Forex & Insurance

Forex & Currency Exchange 💵

Financial proof and accessible funds are critical for visa success and initial settlement. We partner with financial institutions to simplify foreign exchange.

• Visa-Compliant Financial Proof:
• We guide you on transferring the required funds to your overseas account or securing a Guaranteed Investment Certificate (GIC) for Canada's study permit.
• We ensure your bank drafts and loan disbursement documents are in the correct currency and are formally endorsed to meet the strict visa requirements (e.g., UKVI 28-day rule or US F-1 funds visibility).
• Currency Conversion & Best Rates:
• We arrange for secure and competitive Foreign Exchange (Forex) services, helping you convert large amounts for tuition and initial living costs at the best possible rates, avoiding high airport fees.
• International Money Solutions:
• Assistance in securing Multi-Currency Forex Cards that protect you against exchange rate fluctuations and are safer than carrying large amounts of cash.
• Guidance on using reliable international transfer services to pay tuition fees and living expenses to your university's bank account.
• Cash for Arrival:
• We facilitate the purchase of a small amount of local currency cash for immediate expenses upon arrival (taxi, short-term accommodation), providing peace of mind.

🛡️ Travel Insurance & Health Cover Services

Travel and health insurance is a mandatory requirement for a student visa in most countries (Australia, UK, New Zealand, and for J-1 visa in the USA). Our service ensures you secure a policy that meets the strict government and university criteria, protecting you from significant unexpected costs abroad.

1. Mandatory Health Cover Guidance (OSHC/OSHC)

For certain countries, a specific type of health cover is legally required to grant the student visa. We specialize in securing these compliant policies.

Australia: Overseas Student Health Cover (OSHC)

• Mandatory Requirement: It is a strict condition of the Subclass 500 Student Visa that you maintain OSHC for the entire duration of your stay.
• Coverage Focus: OSHC must cover you for medical and hospital care, ambulance services, and some pharmaceuticals.
• Our Service: We work with all Government-Approved OSHC Providers (e.g., Allianz, Bupa, Medibank) to ensure your policy duration aligns perfectly with your Confirmation of Enrolment (CoE) and visa period, which is essential for visa approval.

New Zealand: Overseas Student Health Cover (OSHC)

• Visa Condition: Students are required to have acceptable medical and travel insurance for the duration of their student visa.
• Our Service: We assist in selecting a policy that complies with the New Zealand Qualifications Authority (NZQA) Code of Practice, ensuring it meets the minimum standards for medical costs, repatriation, and travel-related incidents.

2. Comprehensive Global Travel Insurance

For the USA, Canada, UK, and for any short-term gap not covered by a country's main health scheme, we arrange comprehensive travel insurance that provides coverage beyond basic medical care.

Coverage Category	Why It's Crucial for Students	Our Role
Emergency Medical & Hospitalization	Protects against the high cost of healthcare in countries like the USA, covering doctors' visits, surgery, and hospital stays for unexpected illness or injury.	We ensure a high maximum coverage limit and low/zero deductible options to minimize your out-of-pocket expenses.
Emergency Medical Evacuation	Covers the cost of emergency transport to the nearest qualified medical facility or repatriation (return) to your home country if medically necessary.	We prioritize plans with 24/7 global assistance for seamless coordination during a crisis.
Trip Cancellation/Interruption	Reimburses pre-paid, non-refundable expenses (flights, accommodation, tuition fees) if your trip is canceled or cut short due to covered reasons (e.g., a family emergency, visa refusal).	This is critical protection for the significant financial investment in your education, often covering up to the full tuition amount.
Personal Accident & Liability	Provides compensation for accidental death or dismemberment, and covers liability if you accidentally cause injury to a third party or damage their property.	We ensure the policy includes personal liability—a highly recommended safeguard when living abroad.
Baggage & Personal Effects	Covers loss, theft, or damage to your luggage, passport, and vital academic documents during transit.	We confirm coverage includes essential items like laptops and academic supplies.

3. Our Value-Added Insurance Services

We don't just process paperwork; we provide expert advisory to get you the right coverage at the best value.

• Compliant Policy Selection: We ensure the policy meets every specific rule (e.g., J-1 visa requirement minimums, Australia's visa-length coverage), preventing visa refusal due to inadequate insurance.
• Comparison & Savings: We partner with leading international insurance providers to compare multiple plans, helping you secure the most competitive premium without compromising essential coverage.
• Dependent Coverage: If your spouse or children are traveling with you, we ensure the family policy includes the necessary Dependent Health Cover, a mandatory requirement for their respective visas (e.g., Subclass 500 Subsequent Entrant).
• Documentation Support: We provide the official, approved Visa Letter from the insurer, formatted correctly, to be submitted directly with your visa application.