Overseas study insurance MSIG Student, from THB 4,700
- Updated: 15 October 2026
Overseas study insurance MSIG Student, from THB 4,700
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by MSIG Insurance (Thailand) Public Company Limited
Premiums from THB 4,700 (3 months) to THB 79,800 (24 months), depending on the plan and duration, including stamp duty and tax
Highlights: Travel insurance for students going abroad to study, with continuous cover of up to 2 years and compensation for tuition fees if they have to stop studying
Your child has a place to study abroad. Tuition, dormitory and flights have already cost a lot, and what parents worry about next is what happens if their child falls ill or has an accident there: the medical bills could run into hundreds of thousands or even millions, and who would fly over to look after them?
MSIG's TRAVEL EASY OVERSEAS STUDENT is made specifically for the study period abroad. The questions are: how do the 3 plans differ, how many months should you buy, and what conditions should you know before your child flies?
Overseas study insurance MSIG Student: who is it for, and how much is the premium?
In short: MSIG's TRAVEL EASY OVERSEAS STUDENT overseas study insurance suits students aged 13–50 who are resident in Thailand, are enrolled at a recognised institution abroad and begin their journey from Thailand. It covers medical expenses of THB 2,000,000–5,500,000 and compensates tuition fees of THB 200,000–350,000. It can be bought for 3–24 months. Premiums start from THB 4,700 (Student 3, up to 3 months, as of 15 October 2026). The actual premium depends on the plan and duration.
What does MSIG overseas student insurance cover?
| Coverage | Student 1 / Student 2 / Student 3 (THB) |
|---|---|
| Medical expenses (injury and illness) per event | 5,500,000 / 2,500,000 / 2,000,000 |
| Compensation for loss of tuition fees | 350,000 / 300,000 / 200,000 |
| Travel to visit a patient in hospital | 350,000 / 300,000 / 200,000 |
| Accidental death, dismemberment, loss of sight and total permanent disability | 3,000,000 / 2,000,000 / 1,500,000 |
| Emergency evacuation or return to Thailand, including repatriation of remains to Thailand | 5,500,000 / 4,000,000 / 3,000,000 |
| Baggage and belongings while using public carriers (total / per item) | 100,000 / 60,000 / 40,000 (per item 10,000 / 8,000 / 5,000) |
| Third-party liability | 1,000,000, all plans |
| Flight delay / missed connection (2,000 paid for every 6 hours) | 10,000 / 10,000 / Not covered |
The hospital visit benefit includes necessary fare, accommodation and meals, up to THB 5,000 per day or THB 50,000 per event. Baggage has no excess, and there is the MSIG Assist service 24 hours worldwide, tel. +66 (0) 2039 5704.
How much is MSIG overseas student insurance?
Premiums per policy, including stamp duty and VAT. Data as at 15 October 2026
| Period of cover | Student 1 / Student 2 / Student 3 (THB) |
|---|---|
| Up to 3 months | 12,200 / 6,000 / 4,700 |
| Up to 6 months | 19,950 / 9,950 / 7,450 |
| Up to 11 months | 36,850 / 18,150 / 13,750 |
| Up to 12 months | 39,900 / 19,900 / 14,900 |
| Up to 18 months | 59,850 / 29,850 / 22,350 |
| Up to 24 months | 79,800 / 39,800 / 29,800 |
Every figure is a starting premium. The full table has every month from 3 to 24 months. The actual premium depends on the plan, the duration, the information on the application form and the insurer's underwriting decision.
Worked example: a child studying a language for 11 months, choosing Student 2
- Buying 11 months costs THB 18,150 and buying 12 months costs THB 19,900, a difference of 19,900 − 18,150 = THB 1,750
- Only plans of 1 year or longer cover medical expenses in Thailand within 90 days when the student returns to Thailand temporarily and has to go back to continue studying, up to THB 200,000
- If your child studies for 2 years, buying 24 months once costs THB 39,800, the same as buying 12 months twice: 19,900 × 2 = THB 39,800, but you don't have to worry about renewing midway.
- Average for the 12-month plan 19,900 ÷ 12 = about THB 1,658 per month
This example is for illustration only. If your child studies for almost a full year and may come back to Thailand during the holidays, the THB 1,750 difference buys medical cover in Thailand that the shorter plan does not have.
Which should you choose: Student 1, 2 or 3?
Medical expenses are the first figure to compare with the cost of treatment in your destination country. For countries where treatment costs are very high, Student 1 gives medical expenses of THB 5,500,000. Student 3 has the lowest premium but does not cover flight delay or missed connections. Some institutions set a minimum insurance limit, so check with the institution before you choose.
Who is MSIG overseas study insurance for?
- Secondary school or university students going abroad to study for 3 months to 2 years
- People going to study a language or a vocational course at a recognised institution
- Parents who want travel costs covered for visiting their child in hospital
- Adults aged up to 50 who are going back to do a master's degree or a long course
Who should not buy this plan yet?
- People travelling for tourism or a short study visit without enrolling in a course: see MSIG Travel Easy Plus travel insurance or Chubb international travel insurance, 6 plans
- People who will start their journey from another country, not from Thailand: the conditions accept only those who start from Thailand
- People with a disabled body part or who are not in full health do not meet the underwriting criteria
- People going to study in, or travel through, a country that is not covered, such as Israel, Iran, Iraq, Pakistan, Uzbekistan and Kyrgyzstan
- People who need to study for more than 2 years on one policy: this plan can be bought for 24 months at most
Limits to check before you decide
- Medical expenses in Thailand on a temporary return are covered only by plans of 1 year or longer, within 90 days, up to THB 200,000
- Emergency evacuation and repatriation of remains to Thailand share one combined limit
- Student 3 does not cover flight delay or missed connections
- Only 1 policy can be held at a time, and the insured must actually be enrolled to study
- Travel to, through or within 17 countries is not covered: Afghanistan, Azerbaijan, Cuba, Iraq, Israel, Kyrgyzstan, Lebanon, Libya, Nicaragua, North Korea, Pakistan, Palestine, Syria, Tajikistan, Turkmenistan, Uzbekistan and Iran
Want to know the actual premium? What do you need to send?
Send just 3 things
- The student's date of birth
- The country and institution where the student will study
- Departure date and length of study
Our team will compare the 3 plans against the actual length of study and send you a written quote within a business day. If the institution sets a minimum cover limit, send the document too and we will check it for you.
LINE Official: @prakanthai · Tel. +66 2 459 2223
Frequently asked questions
My child is 12 and is going on a summer course. Can they take this plan?
No. This plan accepts ages 13–50.
Can I buy it after my child has already flown?
The conditions require the insured to begin the journey from Thailand. Arrange it before the departure date.
What is tuition compensation?
It is a benefit for when the student has to stop studying (Study Interruption), with a limit of THB 200,000–350,000 depending on the plan. The events that qualify follow the policy.
If the student comes home to Thailand for the holidays and falls ill, can they claim?
If you buy a plan of 1 year or longer, medical expenses in Thailand within 90 days during a temporary return, when the student has to go back to continue studying, are covered up to THB 200,000.
Can I buy 2 policies to increase the limit?
No. Only 1 policy can be held at a time.
Who approves claims: Prakanthai.com or MSIG?
Underwriting and claim payments are decided by MSIG Insurance. As your broker, Prakanthai.com helps coordinate and follows up for you.
Notes
The coverage and premium information on this page is based on MSIG Insurance (Thailand) Public Company Limited's product information for TRAVEL EASY OVERSEAS STUDENT travel insurance as at 15 October 2026. It is general information and not part of the insurance contract. Premiums and conditions may change as announced by the insurer. Underwriting and claim payments are decided by the insurer. Prakanthai.com is a non-life insurance broker, not an insurer, licence no. 5104000004, providing services since 2004. Please read the policy and the quote in full before deciding.