You should insure your luggage, personal possessions and money before leaving your home country, as risks in large countries can be considerable, especially if you are unfamiliar with the UK. If this is not possible, ask your bank or student welfare officer for advice. Make sure you really understand the conditions of any insurance policy – if necessary, have it explained to you fully before you sign any forms.

You should consider taking out health insurance in case you need private medical treatment, although some health care services in the UK are free of charge. It is also advisable to obtain annual medical and accident insurance.

Marsh specialise in insurance for students. See the full range of options available to international students and download application forms at  http://www.marsh.com.hk/study_abroad_protection.html. For more details please call the dedicated Marsh international student helpline on +852 2301 7680.

You may of course choose to explore alternative insurance policies from other insurance companies.