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Date: Fri, 10 Apr 2026 11:00:10 +0200
From: Vikas from Fintiba <friends@fintiba.com>
Reply-To: no-reply@fintiba.com
To: info@otec.edu.gh
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Subject: =?utf-8?Q?Health_insurance_requirements_for_visa=C2=A0?=
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 Content preview:  Most students don_t realize it, but choosing the wrong type
    of insurance is one of the most common reasons for delays... Health insurance
    requirements for visa Private vs. Public insurance 
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------=_Part_8584_150276633.1775811609544
Content-Type: text/plain; charset=utf-8
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Most students don=E2=80=99t realize it, but choosing the wrong type of insu=
rance is one of the most common reasons for delays...

Health insurance requirements for visa

Private vs. Public insurance

Hi Salim,

Most students don=E2=80=99t realise it, but choosing the wrong type of insu=
rance is one of the most common reasons for visa delays or even rejections.

Here is what you need to know:

=F0=9F=94=B0 Public health insurance

=E2=9C=94=EF=B8=8F If you are under 30 this will be the right insurance for=
 you

=E2=9C=94=EF=B8=8F Covers all the medical care you need, from doctor visits=
 to essential treatments

=E2=9C=94=EF=B8=8F Needed for your visa: don=E2=80=99t forget to have it al=
ongside your travel health insurance

=F0=9F=94=B0 Private health insurance

=E2=9C=94=EF=B8=8F If you=E2=80=99re over 30, this is the insurance you=E2=
=80=99ll need to study in Germany.

=E2=9C=94=EF=B8=8F If you are in preparatory programs, Studienkolleg, or la=
nguage courses, you also need this insurance

=E2=9C=94=EF=B8=8F Required for your visa as well as the travel insurance

=E2=9D=97=EF=B8=8FAfter your Studienkolleg or a language/preparatory course=
, you will be able to switch to public insurance and enrol at your universi=
ty in Germany.

Simplify your visa with Fintiba Plus - all in one package =E2=9C=94=EF=B8=
=8F

GET FINTIBA PLUS
(https://mail.fintiba.com/e3t/Ctc/ZX+113/djTR--04/VWk1wc2GKN3zN9dvXyt6Kpt-W=
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s8W04 )

1080 x 1350 META -2 (https://mail.fintiba.com/e3t/Ctc/ZX+113/djTR--04/VWk1w=
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=E2=9C=94=EF=B8=8F Compare your options and get the best coverage for your =
student life

What is the right insurance for a visa and enrollment? (https://mail.fintib=
a.com/e3t/Ctc/ZX+113/djTR--04/VWk1wc2GKN3zN9dvXyt6Kpt-W89-nNw5MJ7-YN2lhp263=
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f7NdNHn04 ) - Choose the right options and compare the types to avoid delay=
s

Health insurance for Studienkolleg and Uni Students (https://mail.fintiba.c=
om/e3t/Ctc/ZX+113/djTR--04/VWk1wc2GKN3zN9dvXyt6Kpt-W89-nNw5MJ7-YN2lhp263prC=
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qBK04 )   - Find out what is the right choice for your case

Stay tuned for more insights to help you plan your move with confidence.

Vikas

Your Companion - The Visa Expert

facebook (https://mail.fintiba.com/e3t/Ctc/ZX+113/djTR--04/VWk1wc2GKN3zN9dv=
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With =F0=9F=92=9C from Frankfurt

Fintiba GmbH | Wilhelm-Leuschner-Stra=C3=9Fe 29 | 60329 Frankfurt a. M. | H=
essen | Deutschland | +49 69 204342620

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e_module" style=3D"color: inherit; font-size: inherit; line-height: inherit=
;" data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div id=
=3D"hs_cos_wrapper_module_17603234001913_" class=3D"hs_cos_wrapper hs_cos_w=
rapper_widget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; font-=
size: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" d=
ata-hs-cos-type=3D"rich_text"><p style=3D"line-height:175%"><span style=3D"=
font-family: Lato, Tahoma, sans-serif;">Hi Salim,</span></p>
<p data-start=3D"787" data-end=3D"934" style=3D"line-height:175%">Most stud=
ents don=E2=80=99t realise it, but choosing the wrong type of insurance is =
one of the <span style=3D"font-weight: bold; color: #148498;">most common r=
easons for&nbsp;</span><span style=3D"box-sizing: border-box; margin: 0px; =
padding: 0px;"><strong><span style=3D"color: #148498;">visa delays</span></=
strong>&nbsp;or even rejections</span>.</p>
<p data-start=3D"787" data-end=3D"934" style=3D"line-height:175%">Here is w=
hat you need to know:</p></div></div></td></tr></tbody></table>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section_1765294136732" class=3D"hse-section" style=3D"padding-=
left:10px; padding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#ffffff" bgcolor=3D"#ffffff">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" width=3D"600" bgcolor=3D"#ffffff">
      <tr style=3D"background-color:#ffffff;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"top" style=3D"width:300px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"300" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:300px">
<![endif]-->
<div id=3D"column_1765294136732_0" class=3D"hse-column hse-size-6">
    <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D=
"font-family:Lato, Tahoma, sans-serif; font-size:15px; color:#54575d; word-=
break:break-word; padding:10px 20px"><div id=3D"hs_cos_wrapper_module_17652=
941426501" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_typ=
e_module" style=3D"color: inherit; font-size: inherit; line-height: inherit=
;" data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div id=
=3D"hs_cos_wrapper_module_17652941426501_" class=3D"hs_cos_wrapper hs_cos_w=
rapper_widget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; font-=
size: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" d=
ata-hs-cos-type=3D"rich_text"><h2 style=3D"margin:0; line-height:175%; font=
-size:22px; color:#0b82a0"><span style=3D"color: #148498;">=F0=9F=94=B0<spa=
n style=3D"font-size: 20px;"> Public health insurance</span></span></h2>
<p style=3D"line-height:175%; font-weight:normal" data-start=3D"77" data-en=
d=3D"184">=E2=9C=94=EF=B8=8F If you are <span style=3D"font-weight: bold; c=
olor: #148498;">under 30</span>&nbsp;this will be the right insurance for y=
ou</p>
<p style=3D"line-height:175%; font-weight:normal" data-start=3D"77" data-en=
d=3D"184">=E2=9C=94=EF=B8=8F Covers all the medical care you need, from doc=
tor visits to essential treatments</p>
<p data-start=3D"278" data-end=3D"370" style=3D"line-height:175%"><span sty=
le=3D"font-weight: normal;">=E2=9C=94=EF=B8=8F Needed for your visa: don=E2=
=80=99t forget to have it alongside your travel health insurance</span></p>=
</div></div></td></tr></tbody></table>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
<!--[if (mso)|(IE)]>
  <td valign=3D"top" style=3D"width:300px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"300" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:300px">
<![endif]-->
<div id=3D"column_1765294136732_1" class=3D"hse-column hse-size-6">
    <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D=
"font-family:Lato, Tahoma, sans-serif; font-size:15px; color:#54575d; word-=
break:break-word; padding:10px 20px"><div id=3D"hs_cos_wrapper_module_17652=
941945052" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_typ=
e_module" style=3D"color: inherit; font-size: inherit; line-height: inherit=
;" data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div id=
=3D"hs_cos_wrapper_module_17652941945052_" class=3D"hs_cos_wrapper hs_cos_w=
rapper_widget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; font-=
size: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" d=
ata-hs-cos-type=3D"rich_text"><h2 style=3D"margin:0; line-height:175%; font=
-size:22px; color:#0b82a0"><span style=3D"color: #148498;">=F0=9F=94=B0 <sp=
an style=3D"font-size: 20px;">Private health insurance</span></span></h2>
<p style=3D"line-height:175%; font-weight:normal" data-start=3D"81" data-en=
d=3D"161">=E2=9C=94=EF=B8=8F If you=E2=80=99re <span style=3D"color: #14849=
8; font-weight: bold;">over 30,</span> this is the insurance you=E2=80=99ll=
 need to study in Germany.</p>
<p style=3D"line-height:175%; font-weight:normal" data-start=3D"164" data-e=
nd=3D"277">=E2=9C=94=EF=B8=8F If you are&nbsp;in <span style=3D"font-weight=
: bold;"><span style=3D"color: #148498;">preparatory programs, Studienkolle=
g</span></span>, or <span style=3D"font-weight: bold; color: #148498;">lang=
uage courses</span><span style=3D"box-sizing: border-box; margin: 0px; padd=
ing: 0px;"><strong><span style=3D"color: #148498;">,</span></strong></span>=
&nbsp;you also need this insurance</p>
<p style=3D"line-height:175%; font-weight:normal" data-start=3D"280" data-e=
nd=3D"373">=E2=9C=94=EF=B8=8F Required for your visa as well as the travel =
insurance</p></div></div></td></tr></tbody></table>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section_1764931308350" class=3D"hse-section" style=3D"padding-=
left:10px; padding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#E6F4F7; padding-bottom:10px; pad=
ding-top:5px" bgcolor=3D"#E6F4F7">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" width=3D"600" bgcolor=3D"#E6F4F7">
      <tr style=3D"background-color:#E6F4F7;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"bottom" style=3D"width:600px;padding-bottom:10px; padding-t=
op:5px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"600" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:600px">
<![endif]-->
<div id=3D"column_1764931308350_0" class=3D"hse-column hse-size-12" style=
=3D"vertical-align: bottom;">
    <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D=
"font-family:Lato, Tahoma, sans-serif; font-size:15px; color:#54575d; word-=
break:break-word; padding:10px 20px"><div id=3D"hs_cos_wrapper_module_17649=
313083302" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_typ=
e_module" style=3D"color: inherit; font-size: inherit; line-height: inherit=
;" data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div id=
=3D"hs_cos_wrapper_module_17649313083302_" class=3D"hs_cos_wrapper hs_cos_w=
rapper_widget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; font-=
size: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" d=
ata-hs-cos-type=3D"rich_text"><p data-pm-slice=3D"0 0 []" style=3D"line-hei=
ght:175%">=E2=9D=97=EF=B8=8F<span style=3D"font-weight: bold;">After </span=
><span style=3D"font-weight: normal;">your Studienkolleg </span>or a langua=
ge/preparatory course, you will be able to switch to public insurance and e=
nrol at your university in Germany.</p></div></div></td></tr></tbody></tabl=
e>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section_17652940958375" class=3D"hse-section" style=3D"padding=
-left:10px; padding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#ffffff; padding-bottom:30px; pad=
ding-top:5px" bgcolor=3D"#ffffff">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" width=3D"600" bgcolor=3D"#ffffff">
      <tr style=3D"background-color:#ffffff;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"top" style=3D"width:300px;padding-bottom:30px; padding-top:=
5px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"300" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:300px">
<![endif]-->
<div id=3D"column-1765294095837-0" class=3D"hse-column hse-size-6">
    <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D=
"font-family:Lato, Tahoma, sans-serif; font-size:15px; color:#54575d; word-=
break:break-word; padding:30px 20px 10px"><div id=3D"hs_cos_wrapper_module_=
17652940958372" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrappe=
r_type_module" style=3D"color: inherit; font-size: inherit; line-height: in=
herit;" data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><di=
v id=3D"hs_cos_wrapper_module_17652940958372_" class=3D"hs_cos_wrapper hs_c=
os_wrapper_widget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; f=
ont-size: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widge=
t" data-hs-cos-type=3D"rich_text"><h2 style=3D"margin:0; color:#0b82a0; fon=
t-size:18px; line-height:175%"><span style=3D"color: #5a5a5a;"><span style=
=3D"color: #148498;"><span style=3D"caret-color: #148498;"><span style=3D"c=
olor: #5a5a5a;">Simplify your visa with Fintiba Plus - all in one package =
=E2=9C=94=EF=B8=8F</span></span></span></span></h2>
<p style=3D"line-height:175%; text-align:left; font-weight:normal" align=3D=
"left"><span style=3D"color: #5a5a5a; font-size: 18px;"><span style=3D"colo=
r: #148498;"><span style=3D"caret-color: #148498;"><span style=3D"color: #5=
a5a5a;">&nbsp;</span></span></span></span></p></div></div></td></tr></tbody=
></table>
  <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=3D=
"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D"fo=
nt-family:Lato, Tahoma, sans-serif; font-size:15px; color:#54575d; word-bre=
ak:break-word; padding:10px 20px"><div id=3D"hs_cos_wrapper_module_17652940=
958373" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_m=
odule" style=3D"color: inherit; font-size: inherit; line-height: inherit;" =
data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><table alig=
n=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"prese=
ntation" style=3D"border-collapse:separate!important">
    <tbody><tr>
      <td align=3D"center" valign=3D"middle" bgcolor=3D"#0b82a0" style=3D"f=
ont-family:Lato, Tahoma, sans-serif; font-size:15px; color:#54575d; word-br=
eak:break-word; border-radius:8px; cursor:auto; background-color:#0b82a0; m=
so-padding-alt:12px 18px">
        <a href=3D"https://mail.fintiba.com/e3t/Ctc/ZX+113/djTR--04/VWk1wc2=
GKN3zN9dvXyt6Kpt-W89-nNw5MJ7-YN2lhp263qgz0W8wLKSR6lZ3m0W89ySYQ2z23KDW24rJKK=
6lR48ZW4K-70p7X0XGRW2G2VGH88sjv7W8LLd8Z5Xh4fRW4DnkHC7JQ10BW12ZnQJ4WVl2CW30y=
dVj82DGwWW2SwB_h8sb5svW4wygmX54ST3WW1SP3Cm3Cp_ypW6q11R06zv-37W6HG3444qkdvJW=
4Dkd3W1vHQ_DW2h3dSX2qypcmW29mQX-2f3GZfW2875xs5QCmdYN7GNH2WGjgw1W7dLvcz8HxD-=
tW76DW-11t_l1TW5fk5r95mJMRVW7PMpVd3jMBYPW80-Bk11KGWFnN78D09R8ZQ_BW2PKmy-1KP=
GRGW21yhW34J0X22N4S5YWTPg4FJW853ZbW8rKFFdf5YF91q04" target=3D"_blank" style=
=3D"color:#00a4bd; font-size:16px; font-family:Trebuchet MS, sans-serif; Ma=
rgin:0; text-transform:none; text-decoration:none; padding:12px 18px; displ=
ay:block" data-hs-link-id=3D"0" data-hs-link-id-v2=3D"6WALItkv">
          <strong style=3D"color:#ffffff;font-weight:bold;text-decoration:n=
one;font-style:normal;">GET FINTIBA PLUS</strong>
        </a>
      </td>
    </tr>
  </tbody></table></div></td></tr></tbody></table>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
<!--[if (mso)|(IE)]>
  <td valign=3D"top" style=3D"width:300px;padding-bottom:30px; padding-top:=
5px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"300" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:300px">
<![endif]-->
<div id=3D"column-1765294095837-1" class=3D"hse-column hse-size-6">
  <div id=3D"hs_cos_wrapper_module_17652940958374" class=3D"hs_cos_wrapper =
hs_cos_wrapper_widget hs_cos_wrapper_type_module" style=3D"color: inherit; =
font-size: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widg=
et" data-hs-cos-type=3D"module"><table class=3D"hse-image-wrapper" role=3D"=
presentation" width=3D"100%" cellpadding=3D"0" cellspacing=3D"0">
  <tbody>
    <tr>
      <td class=3D"hs_padded" align=3D"center" valign=3D"top" style=3D"font=
-family:Lato, Tahoma, sans-serif; color:#54575d; word-break:break-word; tex=
t-align:center; padding:10px 20px; font-size:0px">
        <a href=3D"https://mail.fintiba.com/e3t/Ctc/ZX+113/djTR--04/VWk1wc2=
GKN3zN9dvXyt6Kpt-W89-nNw5MJ7-YN2lhp1x3qgz0W7lCdLW6lZ3mwV45_fD1skJWLW9bvHwM1=
s9szqW5jP8831mLbXTW6mpdx18HdBPnW4Mbf1Z3F2GtyW6qy3mk812Jb9W4cRVHF1BZxylW42--=
XY6yt6x0W68pywP5vH3THW8mP63J5ghnvdVYyhbY8zH9GMW7cN0xK1V1yNKW8Hvdzb4gRdLNW2c=
nyx64CpsmQW6VTMc660dlSMW4KmNrx8DV9DNW1zjXXg3nm1FYW8rSW0C5VRB8VN50tts-BG1DMW=
551Tq23jTZB6W8zc8Y-43KYJHW3C5Smg5CR2NNW4q3B851x1RvQW3KDnGp6RsFl3f8wqlsM04" =
target=3D"_blank" style=3D"color:#00a4bd" data-hs-link-id=3D"0" data-hs-lin=
k-id-v2=3D"cWksTCfK">
        <img alt=3D"1080 x 1350 META -2" src=3D"https://mail.fintiba.com/hs=
-fs/hubfs/1080%20x%201350%20META%20-2.png?width=3D520&amp;upscale=3Dtrue&am=
p;name=3D1080%20x%201350%20META%20-2.png" style=3D"outline:none; text-decor=
ation:none; border:none; max-width:100%; font-size:16px" width=3D"260" alig=
n=3D"middle">
        </a>
      </td>
    </tr>
  </tbody>
</table></div>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section_1764937786462" class=3D"hse-section" style=3D"padding-=
left:10px; padding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#E6F4F7; padding-bottom:10px; pad=
ding-top:5px" bgcolor=3D"#E6F4F7">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" width=3D"600" bgcolor=3D"#E6F4F7">
      <tr style=3D"background-color:#E6F4F7;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"bottom" style=3D"width:600px;padding-bottom:10px; padding-t=
op:5px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"600" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:600px">
<![endif]-->
<div id=3D"column_1764937786462_0" class=3D"hse-column hse-size-12" style=
=3D"vertical-align: bottom;">
    <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D=
"font-family:Lato, Tahoma, sans-serif; font-size:15px; color:#54575d; word-=
break:break-word; padding:10px 20px"><div id=3D"hs_cos_wrapper_module_17649=
377864583" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_typ=
e_module" style=3D"color: inherit; font-size: inherit; line-height: inherit=
;" data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div id=
=3D"hs_cos_wrapper_module_17649377864583_" class=3D"hs_cos_wrapper hs_cos_w=
rapper_widget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; font-=
size: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" d=
ata-hs-cos-type=3D"rich_text"><h3 style=3D"font-size:17px; margin:0; line-h=
eight:175%"><span style=3D"color: #148498;">=E2=9C=94=EF=B8=8F Compare your=
 options and get the best coverage for your student life</span></h3></div><=
/div></td></tr></tbody></table>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section_1764937925830" class=3D"hse-section" style=3D"padding-=
left:10px; padding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#FFFFFF; padding-bottom:10px; pad=
ding-top:5px" bgcolor=3D"#FFFFFF">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" width=3D"600" bgcolor=3D"#FFFFFF">
      <tr style=3D"background-color:#FFFFFF;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"bottom" style=3D"width:600px;padding-bottom:10px; padding-t=
op:5px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"600" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:600px">
<![endif]-->
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    <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D=
"font-family:Lato, Tahoma, sans-serif; font-size:15px; color:#54575d; word-=
break:break-word; padding:10px 20px"><div id=3D"hs_cos_wrapper_module_17649=
379258254" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_typ=
e_module" style=3D"color: inherit; font-size: inherit; line-height: inherit=
;" data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div id=
=3D"hs_cos_wrapper_module_17649379258254_" class=3D"hs_cos_wrapper hs_cos_w=
rapper_widget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; font-=
size: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" d=
ata-hs-cos-type=3D"rich_text"><p data-start=3D"671" data-end=3D"897" style=
=3D"line-height:175%"><a href=3D"https://mail.fintiba.com/e3t/Ctc/ZX+113/dj=
TR--04/VWk1wc2GKN3zN9dvXyt6Kpt-W89-nNw5MJ7-YN2lhp263qgz0W8wLKSR6lZ3k_W3XjBB=
84G44dGW6LxJyh8yjMVdW8Z8LjX3wqrtfN60PKxKRHGkLV6F5lC3wr3DTW5yzvFz9hlmlLW5Xcp=
Zd2XrBBTVvxJ0B4zjGghW1TjzDb2S4nGyW85yyyq3zTK0JW5psZjX8kSRRKVbf7Y73Vb2gVW4xG=
J_b3Np6kdW8jT4jG1Zx-T6W1hXDkg2Dr_F_W7B5lN22YCxSbW7y5qRW2GqYFnW5s5qRx7d6ZgfW=
92zRd_7t4_4jW2XqlRt6rFsJFW6RK0hQ15HKyzW7VHZtK3sMXbPW5nkWrX9lxSQ1VT2K2X1JBVX=
HN7pVF6BLYJW0W1CjJHM14HvjTW3l4kZp6nf8jzW2q4mMV2VXMYbf6rxqVT04" style=3D"col=
or:#0b82a0; font-weight:bold" rel=3D"noopener" data-hs-link-id=3D"0" data-h=
s-link-id-v2=3D"/830twmS" target=3D"_blank">What is the right insurance for=
 a visa and enrollment?</a> - Choose the right options and compare the type=
s to avoid delays</p>
<p data-start=3D"671" data-end=3D"897" style=3D"line-height:175%"><a href=
=3D"https://mail.fintiba.com/e3t/Ctc/ZX+113/djTR--04/VWk1wc2GKN3zN9dvXyt6Kp=
t-W89-nNw5MJ7-YN2lhp263qgz0W8wLKSR6lZ3l8W5yPrSp4Lj_LQW2JrtFV3ZjkMKW3nb3B51F=
TLBdW4mZb8V2v94swVlFWh73mNY0NVNtsn_3zXlcTW4tj4gZ34c-b2W3ygQVQ5j7KVJW3CZj3p2=
s4kzlN8ypPgf8cPqtW1VYq1D2mW4CdW4fv3wb3vKv1jW5lwBdx1hC2qhW910nBj1LYk6nW1S2-Z=
g3hKbjmW4ljv6C2RmcRsW1qRZMH2rwy8NW8Nr3v134MgF8N2KlbrjPgn6HW3qpDMj98BsN8W3RP=
kSm4BCyCNW18XtHP2h0_6sW8-TZtn2tL2D7W5PNy0b5Ng6TcW8YnjPS668W_ZW6yVhX18n4wfCW=
4PXRzY55bmCZW2QVhxp5Dp2Mjf1Q9P8004" style=3D"color:#0b82a0; font-weight:bol=
d" rel=3D"noopener" data-hs-link-id=3D"0" data-hs-link-id-v2=3D"+OtZGPGe" t=
arget=3D"_blank">Health insurance for Studienkolleg and Uni Students</a>&nb=
sp; - Find out what is the right choice for your case</p></div></div></td><=
/tr></tbody></table>
</div>
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, sans-serif; color:#54575d; word-break:break-word; text-align:center; padd=
ing:10px 20px 30px; font-size:0px">
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type_module" style=3D"color: inherit; font-size: inherit; line-height: inhe=
rit;" data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div =
id=3D"hs_cos_wrapper_module_17649289936403_" class=3D"hs_cos_wrapper hs_cos=
_wrapper_widget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; fon=
t-size: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget"=
 data-hs-cos-type=3D"rich_text"><p data-start=3D"1665" data-end=3D"1733" st=
yle=3D"line-height:175%">Stay tuned for more insights to help you plan your=
 move with confidence.</p>
<p style=3D"line-height:175%; font-weight:normal; text-align:left" align=3D=
"left"><em>&nbsp;</em></p>
<p style=3D"line-height:175%; font-weight:bold; text-align:left" align=3D"l=
eft"><span style=3D"color: #000000;">Vikas</span></p>
<p style=3D"line-height:175%; font-weight:normal; text-align:left" align=3D=
"left"><span style=3D"color: #0b82a0;"><em>Your Companion - The Visa Expert=
&nbsp;</em></span></p></div></div></td></tr></tbody></table>
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spacing=3D"0" role=3D"presentation" class=3D"hse-no-stack-row" width=3D"600=
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<![endif]-->
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=3D"0" style=3D"width:150px">
<![endif]-->
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=3D"display:table-cell; vertical-align:top; max-width:150px; width:25%">
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e=3D"widget" data-hs-cos-type=3D"module"><table class=3D"hse-image-wrapper"=
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, sans-serif; color:#54575d; word-break:break-word; text-align:center; padd=
ing:10px 20px; font-size:0px">
        <a href=3D"https://mail.fintiba.com/e3t/Ctc/ZX+113/djTR--04/VWk1wc2=
GKN3zN9dvXyt6Kpt-W89-nNw5MJ7-YN2lhp1R3qgz0W7Y8-PT6lZ3mtVh0qQw4fGQ-6VZ6DVm9k=
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5BW-T8f7tKb_P04" target=3D"_blank" style=3D"color:#00a4bd" data-hs-link-id=
=3D"0" data-hs-link-id-v2=3D"iHGCwkZO">
        <img alt=3D"facebook" src=3D"https://mail.fintiba.com/hs-fs/hubfs/f=
acebook.png?width=3D60&amp;upscale=3Dtrue&amp;name=3Dfacebook.png" style=3D=
"outline:none; text-decoration:none; border:none; max-width:100%; font-size=
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=3D"0" style=3D"width:150px">
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e=3D"widget" data-hs-cos-type=3D"module"><table class=3D"hse-image-wrapper"=
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, sans-serif; color:#54575d; word-break:break-word; text-align:center; padd=
ing:10px 20px; font-size:0px">
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GKN3zN9dvXyt6Kpt-W89-nNw5MJ7-YN2lhp1R3qgz0W7Y8-PT6lZ3nvW80Mvhy3YHHhTW36M9py=
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W3JY09C473nTQf6rVZg804" target=3D"_blank" style=3D"color:#00a4bd" data-hs-l=
ink-id=3D"0" data-hs-link-id-v2=3D"7K/VO5TO">
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a.png?width=3D60&amp;upscale=3Dtrue&amp;name=3Dinsta.png" style=3D"outline:=
none; text-decoration:none; border:none; max-width:100%; font-size:16px" wi=
dth=3D"30" align=3D"middle">
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<!--[if gte mso 9]></table><![endif]-->
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  <td valign=3D"top" style=3D"width:150px;">
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=3D"0" style=3D"width:150px">
<![endif]-->
<div id=3D"column-5-2" class=3D"hse-column hse-size-3 hse-no-stack" style=
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e=3D"widget" data-hs-cos-type=3D"module"><table class=3D"hse-image-wrapper"=
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, sans-serif; color:#54575d; word-break:break-word; text-align:center; padd=
ing:10px 20px; font-size:0px">
        <a href=3D"https://mail.fintiba.com/e3t/Ctc/ZX+113/djTR--04/VWk1wc2=
GKN3zN9dvXyt6Kpt-W89-nNw5MJ7-YN2lhp1R3qgz0W7Y8-PT6lZ3mwV7c-lx4p56tYW2NL0pr4=
ttcRsW2ryP353KQ5gMVSZWbf7SsB_TW62bbTC978LZ-W6rHvXM1NXrTDW1_j-fZ3PmngvW6tV_k=
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C6nCp1MszJNf7K2lwq04" target=3D"_blank" style=3D"color:#00a4bd" data-hs-lin=
k-id=3D"0" data-hs-link-id-v2=3D"toKIxXMz">
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png?width=3D60&amp;upscale=3Dtrue&amp;name=3Dxing.png" style=3D"outline:non=
e; text-decoration:none; border:none; max-width:100%; font-size:16px" width=
=3D"30" align=3D"middle">
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<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
<!--[if (mso)|(IE)]>
  <td valign=3D"top" style=3D"width:150px;">
<![endif]-->
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=3D"0" style=3D"width:150px">
<![endif]-->
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  <div id=3D"hs_cos_wrapper_module-5-3-0" class=3D"hs_cos_wrapper hs_cos_wr=
apper_widget hs_cos_wrapper_type_module" style=3D"color: inherit; font-size=
: inherit; line-height: inherit;table-layout:fixed" data-hs-cos-general-typ=
e=3D"widget" data-hs-cos-type=3D"module"><table class=3D"hse-image-wrapper"=
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      <td align=3D"center" valign=3D"top" style=3D"font-family:Lato, Tahoma=
, sans-serif; color:#54575d; word-break:break-word; text-align:center; padd=
ing:10px 20px; font-size:0px">
        <a href=3D"https://mail.fintiba.com/e3t/Ctc/ZX+113/djTR--04/VWk1wc2=
GKN3zN9dvXyt6Kpt-W89-nNw5MJ7-YN2lhp263qgz0W8wLKSR6lZ3kWW83PdCh3-MYmbW6X5fzQ=
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q7XdnVFN3kGjs--wTVXN4KPZL0DH0_YW5xch6J7dpW7fN5FmwXZJXlrYW8rLxRL7MrsP5W3wfL3=
_7XL0xSN7NKX3f2G00BW3-9Ytq6gFqXVW5C2Sp-8GGxPpW3Zs22p41zfYVW5qH1Qr3slvKyN1c6=
h3XWbCWdW7wjrv39c3F0RV98zFY1mFbHbW6G-gL38bz-ggW1wNRGC7zy9jkW71R-Yx2l_1dXW72=
7pMW95g9LnW8HmpBT2ZkSz-W9jK9S-1MGs1-f7Cffs404" target=3D"_blank" style=3D"c=
olor:#00a4bd" data-hs-link-id=3D"0" data-hs-link-id-v2=3D"Fe3Tjvjs">
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utube.png?width=3D60&amp;upscale=3Dtrue&amp;name=3Dyoutube.png" style=3D"ou=
tline:none; text-decoration:none; border:none; max-width:100%; font-size:16=
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<!--[if gte mso 9]></table><![endif]-->
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ding-left:10px; padding-right:10px">
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   =20
    <!--[if (mso)|(IE)]>
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