Why is the need for international student health insurance?
Irrespective of the age you are, how well is the health conditions and how well traveled you are, the risk of unexpected medical emergencies is unavoidable. Such risks in the United States is not easy to handle without proper medical insurance.
“Uninsured -anticipate for your pockets to be Deep” Medical and healthcare facilities are very expensive in US. In case the student has a medical emergency or illness on campus, the student will have to pay for the medical bills from his or her personal funds which can be very expensive.
Fulfill the visa requirements on health insurances
Having proper student medical insurance is one of the requirements for the visa approval while applying for the US student visa. The student medical insurance will differ based of the visa status of the student.
A J1 visa student must have adequate student medical insurance fulfilling all requirements set by the visa authorities and the US department of State. Whereas a student with F1 the student medical insurance is determined by the educational institution the standards. So check carefully if the student insurance you are purchasing meets the visa requirements as well.
What does the student insurance cover you for?
For international students in the United State most US insurance companies design their plans to provide coverage that meets the requirement of the students, however checking closely and understanding what coverage is required for the insured is crucial. A student medical insurance in US covers all unexpected illness and injuries. Preventive care and wellness care is usually not provided in student insurance covers. All charges relating to emergency treatment given to the insured will be payable by the insurance coverage. If the student has any pre-existing health conditions be conscious of buying an insurance plan which covers the prospective medical needs such as prescription drugs. Additional coverage for eye, dental, emergency evacuation, repatriation of the remains or trip interruptions etc. should be purchased separately with an extra premium.
Choose a high quality and trustworthy student medical insurance provider.
It is of utmost important to choose a high quality student insurance product with a trustworthy insurance provider. One can find numerous channels to purchase student health insurance cover for international students, however deciding who is trustworthy amongst those is a difficult task. To help you with that America student insurance is an trusted platform where you can get insurance quotes from different highly reputed US insurance provider. These insurance providers offer international students with insurance quotes that are competitive, and at an affordable price while fulfilling the requirements of international student medical insurance. At America student insurance, you can get from the most basic coverage to a comprehensive cover with maximum benefits. The plans are self-explanatory and easy to understand for a student. It is therefore advisable to be extra cautious while purchasing a student medical insurance as this may be factor to regret in future if ignored.
Do not delay getting insured
Given the unpredictable nature of our healthcare needs, it is important to stay insured at all times. Getting the student medical insurance while applying for the concerned student visa is best. In any event, having proper student medical insurance is a requirement to apply for the US student visa approval.
Remaining eligible for the student insurance.
Few insurance providers in US have distinctive suitability credentials such as the number of attended hours in a class each week that determine the eligibility for an insurance. So make sure you check for the eligibility criteria well, if you cannot follow them then it’s a waste of money.
Student insurance terminology
While the student is getting to learn a lot on the international student medical insurance, you also need to understand few important terms in insurance parlance:
- Premium: Is the mount that you pay for the coverage you are purchasing. It can be monthly or annually.
- Co-payment or co-pay: A percentage of fixed amount has to be paid by the insured for the medical services rendered.
- Claim: Is to apply for settlement or payout in case treatment availed due to any medical emergency or injury. Proofs are usually required for complete the process of claiming
- Co-Insurance: Further to the deductible some insurance covers might include co-insurance which usually a percentage that you will be paying after the deductible is reached the limit or exceeded.
- In and out of network: In US all student medical insurance will fall under one of the categories Health Maintenance Organizations-HMO or Preferred Provider Organization-PPO which means if the procedures are performed by definite individuals who are in and out of network the rates differ for the service
- Deductible: A predetermined price that needs to be paid before the insurance starts. This will impact the premium, the monthly payable will be lesser if the deductible is higher.
Understanding Legal Jargon
At time even brilliant students can misunderstand the American student health insurance coverage provided by the insurer hence its best to discuss the cover you want to buy with the insurance advisor you may know to understand the coverage provided better.