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Compare Overseas Student Insurance in Hong Kong 2021

Get yourself covered with Overseas Student Insurance whilst studying abroad, compare and find the best insurance coverage and benefits that fits your needs. read more
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We found 19 Overseas Student Insurances for you!
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AXA安盛 logo

Discounted Premium

HK$3,510

MoneySmart Exclusive

AXA SmartStudent Overseas(Worldwide, excluding USA/Canada)

Medical Coverage
HK$2,000,000
Personal Accident
HK$1,000,000
Overseas Household Contents and Personal Belongings
HK$20,000
Discounted Premium
HK$3,510

During the Promotional Period, the customers successfully apply for an AXA SmartStudent Overseas via MoneySmart with promo code “MSSTUDY” will be entitled to 10% premium discount and a 16oz STANLEY + STARBUCKS® Stainless Steel Tumbler for free.

Valid until 19 Aug 2021 - See more details below
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AXA安盛 logo

Discounted Premium

HK$4,410

MoneySmart Exclusive

AXA SmartStudent Overseas(US/Canada)

Medical Coverage
HK$2,000,000
Personal Accident
HK$1,000,000
Overseas Household Contents and Personal Belongings
HK$20,000
Discounted Premium
HK$4,410

During the Promotional Period, the customers successfully apply for an AXA SmartStudent Overseas via MoneySmart with promo code “MSSTUDY” will be entitled to 10% premium discount and a 16oz STANLEY + STARBUCKS® Stainless Steel Tumbler for free.

Valid until 19 Aug 2021 - See more details below
Apply Now
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STARR Companies logo

Discounted Premium

HK$2,090

MoneySmart Exclusive

Starr SmarTrip Overseas Student Insurance (Credit)

Medical Coverage
HK$1,000,000
Accidental death and disablement
HK$300,000
Personal Belonging
HK$0
Discounted Premium
HK$2,090

Purchase SmarTrip Overseas Student Insurance online to enjoy 5% premium discount and receive up to HK$150 supermarket coupon on any plan. 

Valid until 31 Jul 2021 - See more details below
Apply Now
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STARR Companies logo

Discounted Premium

HK$2,850

MoneySmart Exclusive

Starr SmarTrip Overseas Student Insurance (Distinction)

Medical Coverage
HK$1,500,000
Accidental death and disablement
HK$500,000
Personal Belonging
HK$10,000
Discounted Premium
HK$2,850

Purchase SmarTrip Overseas Student Insurance online to enjoy 5% premium discount and receive up to HK$150 supermarket coupon on any plan. 

Valid until 31 Jul 2021 - See more details below
Apply Now
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Generali 忠意保險 logo

Discounted Premium

HK$4,104

Generali Annual Study Abroad Protector (US/Canada)

Medical Expenses
HK$1,500,000
Accidental Death and Permanent Disability
HK$500,000
Baggage
HK$15,000
Discounted Premium
HK$4,104
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Generali 忠意保險 logo

Discounted Premium

HK$3,351.6

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

Medical Expenses
HK$1,500,000
Accidental Death and Permanent Disability
HK$500,000
Baggage
HK$15,000
Discounted Premium
HK$3,351.6
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Liberty 利寶保險 logo

Premium

HK$3,500

Liberty Overseas StudentCare (Other countries excluding US/Canada)

Medical Coverage
HK$1,500,000
Personal Accident
HK$1,000,000
Personal Belonging
HK$15,000
Premium
HK$3,500
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Liberty 利寶保險 logo

Premium

HK$4,000

Liberty Overseas StudentCare (US/Canada)

Medical Coverage
HK$1,500,000
Personal Accident
HK$1,000,000
Personal Belonging
HK$15,000
Premium
HK$4,000
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FWD 富衛保險 logo

Discounted Premium

HK$4,675

FWD Comprehensive Medical Overseas StudyCare Plan A (Asia)

Medical Expenses
HK$1,000,000
Personal Accident
HK$500,000
Personal Belonging
HK$20,000
Discounted Premium
HK$4,675
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FWD 富衛保險 logo

Discounted Premium

HK$2,975

FWD Comprehensive Medical Overseas StudyCare Plan B (Asia)

Medical Expenses
HK$500,000
Personal Accident
HK$250,000
Personal Belonging
HK$10,000
Discounted Premium
HK$2,975
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Zurich蘇黎世 logo

Premium

HK$2,250

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

Medical Coverage
N/A
Personal Accident
HK$450,000
Personal Belonging
HK$0
Premium
HK$2,250
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Zurich蘇黎世 logo

Premium

HK$5,950

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

Medical Coverage
HK$1,000,000
Personal Accident
HK$900,000
Personal Belonging
HK$10,000
Premium
HK$5,950
Apply Now
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STARR Companies logo

Discounted Premium

HK$4,750

MoneySmart Exclusive

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

Purchase SmarTrip Overseas Student Insurance online to enjoy 5% premium discount and receive up to HK$150 supermarket coupon on any plan. 

Valid until 31 Jul 2021 - See more details below
Apply Now
More Details
FWD 富衛保險 logo

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
Apply Now
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FWD 富衛保險 logo

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
Apply Now
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FWD 富衛保險 logo

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
Apply Now
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FWD 富衛保險 logo

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
Apply Now
More Details
Zurich蘇黎世 logo

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
Apply Now
More Details
Zurich蘇黎世 logo

Premium

HK$10,000

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
Apply Now
More Details

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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.

Best Overseas Student Health Cover

Overseas Student Insurance PolicyKey FeaturesPremium
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 VS Travel Insurance

Overseas Student Insurance PolicyTravel 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 ForInternational or exchange studentsHolidaymakers

The Main Coverage of Overseas Student Insurance Policy

The main coverage of overseas student insurance policy is outlined below:


  • Medical expenses and hospitalisation fees
  • Worldwide emergency assistance services
  • Personal accident and personal liability
  • Curtailment of trip and travel delay
  • Personal belongings and luggage
  • Education funds

Points to Note for Overseas Student Insurance Policy

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.

Mandatory Student Health Insurance for Popular Countries

Students should purchase health insurance when studying abroad to protect themselves in case of an emergency. Some countries require health coverage as a mandatory condition of entry. MoneySmart has put together a summary for you below:

Country Mandatory Health InsuranceCoverage
United KingdomNational Health Service (NHS)In-patient medical expenses and hospitalisation fees in public clinics/ hospitals (excluding medication)
AustraliaOverseas Student Health Cover (OSHC)Right Column 2In-patient medical expenses and hospitalisation fees public clinics/ hospitals (including medication)
JapanStatutory Health Insurance (SHI)Cover 70% of medical expenses
Canada Any overseas student insuranceMedical expenses and hospitalization fees
United States Any overseas student insuranceMedical 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.