{"id":7478,"date":"2025-07-09T09:50:18","date_gmt":"2025-07-09T01:50:18","guid":{"rendered":"https:\/\/3d-universal.com\/en\/?p=7478"},"modified":"2025-07-09T09:50:18","modified_gmt":"2025-07-09T01:50:18","slug":"which-study-abroad-insurance-should-i-choose","status":"publish","type":"post","link":"https:\/\/3d-universal.com\/en\/blogs\/which-study-abroad-insurance-should-i-choose.html","title":{"rendered":"Which study abroad insurance should I choose?"},"content":{"rendered":"

<\/p>\n

Which study abroad insurance should I choose?<\/h2>\n

Short Answer: It depends on your country, but we strongly recommend getting study abroad insurance<\/strong> that includes medical, emergency, and personal liability coverage<\/strong> during your stay in the Philippines.<\/h3>\n
\n

Why Do I Need Study Abroad Insurance?<\/h3>\n

Medical treatment in the Philippines can be surprisingly expensive<\/strong>, especially for foreign students using private hospitals or emergency care<\/strong>.<\/p>\n

    \n
  • \n

    A basic outpatient consultation can cost PHP 800\u20131,500<\/strong><\/p>\n<\/li>\n

  • \n

    Hospital stays can easily exceed PHP 3,000\u201310,000 per day<\/strong><\/p>\n<\/li>\n

  • \n

    Emergency surgery or transportation can cost even more<\/p>\n<\/li>\n<\/ul>\n

    Without proper insurance, you may be forced to pay out-of-pocket<\/strong>, which can cause stress and financial strain\u2014especially if you are far from home.<\/p>\n

    Furthermore, most public health insurance plans from your country don\u2019t cover international treatment<\/strong>. Even if coverage exists, it may only apply to \u201cemergencies\u201d or may require full reimbursement procedures.<\/p>\n

    That\u2019s why having a comprehensive study abroad insurance plan<\/strong> is not just recommended\u2014it\u2019s essential for peace of mind.<\/p>\n

    \n

    Does 3D ACADEMY Provide Insurance?<\/h3>\n

    No, 3D ACADEMY does not include insurance<\/strong> in its tuition fees and does not directly provide it. However:<\/p>\n

      \n
    • \n

      We require or strongly advise<\/strong> all students to come with their own insurance<\/p>\n<\/li>\n

    • \n

      In case of illness or accident, our Japanese, Korean, and Chinese-speaking staff<\/strong> will support you with:<\/p>\n

        \n
      • \n

        Hospital recommendations<\/p>\n<\/li>\n

      • \n

        Transportation<\/p>\n<\/li>\n

      • \n

        Insurance claim documents<\/p>\n<\/li>\n

      • \n

        Translation and communication with medical staff<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

        We will do our best to help\u2014but you need your own insurance policy to receive reimbursement.<\/p>\n

        \n

        What Should the Insurance Cover?<\/h3>\n

        A good study abroad insurance plan should include the following:<\/p>\n

        \n
        \n\n\n\n\n\n\n\n\n\n\n\n
        Coverage Type<\/strong><\/th>\nDescription<\/strong><\/th>\n<\/tr>\n<\/thead>\n
        Medical Expenses<\/strong><\/td>\nHospital visits, medications, treatments for illness or injury<\/td>\n<\/tr>\n
        Emergency Care<\/strong><\/td>\nAmbulance, emergency surgery, sudden illness<\/td>\n<\/tr>\n
        COVID-19 Treatment<\/strong><\/td>\nCoverage for testing, treatment, quarantine if needed<\/td>\n<\/tr>\n
        Personal Liability<\/strong><\/td>\nAccidental damage or injury to others<\/td>\n<\/tr>\n
        Emergency Evacuation<\/strong><\/td>\nIf you need to return to your country due to medical emergency<\/td>\n<\/tr>\n
        Loss\/Theft of Belongings<\/strong><\/td>\nOptional, but useful for luggage or electronics<\/td>\n<\/tr>\n
        Trip Cancellation<\/strong><\/td>\nOptional, covers canceled or delayed flights<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
        \n
        <\/div>\n<\/div>\n<\/div>\n<\/div>\n
        \n

        Make sure your policy covers the entire duration<\/strong> of your stay in the Philippines and that the territory is valid for \u201cAsia\u201d or \u201cworldwide.\u201d<\/p>\n<\/blockquote>\n

        \n

        Insurance Options for Japanese Students<\/h3>\n

        If you are coming from Japan, you have many options:<\/p>\n

          \n
        • \n

          AIG\u640d\u4fdd \/ AIU\u6d77\u5916\u65c5\u884c\u4fdd\u967a<\/strong> \u2013 popular among students<\/p>\n<\/li>\n

        • \n

          \u30b8\u30a7\u30a4\u30a2\u30a4\u50b7\u5bb3\u706b\u707d\u4fdd\u967a\uff08t@biho\uff09<\/strong> \u2013 customizable online plans<\/p>\n<\/li>\n

        • \n

          \u640d\u4fdd\u30b8\u30e3\u30d1\u30f3 \/ \u6771\u4eac\u6d77\u4e0a\u65e5\u52d5<\/strong> \u2013 trusted providers with strong global networks<\/p>\n<\/li>\n

        • \n

          \u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4ed8\u5e2f\u4fdd\u967a<\/strong> \u2013 be careful<\/strong>: often valid only for 90 days and under strict conditions<\/p>\n<\/li>\n<\/ul>\n

          Make sure the plan includes:<\/p>\n

            \n
          • \n

            \u533b\u7642\u8cbb\u88dc\u511f\uff08500\u4e07\uff5e1,000\u4e07\u5186\u4ee5\u4e0a\u63a8\u5968\uff09<\/p>\n<\/li>\n

          • \n

            \u640d\u5bb3\u8ce0\u511f\u8cac\u4efb\uff08\u4e8b\u6545\u306a\u3069\u3078\u306e\u88dc\u511f\uff09<\/p>\n<\/li>\n

          • \n

            \u6551\u63f4\u8005\u8cbb\u7528\u30fb\u7dca\u6025\u79fb\u9001<\/p>\n<\/li>\n

          • \n

            \u6d77\u5916\u751f\u6d3b\u306b\u7279\u5316\u3057\u305f\u88dc\u511f\u5185\u5bb9<\/p>\n<\/li>\n<\/ul>\n

            Some Japanese students also join \u5927\u5b66\u751f\u5354\u3084\u5171\u6e08\u7cfb\u4fdd\u967a<\/strong>, but be sure to check overseas coverage terms<\/strong> carefully.<\/p>\n

            \n

            For Korean Students<\/h3>\n

            Popular options include:<\/p>\n

              \n
            • \n

              DB\uc190\ud574\ubcf4\ud5d8 \uc720\ud559\uc0dd\ubcf4\ud5d8<\/strong><\/p>\n<\/li>\n

            • \n

              \uc0bc\uc131\ud654\uc7ac \ud574\uc678\uc720\ud559\ubcf4\ud5d8<\/strong><\/p>\n<\/li>\n

            • \n

              \ud604\ub300\ud574\uc0c1 or KB\uc190\ud574\ubcf4\ud5d8<\/strong><\/p>\n<\/li>\n<\/ul>\n

              Be sure the plan includes:<\/p>\n

                \n
              • \n

                Long-term stay (over 30\u201390 days)<\/p>\n<\/li>\n

              • \n

                Coverage for medical bills in Philippine private hospitals<\/strong><\/p>\n<\/li>\n

              • \n

                Access to a Korean-speaking claim center or mobile app<\/p>\n<\/li>\n<\/ul>\n

                Also check if your credit card<\/strong> includes insurance, and for how long.<\/p>\n

                \n

                For Students from Taiwan or China<\/h3>\n

                Options include:<\/p>\n

                  \n
                • \n

                  Cathay Life\uff08\u570b\u6cf0\uff09<\/strong> or Fubon Insurance\uff08\u5bcc\u90a6\uff09<\/strong> \u2013 with \u7559\u904a\u5b78\u96aa<\/p>\n<\/li>\n

                • \n

                  \u4e2d\u570b\u4eba\u58fd\u3001\u53f0\u7063\u4eba\u58fd<\/strong> \u2013 check their \u7559\u5b78\/\u6d77\u5916\u96aa plans<\/p>\n<\/li>\n

                • \n

                  Be sure your plan:<\/p>\n

                    \n
                  • \n

                    Covers COVID-19 treatment<\/strong><\/p>\n<\/li>\n

                  • \n

                    Allows direct billing or quick reimbursement<\/strong><\/p>\n<\/li>\n

                  • \n

                    Covers emergency return flights<\/strong> if needed<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                    Ask your agent: \u201cDoes this cover medical expenses in the Philippines for students?\u201d<\/p>\n

                    \n

                    For Students from Other Countries<\/h3>\n

                    If you’re from Europe, the U.S., Latin America, or Southeast Asia:<\/p>\n

                      \n
                    • \n

                      Check with your national health system<\/strong> to see if international coverage is included<\/p>\n<\/li>\n

                    • \n

                      If not, consider private global insurers such as:<\/p>\n

                        \n
                      • \n

                        World Nomads<\/strong> (student-friendly, flexible plans)<\/p>\n<\/li>\n

                      • \n

                        SafetyWing<\/strong> (monthly subscription, good for digital nomads and students)<\/p>\n<\/li>\n

                      • \n

                        IMG Global<\/strong><\/p>\n<\/li>\n

                      • \n

                        AXA International \/ Allianz Travel<\/strong><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                        These providers usually offer:<\/p>\n

                          \n
                        • \n

                          Online enrollment<\/p>\n<\/li>\n

                        • \n

                          24\/7 assistance centers<\/p>\n<\/li>\n

                        • \n

                          PDF certificates for visa use or school records<\/p>\n<\/li>\n<\/ul>\n

                          \n

                          What Happens If I Get Sick?<\/h3>\n

                          At 3D ACADEMY, we take student health seriously.<\/p>\n

                          A licensed medical doctor visits the school every weekday (Monday to Friday)<\/strong> to provide on-site consultations<\/strong> for students. This convenient service means:<\/p>\n

                            \n
                          • \n

                            You don\u2019t need to go to a clinic for basic medical concerns<\/p>\n<\/li>\n

                          • \n

                            You can get quick attention for symptoms like fever, stomach issues, or minor injuries<\/p>\n<\/li>\n

                          • \n

                            You can receive advice, prescriptions, and referrals if needed<\/p>\n<\/li>\n<\/ul>\n

                            \n

                            If you have overseas insurance that supports cashless service<\/strong>, you can often receive treatment without paying upfront<\/strong>, as long as your provider is recognized.<\/p>\n<\/blockquote>\n

                            Our staff will help:<\/p>\n

                              \n
                            • \n

                              Contact the doctor on your behalf<\/p>\n<\/li>\n

                            • \n

                              Assist with insurance claim procedures<\/p>\n<\/li>\n

                            • \n

                              Communicate with the clinic or hospital if necessary<\/p>\n<\/li>\n

                            • \n

                              Translate medical information if you’re not confident in English<\/p>\n<\/li>\n<\/ul>\n

                              If your condition requires more advanced treatment, we\u2019ll help you access a partner hospital or clinic nearby<\/strong>, including major facilities such as Cebu Doctors\u2019 University Hospital, Chong Hua, or UCMed<\/strong>.<\/p>\n

                              What Happens If I Get Sick Without Insurance?<\/h3>\n

                              If you don\u2019t have insurance and require medical help:<\/p>\n

                                \n
                              • \n

                                You’ll need to pay everything out of pocket<\/strong><\/p>\n<\/li>\n

                              • \n

                                Most clinics require cash or credit card payment up front<\/strong><\/p>\n<\/li>\n

                              • \n

                                Reimbursement is not possible unless you\u2019re insured<\/strong><\/p>\n<\/li>\n

                              • \n

                                In serious cases, this could cost hundreds to thousands of US dollars<\/strong><\/p>\n<\/li>\n<\/ul>\n

                                While healthcare quality in Cebu is generally good, the costs are real<\/strong>, especially in private hospitals<\/strong> like Chong Hua, UCMed, or Cebu Doctors’.<\/p>\n

                                \n

                                Frequently Asked Questions<\/h3>\n

                                Q: Can I buy insurance after I arrive?<\/h4>\n

                                A: Some international providers allow late enrollment, but most Japanese and Korean insurance must be purchased before departure<\/strong>. It\u2019s safer to arrange it in advance.<\/p>\n

                                Q: Do I need to bring proof?<\/h4>\n

                                A: Yes! Please bring a digital and printed copy<\/strong> of your insurance certificate, including your name, policy number, and contact info for emergency assistance.<\/p>\n

                                Q: How long should the coverage last?<\/h4>\n

                                A: From the day you leave your home country<\/strong> until the day you return<\/strong>, including flights and possible delays.<\/p>\n

                                \n

                                \u2705 Summary: Steps to Choose the Right Insurance<\/h3>\n
                                \n
                                \n\n\n\n\n\n\n\n\n\n
                                Step<\/th>\nWhat to Do<\/th>\n<\/tr>\n<\/thead>\n
                                1\ufe0f\u20e3<\/td>\nCheck if your country\u2019s public insurance covers study abroad<\/strong><\/td>\n<\/tr>\n
                                2\ufe0f\u20e3<\/td>\nChoose a plan with medical, emergency, and liability coverage<\/strong><\/td>\n<\/tr>\n
                                3\ufe0f\u20e3<\/td>\nConfirm the policy period (start to end of trip)<\/td>\n<\/tr>\n
                                4\ufe0f\u20e3<\/td>\nBring printed and digital proof<\/strong> of your policy<\/td>\n<\/tr>\n
                                5\ufe0f\u20e3<\/td>\nSave the insurance emergency hotline number<\/strong> on your phone<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                                \n
                                <\/div>\n<\/div>\n<\/div>\n<\/div>\n
                                \n

                                Final Message<\/h3>\n

                                You\u2019re about to embark on a life-changing journey<\/strong> in Cebu. Don\u2019t let unexpected accidents, illness, or stress ruin it. With the right insurance:<\/p>\n

                                  \n
                                • \n

                                  You\u2019ll have peace of mind<\/strong><\/p>\n<\/li>\n

                                • \n

                                  You\u2019ll receive faster care<\/strong> if something goes wrong<\/p>\n<\/li>\n

                                • \n

                                  Your family will feel more comfortable and secure<\/strong> knowing you’re protected<\/p>\n<\/li>\n<\/ul>\n

                                  Whether you’re a first-time traveler or an experienced explorer, study abroad insurance is one thing you should never skip<\/strong>.<\/p>\n

                                  If you’re still unsure, feel free to contact 3D ACADEMY staff before departure<\/strong>. We\u2019re happy to help you make the right choice for a safe and successful stay.<\/p>\n

                                  \n

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