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Updated at July 2019

Overseas Student Insurance

Compare overseas student insurance in Hong Kong. Find out the best rates from insurance providers, save cost, and get quotes now!

More Information
Destination Worldwide
SmarTrip Overseas Student Insurance
High Distinction
Exclusive Price HK$4,250/year
Exclusive Price HK$4,250/year
Exclusive Price HK$4,250/year
Medical Expenses
HK$2,000,000
Exclusive Price
HK$4,250/year
HK$4,250/year
HK$4,250/year
Original Price HK$5,000
Original Price HK$5,000
Original Price HK$5,000
SmarTrip Overseas Student Insurance
Distinction
Exclusive Price HK$2,550/year
Exclusive Price HK$2,550/year
Exclusive Price HK$2,550/year
Medical Expenses
HK$1,500,000
Exclusive Price
HK$2,550/year
HK$2,550/year
HK$2,550/year
Original Price HK$3,000
Original Price HK$3,000
Original Price HK$3,000
SmarTrip Overseas Student Insurance
Credit
Exclusive Price HK$1,870/year
Exclusive Price HK$1,870/year
Exclusive Price HK$1,870/year
Medical Expenses
HK$1,000,000
Exclusive Price
HK$1,870/year
HK$1,870/year
HK$1,870/year
Original Price HK$2,200
Original Price HK$2,200
Original Price HK$2,200
StudySmart Full Year Study Plan Superb Plan
Exclusive Price HK$5,355/year
Exclusive Price HK$5,355/year
Exclusive Price HK$5,355/year
Medical Expenses
HK$1,000,000
Exclusive Price
HK$5,355/year
HK$5,355/year
HK$5,355/year
Original Price HK$5,950
Original Price HK$5,950
Original Price HK$5,950
Overseas StudyCare Insurance Plan A
Original Price HK$8,000/year
Original Price HK$8,000/year
Original Price HK$5,500/year
Medical Expenses
HK$1,000,000
Original Price
HK$8,000/year
HK$8,000/year
HK$5,500/year
 
Overseas StudyCare Insurance Plan B
Original Price HK$5,000/year
Original Price HK$5,000/year
Original Price HK$3,500/year
Medical Expenses
HK$500,000
Original Price
HK$5,000/year
HK$5,000/year
HK$3,500/year
 
StudySmart Full Year Study Plan Primary Plan
Exclusive Price HK$2,025/year
Exclusive Price HK$2,025/year
Exclusive Price HK$2,025/year
Medical Expenses
Nil
Exclusive Price
HK$2,025/year
HK$2,025/year
HK$2,025/year
Original Price HK$2,250
Original Price HK$2,250
Original Price HK$2,250

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Overseas student insurance is a comprehensive insurance policy tailored to protect students against uncertainties whilst studying abroad, and it is an insurance for overseas study. The insurance period under overseas student insurance plans is up to full year yet that of typical travel insurance plans is up to 180 days only for single travel insurance plans and 90 days for each trip under annual travel insurance plans. In addition to necessary coverage under typical travel insurance plans, such as coverage for medical expenses, personal accident, lost baggage, personal liability and worldwide emergency assistance service etc., the coverage of overseas student insurance plans includes items tailored for overseas students. For overseas students, their study is extremely important and cannot be interrupted, therefore overseas student insurance plans specially cover the necessity of study, including cover for study interruption, study cancellation and tuition fees. Moreover, students are insured when they participate in internship or placement programmes, or travel to other countries and take part in sports activities during their study.

Normally, overseas student insurance plans cover medical expenses, including outpatient treatment and hospitalization fees. In other words, students are covered whenever they have flu or serious diseases during their study. In the unfortunate event that the student dies, or suffers from serious physical injury or serious illness, the overseas student insurance plans may provide cover for the cost of economy class round-trip travel tickets and reasonable hotel accommodation expenses necessarily incurred by immediate family members to travel to the place where the student passes away or suffered from injury and illness.

If the student’s parent suffers injury from an accident which results in their accidental death or permanent total disablement unfortunately, the overseas student insurance plan may provide coverage for the education fund benefit as a subsidy to student for continuing his/her study in order to avoid study interruption.

Students may participate in internship programmes or have their trip to other countries. Certain plans may cover protection for internship, placement programmes, part-time job and leisure travel worldwide during their study, and some may cover for leisure and amateur sports activities during the study, including winter sports, bungee jumping, hiking, rock climbing, horse riding, scuba diving and other water sports.

 

Overseas student insurance

Travel insurance

Insurance period

Annual cover

Up to 180 days for single travel insurance plans and up to 90 days for each trip under annual travel insurance plans

Insured age

8 - 32 years old
(depend on individual insurance company)

The lower limit is 18 years old for individual application and 6 weeks old for family package. The upper limit is 70 years old for the majority of the plans offering in the market while some plans offer no upper age limit.

Coverage

In addition to necessary coverage under typical travel insurance plans, e.g. medical expenses, personal accident, lost baggage, personal liability and worldwide emergency assistance service etc., overseas student insurance plans also includes cover for study interruption, study cancellation and tuition fees. Certain plans may cover protection for internship, placement programmes, part-time job and leisure travel worldwide during the study, and some may cover for leisure and amateur sports activities during the study.

Coverage usually includes lost, damaged or delayed baggage, lost money, trip cancellation due to serious injury or sickness, accidental death or permanent disablement, medical expenses, personal liability

Target

Students planning to study or exchange abroad

Students going to have a short study tour or trip

Referring to popular overseas insurance coverage plans, it can be summarised the coverage includes:

Medical Expenses

Medical expenses and follow-up expenses

Top up In-Patient Medical Expenses

Additional medical insurance cover for inpatient medical expenses, where the student has another medical benefits policy which covers the same expenses

Worldwide Emergency Assistance Services

Remittance of hospital admission guarantee deposits, emergency medical evacuation and repatriation, repatriation of mortal remains, compassionate visit and hotel accommodation, convalescence expenses, unexpected return in the event of the death of a close relative, additional costs of travel, other assistance including telephone medical advice, emergency travel service assistance or legal referral

Personal Accident

Personal accident, double indemnity, major burns

Cancellation Charge

Reimbursement of irrecoverable prepaid study costs and airfares in the event of the related situations listed in the policy

Curtailment of Trip

Irrecoverable unused portion of prepaid transport or accommodation charges, pre-paid tuition fees and additional public transportation expenses incurred to return to Hong Kong as a direct result of the related situations listed in the policy

Kidnapping

Compassionate visit and hotel accommodation, compassionate death benefit

Education Fund

Payment of unpaid tuition fees in the event of the death of the parent or legal guardian of the student, where the student is an unmarried full time student under 23 years old

Travel Delay

Reimbursement for costs incurred due to delay or postponement of the journey

Baggage

Loss, physical breakage or damage directly resulting from accident, theft, burglary, or mishandling by carriers to the student’s baggage or personal property (Personal property does not include mobile phones, pagers, handheld portable telecommunication equipment, or other computer equipment, except lap top computers)

Personal Liability

Indemnity against third party legal liability arising as a result of accidental injury or loss or damage to third party's property during the period of insurance

Obviously, overseas student insurance plans are targeted at overseas students or exchange students. As the duration of typical study tours is relatively short, students taking part in the study tours are suggested choosing travel insurance instead of overseas student insurance. For students who are going to study abroad or participate in exchange programmes for a longer period (for example, for over six months), overseas student insurance is then recommended because of the longer insured period and extended coverage.

Coverage for study interruption, study cancellation and tuition fees are specially included in overseas student insurance plans with two-year insured period in order to secure their study and cater their needs which incur when the students study abroad. The students need not to worry about their study, touch wood, in the event of the death of their parent or legal guardian. On the other hand, overseas students may take part in internship programme or travel to other countries. Certain overseas student insurance plans include cover for internship, placement programmes, part-time job and leisure travel, and some may cover for leisure and amateur sports activities during the study, including winter sports, bungee jumping, hiking, rock climbing, horse riding, scuba diving and other water sports.