Dear MS in Business:
You terminology, such as MS (Master of Science), and your inquiry in general indicate that you are referring to further education in the US.
Most business schools in the US offer MS programs in one or more of your areas of interest. You can find the
List of Business Schools in the US in the
iMahal Education Channel. You can also use the
iMahal College Finder in the
iMahal Education Channel to identify colleges that best match your performance and personal needs. You would be required, generally speaking, to take the GRE (Graduate Record Exam), a standardized entrance exam.
Finding graduate business programs that happen to have a specialty in insurance is difficult. If you search the Web, you may find lists of colleges, such as the following:
But your question makes it clear that you are not sure if it is insurance you want to study. You listed at least four areas that interest you. We recommend that you pick one and proceed from there.
You are quite right in noting the financial aid for foreign students for MBA in the US is virtually non-existent. You have a better chance of obtaining financial aid for other programs in business. Your chances of obtaining financial aid depend on your past academic performance and performance on the GRE.