| Quote: | |  | |
| In particular carefully read the conditions and see if any of the exclusions might apply to you. For example, pre-existing medical conditions are excluded and things like mountain hiking without a guide, canoeing and any self defence sports are all considered dangerous and excluded. | |
| | |
You made an excellent summary of this health insurance, but I just wanted to respond to this one point. Wouldn't anything that happened while participating in the sports that you list all be covered under accident insurance? I believe most people have accident insurance through their employer; many of the students that are here from other countries are PhD students, and so they are being paid by the university and would have accident insurance because of that (at least, this is the case for the PhD students that I know). Are there other ways in which a student who is not employed could get accident insurance to fill in the hole in this insurance?