Over the years, several students go abroad to complete an internship. As exciting as it is, this conquest of the world raises multiple questions. Indeed, travel insurance is essential to cover medical or repatriation costs. What exactly does it cover? Is it obligatory? We tell you everything in this article!
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The essential guarantees during an international stay
Are you a student and want to leave France with peace of mind? Take out internship insurance abroad! For what ? It’s simple, it covers you in the event of a problem in destinations where health costs are higher than those in France.
Indeed, when a student falls ill or is the victim of an accident, the financial consequences are sometimes significant. And for good reason, before treating patients, certain hospitals abroad often require proof of ability to pay.
The following guarantees are included in student health insurance :
- Private life civil liability (in the event of damage caused to third parties).
- Health costs from the first euro spent : coverage of hospitalization and health costs abroad and upon return to French territory.
- Bodily and material damage.
- Legal assistance.
- Baggage insurance (in the event of destruction, theft or loss of suitcases).
- Repatriation assistance (if an accident or illness occurs): when the subscriber’s state of health justifies it.
- Postponement of the departure date and coverage of possible penalties : it is not uncommon for unforeseen events to impact your departure abroad (flight cancellation, for example).
For greater practicality, make sure the presence of an “internship interruption costs” guarantee in the contract. If you shorten your internship because of a tragic event (death of a loved one, serious illness, etc.), you will be compensated.
Have you found international insurance offering all these guarantees? Don’t just rely on price. Insurers generally offer the same types of coverage. The differences are in the reimbursement conditions. Check the points mentioned below:
- The duration or minimum amount : many insurers cover health costs from a certain amount / number of days.
- The duration or ceiling amount : In the event of a problem, insurance companies set coverage limits.
The different insurances for an internship abroad
The internship abroad allows you to improve your CV, meet great people and discover a new culture.. It is also the perfect opportunity to indulge in activities out of the ordinary. No wonder it is an enriching experience in many ways.
Travel insurance
Each year, nearly 100,000 students sign up for an internship or go on a university exchange abroad. The codes change once in another country and the risks of unforeseen events are present. To do this, subscribe to a travel insurance is recommended. The cover includes assistance services and guarantees adapted to the profile of the insured. It allows him to approach the experience with complete peace of mind.
Civil liability insurance abroad
New accommodation, new responsibilities, new environment… The experience abroad is fueled by novelties and excitement. However, the possibility of accidents or clumsiness cannot be ruled out. In such situations, civil liability protects the trainee against the financial impacts of damage caused to others.
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How to choose your internship insurance abroad?
La destination
Depending on the destination, consular authorities require the presentation of travel insurance. This must at least include health coverage and medical assistance for repatriation.
Needs
The choice of internship insurance abroad is closely linked to the student’s profile. Depending on your state of health, you will opt for some or all of the guarantees.
Le budget
The cost of internship insurance abroad depends on criteria such as the country of destination and the length of stay. Be aware, for example, that the price for the United States or Canada is particularly high.
The monthly insurance rate ranges between 12 and 25 euros for Europe and the Maghreb countries. He’s from 15 to 35 euros for the rest of the world.
2024-04-11 09:51:38
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