Compare Blue Cross Overseas Student Insurance in Hong Kong 2026
Get yourself covered with Blue Cross Overseas Student Insurance whilst studying abroad, compare and find the best insurance coverage and benefits that fits your needs.
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We found 2 Blue Cross Overseas Student Insurances for you!
![Blue Cross Overseas StudySafe Insurance - Smart Plus Plan [1-year]](/cdn-cgi/image/w=208,h=120,f=webp,q=85/https://photos-hk.cdn-moneysmart.com/overseas_student_insurance/uploads/products/images/image_url_2023-09-27_New%20Blue%20Cross%20Logo%20Bilingual%20color.png)
![Blue Cross Overseas StudySafe Insurance - Smart Plus Plan [1-year] image](/cdn-cgi/image/w=140,h=88,f=webp,q=85/https://photos-hk.cdn-moneysmart.com/overseas_student_insurance/uploads/products/images/image_url_2023-09-27_New%20Blue%20Cross%20Logo%20Bilingual%20color.png)
APPLY NOW for Blue Cross Overseas StudySafe Insurance - Smart Plus Plan [1-year]
on Blue Cross's secure site
APPLY NOW for Blue Cross Overseas StudySafe Insurance - Smart Plan [1-year]
on Blue Cross's secure site
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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 Policy | Key Features | Premium |
|---|---|---|
| Overseas Student Insurance PolicyStarr SmarTrip Overseas Student Insurance (Credit) | Key FeaturesCover up to HK$1,000,000 medical expenses. No copayment or deductible required. Extend to cover leisure trips during term breaks. | PremiumHK$1,870 |
| Overseas Student Insurance PolicyStarr SmarTrip Overseas Student Insurance (Distinction) | Key FeaturesCover up to HK$1,500,000 medical expenses. No copayment or deductible required. Extend to cover leisure trips during term breaks. | PremiumHK$2,550 |
| Overseas Student Insurance PolicyStarr SmarTrip Overseas Student Insurance (High Distinction) | Key FeaturesCover up to HK$2,000,000 medical expenses. No copayment or deductible required. Extend to cover leisure trips during term breaks. | PremiumHK$4,250 |
| Overseas Student Insurance PolicyFWD Comprehensive Medical Overseas StudyCare Plan A (Asia) | Key FeaturesCover up to HK$2,000,000 medical expenses. | PremiumHK$4,675 |
| Overseas Student Insurance PolicyFWD Comprehensive Medical Overseas StudyCare Plan A (Worldwide) | Key FeaturesCover up to HK$2,000,000 medical expenses. | PremiumHK$6,800 |
| Overseas Student Insurance PolicyFWD Comprehensive Medical Overseas StudyCare Plan B (Worldwide) | Key FeaturesProvide education funds and cover for leisure and amateur sports activities. | PremiumHK$4,250 |
| Overseas Student Insurance PolicyZurich StudySmart Overseas Student Insurance Primary Plan (2-year) | Key FeaturesCover internship and study interruption | PremiumHK$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 Policy | Travel Insurance | |
|---|---|---|
| Policy Period | Overseas Student Insurance PolicyUp to 2 years | Travel Insurance Single trip travel insurance: up to 180 days Annual travel insurance: up to 90 days |
| Age Limit | Overseas Student Insurance Policy10-35 years old | Travel Insurance18-70 years old (6 weeks old for family package) |
| Coverage | Overseas Student Insurance PolicyProvide additional cover including study interruption and education fund in additional to basic coverage for travel insurance | Travel InsuranceCover medical expenses, trip cancellation and personal liability |
| Suitable For | Overseas Student Insurance PolicyInternational or exchange students | Travel InsuranceHolidaymakers |
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 Insurance | Coverage |
|---|---|---|
| Country United Kingdom | Mandatory Health InsuranceNational Health Service (NHS) | Coverage In-patient medical expenses and hospitalisation fees in public clinics/ hospitals (excluding medication) |
| Country Australia | Mandatory Health InsuranceOverseas Student Health Cover (OSHC) | Coverage Right Column 2In-patient medical expenses and hospitalisation fees public clinics/ hospitals (including medication) |
| Country Japan | Mandatory Health InsuranceStatutory Health Insurance (SHI) | Coverage Cover 70% of medical expenses |
| Country Canada | Mandatory Health InsuranceAny overseas student insurance | Coverage Medical expenses and hospitalization fees |
| Country United States | Mandatory Health InsuranceAny overseas student insurance | Coverage 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.