What insurance do children need to buy to study in Singapore?

When choosing insurance, we must first judge which are the necessary protection functions. "Accidents with high frequency and large losses after the accident are the first consideration, including economic losses and threats to personal safety. In addition, it should also cover the basic security functions, including accidental death, injury, outpatient and emergency medical expenses, hospitalization medical expenses, medical transfer and return, and advance medical expenses.

Accident insurance and medical insurance are the most practical to buy locally, which is cheaper than buying in China.

Many parents who have bought insurance for studying abroad generally feel that accident insurance and medical insurance are the two most practical types of insurance. If foreign students unfortunately encounter accidents or sudden illness abroad, they will get cash compensation from the corresponding insurance companies, especially in some countries with high medical expenses, which will greatly reduce the cost burden of parents.

Some special needs and hobbies of children should also be taken into account in the process of purchasing accident insurance and medical insurance. For example, international students who especially like outdoor sports need to buy insurance plans that include high-risk sports; Foreign students who are prone to dental problems need to consider including dental protection.

Although foreign schools generally recommend or force local insurance plans to be purchased, the validity period of many insurances begins after entering school, and general international students will come to the school in advance to prepare for the start of school, so there will be a guarantee blank period. However, personal accidents are unpredictable. In order to avoid the risk of "blank period", it is best to buy short-term overseas travel insurance first and supplement the blank period according to the relevant provisions of insurance.

As accident insurance and travel insurance purchased by the school, which insurance company should I choose, domestic insurance company or overseas insurance company? This problem varies from person to person, but it is generally cheaper to buy insurance locally than overseas insurance at home. For parents whose foreign languages are not very good, it is better to spend more money to buy them home and avoid worries.

Insurance policies of countries studying abroad

The United States must buy medical insurance.

American law stipulates that international students must buy medical insurance, and the specific laws and regulations of each state have different requirements for the coverage of medical insurance. Universities also set minimum requirements for medical insurance for international students. General universities require international students to buy insurance when they enter school, and the insurance premium is included in the tuition fee.

In Britain, insurance is not compulsory.

One of Britain's national welfare is free medical service. Foreign students who have lived or studied in Britain for more than six months and their families or staff can enjoy free services from the national health system. When you see a doctor, you don't need to pay any fees as long as you show your card, but you need to pay for the prescription.

Tuition in Korea includes insurance.

When Korean students pay tuition fees after obtaining visas, the tuition fees already include accident insurance and medical insurance, and the school requires students to buy them.

Buy from Singapore Insurance School.

Students studying in Singapore will receive an approval letter from the Singapore Immigration Bureau after applying for studying abroad. This letter clearly States the expenses to be paid, including insurance premium. There is no need for international students to buy insurance separately before going abroad.

Australia and New Zealand buy local medical insurance.

Australia and New Zealand require applicants to purchase local medical insurance when applying for a visa. This kind of insurance includes reimbursement of basic medical expenses, but does not include glasses and dental expenses. Accident insurance is not compulsory. If students need it, they are advised to buy it abroad.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.