Discount Premium
Discounted Premium
Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
| Overseas Student Insurance Policy | Key Features | Premium |
|---|---|---|
| Starr SmarTrip Overseas Student Insurance (Credit) | Cover up to HK$1,000,000 medical expenses. No copayment or deductible required. Extend to cover leisure trips during term breaks. | HK$1,870 |
| Starr SmarTrip Overseas Student Insurance (Distinction) | Cover up to HK$1,500,000 medical expenses. No copayment or deductible required. Extend to cover leisure trips during term breaks. | HK$2,550 |
| Starr SmarTrip Overseas Student Insurance (High Distinction) | Cover up to HK$2,000,000 medical expenses. No copayment or deductible required. Extend to cover leisure trips during term breaks. | HK$4,250 |
| FWD Comprehensive Medical Overseas StudyCare Plan A (Asia) | Cover up to HK$2,000,000 medical expenses. | HK$4,675 |
| FWD Comprehensive Medical Overseas StudyCare Plan A (Worldwide) | Cover up to HK$2,000,000 medical expenses. | HK$6,800 |
| FWD Comprehensive Medical Overseas StudyCare Plan B (Worldwide) | Provide education funds and cover for leisure and amateur sports activities. | HK$4,250 |
| Zurich StudySmart Overseas Student Insurance Primary Plan (2-year) | Cover internship and study interruption | HK$3,850 |
| Overseas Student Insurance Policy | Travel Insurance | |
|---|---|---|
| Policy Period | Up to 2 years | Single trip travel insurance: up to 180 days Annual travel insurance: up to 90 days |
| Age Limit | 10-35 years old | 18-70 years old (6 weeks old for family package) |
| Coverage | Provide additional cover including study interruption and education fund in additional to basic coverage for travel insurance | Cover medical expenses, trip cancellation and personal liability |
| Suitable For | International or exchange students | Holidaymakers |
The main coverage of overseas student insurance policy is outlined below:
Paying higher insurance premiums doesn’t mean you are receiving more coverage than those who are paying less. It is worth spending time on comparison websites like MoneySmart when it comes to shopping around and going for a policy tailored to your needs the most.
If you are studying in a country that has a higher living standard, you should consider taking out a policy with a higher coverage amount to cover you for emergencies when studying overseas for a prolonged period.
Overseas student insurance policies provided by schools are less comprehensive than those available in the market. Therefore, it is wise to get additional cover by purchasing another overseas student insurance policy.
| Country | Mandatory Health Insurance | Coverage |
|---|---|---|
| United Kingdom | National Health Service (NHS) | In-patient medical expenses and hospitalisation fees in public clinics/ hospitals (excluding medication) |
| Australia | Overseas Student Health Cover (OSHC) | Right Column 2In-patient medical expenses and hospitalisation fees public clinics/ hospitals (including medication) |
| Japan | Statutory Health Insurance (SHI) | Cover 70% of medical expenses |
| Canada | Any overseas student insurance | Medical expenses and hospitalization fees |
| United States | Any overseas student insurance | Medical expenses and hospitalization fees |