Compare Overseas Student Insurance in Hong Kong 2022

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

Higher insurance premiums doesn’t mean more coverage

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.

Coverage amount depends on which country you are going

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.

Policy bought through schools are less comprehensive

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

Compare Overseas Student Insurance in Hong Kong 2022

Refine Your Results

HK$3,510

AXA SmartStudent Overseas(Worldwide, excluding USA/Canada)

HK$4,750

Starr SmarTrip Overseas Student Insurance (High Distinction)

HK$2,850

Starr SmarTrip Overseas Student Insurance (Distinction)

HK$4,410

AXA SmartStudent Overseas(US/Canada)

HK$2,090

Starr SmarTrip Overseas Student Insurance (Credit)

HK$4,104

Generali Annual Study Abroad Protector (US/Canada)

HK$2,880

GoStudy Student Insurance (Basic Plan)

HK$3,351.6

Generali Annual Study Abroad Protector (Worldwide except US/Canada)

HK$3,500

Liberty Overseas StudentCare (Other countries excluding US/Canada)

HK$4,680.50

FWD Comprehensive Medical Overseas StudyCare Plan A (Asia)

HK$2,978.50

FWD Comprehensive Medical Overseas StudyCare Plan B (Asia)

HK$4,000

Liberty Overseas StudentCare (US/Canada)

HK$5,580

GoStudy Student Insurance (Premier Plan)

HK$6,808

FWD Comprehensive Medical Overseas StudyCare Plan A (Worldwide)

HK$4,255

FWD Comprehensive Medical Overseas StudyCare Plan B (Worldwide)

HK$2,978.50

FWD Standard Overseas StudyCare Plan A (Worldwide)

HK$1,702

FWD Standard Overseas StudyCare Plan B (Worldwide)

HK$10,000

Zurich StudySmart Overseas Student Insurance Superb Plan (2-year)

What is Overseas Student Health Cover?

Best Overseas Student Health Cover

Benefits of Overseas Student Insurance Policy

Overseas Student Insurance Policy VS Travel Insurance

The Main Coverage of Overseas Student Insurance Policy

Points to Note for Overseas Student Insurance Policy

Higher insurance premiums doesn’t mean more coverage

Coverage amount depends on which country you are going

Policy bought through schools are less comprehensive

Mandatory Student Health Insurance for Popular Countries

Frequently Asked Questions about Overseas Students Health Cover

When should I purchase overseas student insurance?

Can annual travel insurance replace overseas student insurance?

Do I need overseas student insurance?

What is the difference between mandatory health insurance required by some countries and other overseas student travel insurance?

Should I purchase additional cover if I have already purchased an insurance policy through my school?

Is it a must to purchase overseas student insurance prior to my departure?

Who is eligible to purchase overseas students health cover?

^HK$4,750

^HK$2,850

^HK$2,090

^HK$2,880

^HK$3,500

^HK$4,680.50

^HK$2,978.50

^HK$4,000

^HK$5,580

^HK$6,808

^HK$4,255

^HK$2,978.50

^HK$1,702

^HK$10,000