Compare Overseas Student Insurance in Hong Kong 2021

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Valid until 31 Jan 2021 - See more details below

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Discounted Premium

^HK$4,750

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Starr SmarTrip Overseas Student Insurance (High Distinction)

Medical Coverage: ^HK$2,000,000
Accidental death and disablement: ^HK$750,000
Personal Belonging: ^HK$10,000
Discounted Premium: ^HK$4,750

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Valid until 31 Mar 2021 - See more details below

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Discounted Premium

^HK$6,800

FWD Comprehensive Medical Overseas StudyCare Plan A (Worldwide)

Medical Expenses: ^HK$1,000,000
Personal Accident: ^HK$500,000
Personal Belonging: ^HK$20,000
Discounted Premium: ^HK$6,800

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Discounted Premium

^HK$4,250

FWD Comprehensive Medical Overseas StudyCare Plan B (Worldwide)

Medical Expenses: ^HK$500,000
Personal Accident: ^HK$250,000
Personal Belonging: ^HK$10,000
Discounted Premium: ^HK$4,250

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Discounted Premium

^HK$2,975

FWD Standard Overseas StudyCare Plan A (Worldwide)

Medical Expenses: N/A
Personal Accident: ^HK$500,000
Personal Belonging: ^HK$20,000
Discounted Premium: ^HK$2,975

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Discounted Premium

^HK$1,700

FWD Standard Overseas StudyCare Plan B (Worldwide)

Medical Expenses: N/A
Personal Accident: ^HK$250,000
Personal Belonging: ^HK$10,000
Discounted Premium: ^HK$1,700

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Premium

^HK$3,850

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

Medical Coverage: N/A
Personal Accident: ^HK$450,000
Personal Belonging: ^HK$0
Premium: ^HK$3,850

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Premium

^HK$10,000

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

Medical Coverage: ^HK$1,000,000
Personal Accident: ^HK$900,000
Personal Belonging: ^HK$10,000
Premium: ^HK$10,000

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What is Overseas Student Health Cover?

Overseas student health cover is a comprehensive insurance policy designed especially for international students or exchange students, covering personal belongings, study interruption, trip cancellation, medical expenses, home content, etc. Some plans even provide cover for students when they work part time or participate in internships. If you are going to study abroad for more than six months, MoneySmart recommends you purchase an overseas student insurance policy. Insurance premiums vary depending on the type of coverage and the amount of coverage. Usually, it is between HK$5,000-HK$8,000 per year.

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

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

Benefits of Overseas Student Insurance Policy

Overseas Student Insurance Policy provides comprehensive coverage for students studying overseas, covering medical expenses, hospital visits, tuition fees for study interruption. It may provide school fee cover on the death of parents. Some plans also provide protection for internship, part-time job and leisure travel during school breaks. Most of the overseas student insurance plans require applicants to apply before they set off.

	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

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

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

Frequently Asked Questions about Overseas Students Health Cover

When should I purchase overseas student insurance?

You can start your applications 90 days prior to your departure date.

Can annual travel insurance replace overseas student insurance?

No. You are only covered up to 180 days for annual travel insurance whereas you are covered up to 2 years if you take out overseas student insurance. Moreover, overseas student insurance is tailored for students’ needs - for example it provides cover for study interruption.

Do I need overseas student insurance?

If you are studying overseas for more than six months, it is recommended to purchase overseas student insurance.

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

In general, those mandatory covers only provide basic cover with limited coverage whereas overseas student travel insurance provides a more comprehensive cover, covering students medical expenses in private clinics/ hospitals.

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

Yes, it is recommended to get additional cover to extend your cover to internship, study interruption, travel during term breaks, etc.

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

Yes, you must purchase overseas student cover before you set off. If you are under 18 years old, only your parents/ legal guardian can purchase it on your behalf.

Who is eligible to purchase overseas students health cover?

Any legal Hong Kong resident aged between 10 to 35 is generally eligible to apply.

Compare Overseas Student Insurance in Hong Kong 2021

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HK$2,090

Starr SmarTrip Overseas Student Insurance (Credit)

HK$2,850

Starr SmarTrip Overseas Student Insurance (Distinction)

HK$3,500

Liberty Overseas StudentCare (Other countries excluding US/Canada)

HK$4,000

Liberty Overseas StudentCare (US/Canada)

HK$4,675

FWD Comprehensive Medical Overseas StudyCare Plan A (Asia)

HK$2,975

FWD Comprehensive Medical Overseas StudyCare Plan B (Asia)

HK$3,500

AXA Overseas Student Care (Worldwide, excluding USA/Canada)

HK$4,500

AXA Overseas Student Care (US/Canada)

HK$2,250

Zurich StudySmart Overseas Student Insurance Primary Plan (1-year)

HK$5,950

Zurich StudySmart Overseas Student Insurance Superb Plan (1-year)

HK$4,750

Starr SmarTrip Overseas Student Insurance (High Distinction)

HK$6,800

FWD Comprehensive Medical Overseas StudyCare Plan A (Worldwide)

HK$4,250

FWD Comprehensive Medical Overseas StudyCare Plan B (Worldwide)

HK$2,975

FWD Standard Overseas StudyCare Plan A (Worldwide)

HK$1,700

FWD Standard Overseas StudyCare Plan B (Worldwide)

HK$3,850

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

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$2,090

^HK$2,850

^HK$3,500

^HK$4,000

^HK$4,675

^HK$2,975

^HK$3,500

^HK$4,500

^HK$2,250

^HK$5,950

^HK$4,750

^HK$6,800

^HK$4,250

^HK$2,975

^HK$1,700

^HK$3,850

^HK$10,000