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Overseas student insurance

Medical, tuition fee and liability cover for students abroad.

For full-time students aged 15 to 45 studying outside Singapore, including exchange programmes.

Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/overseas-student

Overseas student insurance promotions today: MSIG, 20% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.

What's covered

  • Medical expenses for accidents overseas, and for illness on plans that include it
  • Emergency medical evacuation and repatriation
  • Tuition fees already paid if illness or a death in the family stops your studies
  • Your liability to others, such as damage to rented accommodation
  • Belongings at your overseas home, baggage and travel delays

What's not covered

  • Conditions you already had before cover started
  • Pregnancy and childbirth
  • Professional and competitive sports
  • Mental and nervous disorders

How comparing overseas student insurance works here

Tell us how long you need cover, where you will study and who to cover: the student alone, or the student with a spouse and children. We show the price of each plan for that period from the insurers on our panel, from the lowest up.

Some of these plans are bought online and some on the insurer's own form. Each plan's Buy Now link takes you to the right place.

Who it is for

Full-time students studying outside Singapore, including exchange programmes and overseas attachments arranged by a Singapore school.

Before you choose

  • Illness is not always included. Some plans pay accident medical bills as standard and charge extra for illness. The card says which.
  • Study interruption pays back tuition fees if a serious illness, or a death in your family, stops your studies part-way through a term.
  • Sponsor protection pays unpaid tuition fees if the person paying for your studies dies or is disabled in an accident.
  • Conditions you already have are excluded on every plan here.

What sets your premium

  • The period. One, three or six months, or a year. Not every insurer sells every period.
  • Where you study. One insurer charges more for the United States and Canada.
  • Who is covered. A family plan costs more than the student alone.
  • The medical limit. A higher limit, or adding illness cover, costs more.

Age does not change the price on the plans here, though each insurer takes students within its own age range.

Your university's own insurance

Many universities require their own health plan. It usually pays local medical bills but not evacuation home, tuition fees, your liability or your belongings. Check what yours covers before you buy.

See prices

See the overseas student insurance price pages.

What overseas student insurance costs today

Worked out today from each insurer’s current rates; a price from an insurer’s published table gives the date we read it (“as at”). Open an example to see what we assumed and every plan. Your own price depends on your answers.

All typical overseas student insurance prices

Questions people ask

Is this the same as travel insurance?

No. Travel insurance is built for short trips and usually limits each trip to 90 or 180 days. Overseas student insurance covers a term or a year abroad, including trips home in the holidays, and adds tuition fee and sponsor cover.

Does it cover illness as well as accidents?

Not always. Some plans cover accident medical bills as standard and charge extra for illness. The card for each plan says which it covers, and the filter keeps plans with at least the medical limit you choose.

My university has its own health insurance. Do I still need this?

Many universities require their own health plan, which pays local medical bills. It usually does not cover evacuation to Singapore, tuition fees if you have to stop, your liability or your belongings, which these plans do.