Insurance detail

Choosing the right health insurance

As a free mover ready to embark on your study abroad journey, selecting the right health insurance is a pivotal step. Given the myriad of options and factors to consider, it might seem daunting at first. However, wearefreemovers simplifies this process with our Insurance Finder service, which is specifically designed to make finding the perfect insurance plan not just easy but also tailored to your specific needs.

Simplifying the search with the Insurance Finder

Our Insurance Finder offers a sleek, straightforward experience designed specifically to meet the needs of a study abroad semester audience. To tailor your search for the perfect health insurance plan, we’ve refined our tool to focus on just three essential filters:

Geographical Coverage: Specify the country or region where you’ll be studying to find plans that provide comprehensive medical coverage exactly where it’s needed.
Age Requirement: Age impacts insurance needs and premiums. Our tool allows you to filter plans that are suited to your age group, ensuring you get the most relevant coverage without overpaying.
Coverage Limit: Medical expenses can be high, and it’s vital to have sufficient coverage. This filter helps you find plans that offer the level of protection you need against potential costs.

How to pick the best option

Once you set the filtering preferences of your choice, you will be presented with a list of results. Now, it is your chance to get the best idea of the insurance plan that fits your needs.

Insurance plans are usually very detailed and not easily digestible. We took the hard work of understanding which conditions are covered in each proposed plan and offered you a simple user interface that clearly and concisely lays out all the most important information you would like to know before choosing a health insurance plan.

This information will appear in the relative listings, giving you a clear understanding of what each plan offers.

Insurance provider: The company or organization that offers the insurance plan.
Geographical coverage: Defines the areas or locations where the insurance coverage is valid.
Age range: Indicates the ages for which the insurance coverage is available.
Coverage limit: The maximum amount that the insurance will pay out for covered claims.
Cost per month: The amount that the insured must pay on a monthly basis for the coverage.
Duration of coverage: The length of time the insurance policy is in effect and provides coverage.
Deductible: A deductible is a sum of money that the insured is responsible for paying out-of-pocket before the insurance coverage starts paying for services. If the deductible is specified as “No“, it means that you do not have to pay such an amount to get coverage, hence making the insurance option more appealing in case of coverage is needed.
Cancellation policy: The terms under which the insured can cancel the insurance policy.
Customer support: The service provided by the insurer to assist customers with their questions and claims, which may be available 24/7 or only during business hours.
Language: The languages in which the insurance provider can communicate with the insured for services and support.

Additionally, our listings include detailed information on every aspect of the insurance coverage available. This information will appear in the relative listings, giving you a clear understanding of what each plan offers. Coverage details include:

🏨 Hospitalization: Covers the costs of hospital stays, including room charges, nursing care, surgeries, and any treatments received while admitted.
💼 Visits to doctors or specialists: Refers to medical care provided without an overnight stay in a hospital, including visits to general practitioners or specialists for consultation and treatment.
🩺 Emergency medical treatment: Coverage for medical care needed in urgent, unexpected situations, ensuring quick access to treatment during critical moments.
💊 Prescription medication: Covers the cost of prescribed drugs and medicines, helping manage or cure health conditions without bearing the full financial burden.
🚁 Medical evacuation: Provides for transportation, often via ambulance or medical flight, to a medical facility capable of treating severe health emergencies, especially in cases where local facilities are inadequate.
🪥 Routine dental care: Includes preventative dental services such as cleanings, exams, and sometimes minor procedures like fillings, promoting overall dental health.
🦷 Emergency dental treatment: Covers dental services needed immediately to treat severe pain, infection, or trauma, often excluding routine care.
👀 Eye exams and vision care: Coverage for routine eye examinations and treatments to maintain eye health and correct vision problems.
👓 Eyeglasses or contact lenses: Helps cover the cost of prescription lenses and frames or contact lenses needed for vision correction.
🧸 Personal liability: Provides protection if you’re legally liable for injuring another person or damaging their property, covering legal costs or claims made against you.
🧠 Mental health treatment and counseling: Covers services related to the diagnosis and treatment of mental health conditions, including therapy and counseling sessions.
💉 Substance abuse treatment and counseling: Offers coverage for the treatment of drug and alcohol abuse, including detoxification, rehabilitation, and counseling services.
🤸‍♂️ Non-professional sports and activities: Covers medical treatment for injuries sustained while participating in recreational or amateur sports activities, excluding professional sports.
🩼 Physiotherapy and rehabilitation services: Provides for therapies aimed at restoring movement and function when someone is affected by injury, illness, or disability.
🧬 Pre-existing conditions: Refers to coverage for medical services related to conditions that existed before the start of the insurance policy. Not all plans cover pre-existing conditions, and those that do may have limitations.
🫃 Maternity and newborn care: Covers medical services related to pregnancy, childbirth, and care of the newborn baby, including prenatal and postnatal doctor visits.
⛑️ Vaccinations and preventive care: Includes immunizations and routine health screenings aimed at preventing disease or detecting health issues early.
☠️ Accidental death: Provides a benefit to the insured’s beneficiaries in the event of the insured’s death due to an accident.
⚰️ Repatriation of remains: Covers the cost of returning the insured’s body to their home country in the event of death abroad, an essential consideration for international coverage.

What if you want to take trips to other countries while you are studying abroad? No problem. We have got you covered with an additional travel insurance section. Bundled with health insurance plans, this additional coverage ensures you are well-protected even during small trips taken during your study abroad semester. Travel insurance details include:

🩺 Emergency medical and evacuation: This covers the cost of medical care if you get sick or injured on your trip and may also cover the cost of medically necessary evacuation to a facility that can provide appropriate care.
🧸 Personal liability: If you cause injury to someone or damage their property, this part of the insurance will cover the costs for which you are legally liable.
⌚️ Flight delays and missed connections: Reimbursement for additional travel and accommodation expenses if a flight is delayed or a connection is missed.
😶‍🌫️️️ Trip cancellation: Refunds the prepaid, non-refundable expenses if you need to cancel your trip for a covered reason before you depart.
🤯 Baggage loss or delay: Provides compensation if your baggage is lost, delayed, or damaged while you are traveling.
🚙 Rental car issues: Covers issues that may arise with a rental vehicle, such as damage or theft.

That's it!

We hope this article clarified your doubts on the functioning of the Insurance Finder. If not, do not hesitate to contact us.

Find Your Insurance

Insurance is an essential study abroad prerequisite. Find the best one using our Insurance Finder