Are you considering education overseas? Studying abroad can be an enthralling experience that lets you learn new cultures, make new friends, and gain a wider perspective for your career. While a life overseas can be exhilarating, it is important to stay secure and get the best possible care, should you need it. This is where a robust International Student Health Insurance can make a noticeable difference in your quality of life abroad.
What is International Student Health Insurance?
International Student Health Insurance is a kind of insurance that caters specifically to the health care of students residing in foreign countries. Lifestyles and habits differ by age, and it is imperative to get access to the right medical care when living overseas.
Why do I need International Student Health Insurance?
Our lives change when we move abroad. From our everyday diets to the kind of physical activities we undertake, our lives can be very different from the ones we had in our home country. Therefore, the risks we undertake in our new home can require specific medical care. Without an appropriate International Student Health Insurance, your bills may be incredibly expensive, burdening you financially as you work hard to settle in life.
International Student Health Insurance Requirements
Some countries have mandates concerning student insurance when applying for student visas. Here are some of the requirements with respect to International Student Health Insurance.
- Check the minimum insurance requirements by your university. Many universities have mandates for the kind of health insurance that need to be purchased by international students.
- Make sure your policy meets the university’s minimum requirements.
- Coverage is critical, especially when you’re a student. Ensure you have the necessary coverage for your various medical needs.
- Ensure you purchase a policy that can cover the entire duration of your study period.
- Lastly, ensure you have additional benefits, such as emergency services, evacuation, repatriation, etc.
How to Get International Student Health Insurance
At VisitorPLANS, we have access to some of the best International Student Health Insurance plans that align with most university requirements. You can start by analyzing your medical needs, conducting the necessary research, and procuring quotes for multiple plans before you decide to get your plan. You can always connect with one of our agents to ensure you have all the information you need before deciding.
Types of Student Health Insurance Plans
Individual Plans
These plans cater to individual students’ needs and offer personalized coverage options. You can tailor the plan to your health needs for the duration of your stay abroad.
Group Plans
These plans are mainly for large student groups that cover more than five students under one policy. Needless to say, these plans are highly cost-effective and excellent when insuring several students simultaneously.
Please remember that you need an active and relevant student visa, such as F1/F2/J1/J2, to be eligible for an International Student Health Insurance Plan, regardless of the plan you choose.
How to Choose the Right Plan for Student Health Insurance
The right plan varies on several crucial factors, such as age, coverage, duration, and exclusions. Start by evaluating your individual medical needs to understand the extent of coverage you require. Make sure to read the fine print of your policy before you decide to purchase. Always account for unpredictable health events to avoid an unfathomable strain on your budget.
Factors that Determine the Cost of Health Insurance
Several factors play a role in determining the cost of health insurance, such as —
- Age
- Medical History
- Coverage
- Country
- Duration
Remember, getting a plan that offers the best medical support over inexpensive options is far more important, as high-quality healthcare is paramount.
International Student Health Insurance Benefits
Medical Coverage
Get protection for unpredictable medical expenses to regular checkups
Emergency Evacuations
Access to transportation to other medical facilities for specialized care.
Mental Health Support
Get specialized therapy to deal with psychological changes and adjust to a new place.
Dental and Vision
Continue your dental and eye appointments to ensure your vision and teeth are in great shape.
Prescription Medication
Get access to prescription medications at affordable costs
Is International Health Insurance Always Necessary for Students?
While it may seem like an additional expense, especially when you’re in the prime of your health, a health insurance plan can be a lifesaver in unpredictable moments. Besides getting you the best possible care to freeing you from unimaginably high medical costs, health insurance is a compulsory requirement for international students who enroll in US colleges and universities.
Best Health Insurance Plans for International Students
There is no one plan that best suits all, as every student’s medical needs vary. Here are some of the most popular plans among students that visit the United States.
Student Health Advantage Platinum
This plan is a top-tier insurance designed to suit International students and scholars. With comprehensive coverage that gets the absolute best care, it is no doubt a popular plan among students. Here are some of the key highlights of the plan.
- Eligibility – A Full-Time Student & Non-US Citizen aged 31 days – 64 years traveling to the USA to study
- Coverage Length – Min 3 months to 12 months
- Provider Network – PPO providers are contracted separately through United Health Care.
- Renew Online – Plan to be renewed a minimum of five(5) days until reaching a maximum of sixty (60) consecutive months.
Collegiate Care Preferred
This plan is offered by Trawick International and is among the most sought-after plans for international students. As the name suggests, this plan offers comprehensive coverage with a wide range of benefits and higher limits than traditional plans. Here are some of the key highlights of this plan –
- Eligibility – Non-US Citizen Student aged 12 to 65 studying in the USA
- Coverage Effective Date – The effective date of this policy is later of the following –
- 1. the date the company receives a completed application and the correct premium for the period of insurance,
- 2. the date requested on the application, or
- 3. the day after applying online.
- Coverage End Date – Coverage ends on the earliest of the following –
- 1. the date you cease to be eligible for coverage; or
- 2. the end of your term of coverage; or
- 3. the date requested on your application; or
- 4. the last day for which premium has been paid;
- 5. the date you no longer are affiliated with a school; 6) the date you return home; 7) after 364 consecutive covered days.
- Renew – Online, by phone, email.
Health Insurance Options for International Students After Graduation
After graduation, the insurance depends largely on your life situation. If you’re employed, you will be eligible for a health insurance plan offered by your employer. If you plan on continuing your education, you may be eligible for an extension of your existing insurance plan. Whatever your situation might be, we have the right plan for you!
Health Insurance for International Students on OPT (Optional Practical Training)
OPT is a period in which students on an F1 visa are allowed to work upon completion of their education in the US. Since the students are technically done with their education, they may be unable to continue their current student health insurance plan, in which case they can choose a dedicated plan, especially for OPT students. We have both fixed and comprehensive coverage plans for students on OPT. Contact us to learn more.
Required Documentation for the Claim Process
The documents can vary from one provider to another. Usually, you are required to submit receipts, itemized bills, and other medical reports related to the claim when submitting your claim form. Keeping a copy of all documentation is important for your personal reference.
Conclusion
Being an international student can be fun, and, at the same time, it is crucial to remain in good health during your study period. A robust student health insurance plan can offer you peace of mind and ensure you can handle any medical surprises during your journey as an international student without burdening you further with added expenses. Understanding your needs is a great first step. Talk to our agents to understand the right plan for you to make an informed decision.
