Affordable International Student Insurance Plan
If you are an international student traveling to the United States for studies, one aspect of American life might shock you more than others. Not the lifestyle or the culture, but the cost of medical treatment! You will be required to carry international student health insurance, which is available through several plans to suit your budget.
In the United States, several universities require that a student have insurance prior to registering for courses. With low costs and a range of deductibles, international student health insurance plans are especially tailored toward international students studying at U.S. universities and colleges students on F1 visas, and their dependents, on F2 visas. The plans, however, can also be purchased by students in study abroad programs in other countries.
The student can choose a plan most suited to his/her needs. There is a range of deductibles from zero to $2500, and plans can be purchased for periods ranging from 5 days to 3 years. Unless a change in situation renders the student ineligible, the plans are generally renewable until the student remains in college.
Dependents can also be insured along with the student. International student health insurance plans generally provide basic coverage such as doctor visits, hospital admission, prescription drugs, and emergency medical evacuation. Unlike visitor plans, most international student insurance plans cover previously existing conditions and pregnancy.
Selecting an insurance plan can be confusing for you, and to help you along, agencies which administers international student insurance plans, provides a Compare option. With this, you can view the relative merits and demerits of different plans at a glance.
Sometimes, universities and colleges specify some prerequisite benefits for a student health insurance plan. If a student sends across a list of these specifications, agencies can also match the requirements to available student health insurance plans. If a student is an adventurous sports enthusiast, then he/she can also purchase extra hazardous sports coverage.
The applicant can purchase international student health insurance using an online portal, fax, or snail mail. Acceptable payment methods include checks, wire transfers, credit cards, and money orders. Most medical care can directly be applied to the plan, and does not require payment by the student at the time of treatment, a huge advantage for students.
Your international student insurance plans are underwritten by companies such as Nationwide, Lloyd’s and AIG, which are rated high by the most trusted name in insurance ratings, A.M. Best Company.