citizens there do. NHS access gives you free access GP (General Practitioner) visits, office visits, emergency treatment, psychiatric treatment, and more. The cost depends on the duration for which your visa is issued. For an year it will cost you 470 Euros.


Like the UK, NZ too has a robust and subsidised healthcare system but international students from most countries do not have access to it.

An acceptable insurance policy is one which complies with the insurance requirements of the Code of Practice for the Pastoral Care of International Students and is acceptable to the student’s education provider.

International student health insurance requirement
The New Zealand government’s Education (Pastoral Care of International Students) Code of Practice 2016 requires all international students to have appropriate health and travel insurance during their period of study.

If you have a New Zealand Government scholarship, your insurance is covered while studying. If you are not a New Zealand citizen or a Permanent Resident, you must have student health insurance.

Some education providers require all enrolled international students to have approved health and travel insurance for the duration of enrolment (regardless of the visa type).

A student visa holder is also required to have approved health and travel insurance for the length of the visa or until they depart New Zealand, whichever comes first.

The standard insurance policy includes:

  • Medical and related expenses
  • Optical and emergency dental
  • Repatriation and travel disruption
  • Luggage
  • Personal effects
  • Travel documents
  • Money and credit cards
  • Personal liability

Some schools prefer one insurance company than others. However, you can buy any international student health insurance provided by the following New Zealand companies:

  • Studentsafe
  • Uni-Care Ltd
  • Southern Cross Travel Insurance – StudentMax Plan
  • OrbitProtect – Prime Plan

New Zealand Government allows you to purchase medical insurance from your country. If you do so, the policy should be in English so that your school can benchmark with the requirements. However, I strongly advise you not to buy from your country to avoid unnecessary trouble.

Pre-existing conditions

A pre-existing condition is any condition that was diagnosed in the past and you already knew.

If you have the Pre-existing conditions, you need to declare and pay extra fees if required. If you choose not to tell, they might not reimburse the medical expenses when they find out.

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