Which health insurance should a student choose for studying abroad?

For a student going abroad, it is important to choose suitable health insurance that covers several aspects. Insurers such as Allianz Care, April International or AXA Assistance offer student policies for studying abroad with comprehensive guarantees. These include coverage of medical expenses in the event of illness or accident, liability insurance for damage caused to others and legal assistance in the event of disputes. Taking out good international student insurance will give you peace of mind for the duration of your stay. Do not hesitate to compare insurers and offers using our comparison tool.

Why should I take out student insurance when studying abroad?

Taking out student insurance for studying abroad is essential for your internship or years of study. It ensures healthcare costs are covered, which are often high abroad, and protects you from unexpected medical bills. Health insurance protects you in the event of an accident or illness and facilitates your repatriation if necessary. It also includes liability cover, which is vital for any damage caused to a third party. Finally, it can include legal assistance, which is crucial if you face administrative or legal problems.

Find the best health
insurance for students abroad

When you go abroad for studies or an internship
abroad, it is important to choose your
student insurance carefully.

Whether for a stay of a few months or several years,
taking out insurance suited to this new adventure
guarantees you optimal coverage in the event of
unforeseen circumstances.

Insurers available for your studies abroad:

Coverage of medical expenses

One of the most important aspects of student insurance abroad is coverage of healthcare costs. In the event of illness or an accident, you must be sure that your medical expenses will be covered. Whether it is a doctor’s visit, hospitalization, or specific treatments, good insurance will allow you to be reimbursed for medical expenses. Also check whether your insurance covers costs if you need to use your European Health Insurance Card (EHIC).

Coverage in the event of repatriation

In the event of a serious medical problem, some insurance policies include a repatriation service in case of accident or illness, allowing you to receive the necessary treatment in your home country. Repatriation is often essential in countries where the healthcare system is less effective or very expensive. Make sure that repatriation is fully covered.

Liability insurance and travel cover

Another important benefit to consider is third-party liability insurance. It protects you if you accidentally cause damage to other people or their property. In addition, if you plan to travel during your internship or period of study abroad, taking out a student health policy that also includes baggage insurance and protection in case of theft, loss or delay of your personal belongings is a real plus.

Contrat d’assurance et assurance voyage étudiant

Insurance contract and student travel insurance

When you go abroad for studies or an internship, it is important to understand all the terms and conditions of your insurance contract. This document details all the guarantees and exclusions of your health cover abroad, including medical care, third-party liability and emergency situations. In parallel, it may be a good idea to take out separate student travel insurance if you plan to travel during your stay. This type of cover protects you against unexpected events such as baggage loss, flight delays or health problems while travelling. A well-designed contract that includes student travel insurance, guarantees optimal cover in all situations, whether for your studies or your trips.

Legal assistance and other options

The best student insurance plans abroad include legal assistance. In the event of a dispute while you are there, this service can help you defend your rights, whether for administrative issues or other matters. Also consider checking international student insurance options, which provide you with global coverage wherever you are.

Choose the insurance that suits you

To take out student insurance abroad,, we recommend that you compare the different offers available based on your destination, the length of your internship or studies and the guarantees offered. Some policies include additional benefits such as cover for costs related to an internship abroad or specific travel insurance. Do not overlook the importance of comprehensive cover for your healthcare costs and your specific needs. The best student health insurance for studying abroad depends on several criteria: coverage of medical costs, legal assistance, emergency repatriation and third-party liability cover. Before leaving, make sure you are properly insured so that you can fully enjoy your stay without worries.

Table of student health insurance coverage abroad

The table below summarises the main benefits available under international health insurance for students on internships or study programmes abroad. It highlights essential services such as coverage of medical expenses, repatriation assistance and protection for liability and personal effects. Suitable insurance will provide you with comprehensive cover during your stay abroad and give you peace of mind in the face of unexpected events. Here is a table summarising coverage for the various costs:

Summary table of the coverage of the different expenses
Service	Coverage
Hospitalization	100% of actual costs
General practitioner consultation	100% of actual costs
Specialist consultation	100% of actual costs
Pharmacy	100% of actual costs
Medical tests and imaging	100% of actual costs
Assistance / Repatriation	100% of actual costs
Early return in case of a close relative's death	Included
Medical teleconsultation	Included
Personal effects / luggage	Included
Legal assistance	Included
Cashless hospital payment worldwide	Included