There are a number of reasons why health insurance for international students is necessary. You might not have health insurance in your home country for a number of reasons. Maybe your country has a national health care system in place. Or may be your parents were able to pay for all your health care needs. Most developing countries have a very low health care cost and people normally do not have health insurance.

But it is different in the case of an international student medical insurance. Irrespective of the cost of health care, you need to assured that you will be taken care of in case of an emergency. Since you will be all alone without a support system in a foreign country, it pays to know that you will be provided sufficient emergency medical care.

Apart from this there is also the question of paying for your health care costs if in case you meet with an accident or any other problem. The laws in most countries are designed in such a way so as to ensure that emergency medical care is provided for all. But you will eventually get a bill for all the services provided and you will need to pay for it.