O seguro estudantil internacional tem ganhado relevância à medida que mais estudantes buscam experiências acadêmicas no exterior. Com mais de 88 mil brasileiros matriculados fora do país, o seguro estudantil é essencial para garantir que eles possam focar nos estudos sem se preocupar com riscos inesperados. A maioria dos destinos exige seguro de saúde para cobrir eventuais despesas médicas e hospitalares, além de proteção contra extravios de bagagem, repatriação em caso de emergência e até assistência jurídica em algumas situações.
No Canadá, a cobertura de saúde pública para estudantes internacionais varia de acordo com a província, enquanto países como a Austrália e a Nova Zelândia exigem seguro específico, o OSHC, que cobre atendimentos médicos básicos, ambulância e medicamentos restritos. O custo desses seguros pode variar conforme o destino e as necessidades individuais, como a duração do intercâmbio e as coberturas adicionais necessárias, incluindo serviços odontológicos e óticos em alguns casos.
Além disso, em países como os EUA, os planos de saúde oferecidos por universidades podem ser obrigatórios e mais caros, dependendo do estado e da instituição, o que torna o planejamento financeiro crucial. Para garantir maior tranquilidade, a recomendação é que os estudantes busquem coberturas que vão além do mínimo exigido, o que proporciona maior segurança para lidar com imprevistos e facilita a adaptação ao novo ambiente.
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