There are often two different types of health insurance you can consider buying: international travel insurance and student health insurance in the country where you will be going. An international travel insurance policy is usually purchased in your home country before you go abroad. It generally covers a wide variety of medical services, and you are often given a list of doctors who may even speak your native language in the area where you will travel. The drawback might be that you cannot get your medical expenses paid immediately. In other words, you may have to pay all your medical expenses and then later submit your receipts to the insurance company。
On the other hand, getting student health insurance in the country where you will study might allow you to only pay a certain percentage of the medical cost at the time of service , and thus, you dont have to have sufficient cash to pay the entire bill at once。
Whatever you decide, obtaining some form of health insurance is something you should plan before you go overseas rather than waiting until you are sick with major medical bills to pay off。
Questions 26 to 28 are based on the passage you have just heard。
26. Where and when can you buy international insurance?
27. What should you submit to the insurance company when getting your expenses paid if you get international travel insurance?
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