Most international student insurance plans offer lower or no deductible if you visit your campus health center first for any sickness. To keep your out of pocket costs low it is a good idea to first visit your health center if it is not a life threatening emergency. If you do not have a health center, make sure you visit a physician or hospital that is a part of your international student insurance plan network. ... Read More
I have a visitor medical insurance for my wife and me, my wife is leaving earlier. How can I cancel only her policy?
If the visitor medical insurance plan lists both of you on the same plan, you cannot cancel coverage for only 1 person and continue coverage for the other. If you have separate plans you can email your cancellation request for the person who needs to cancel. If both of you are listed on the same plan you may also consider cancelling your current plan and purchasing another visitor medical plan to cover you alone. Since yours will be a brand new plan your deductibles, co pay and pre existing ... Read More
Visitor insurance is available to children over the age of 14 days. The children can be together on a plan if atleast 1 parent is applying for the visitor medical insurance. Some visitor medical insurance plans offer free coverage for a child if the parent purchases coverage. In the event the parent does not need coverage, you can purchase coverage only for the children using a child only rate. You must purchase 2 separate visitor health insurance plans, one for each child. The plans do not ... Read More
The international student insurance offered by my university is very expensive? How can I get comparable coverage that is cheaper?
Most universities require their students to purchase international student medical insurance before they are allowed to enrol for classes. Some universities offer their own health plans. In most cases these plans are quite expensive. The university may give you a choice to opt out of their coverage if you purchase international student insurance that meets certain requirements. You can discuss these requirements and send us the waiver form to receive recommendations of comprehensive plans that ... Read More
I have recently started my OPT and no longer qualify for international student insurance. What can I purchase?
If you are on your OPT and not registered for full time classes, you are not eligible for international student insurance plans. You may also not be eligible for insurance sponsored by your employer. This leaves you in a vulnerable spot. Make sure you are protected by purchasing a OPT health insurance plan. OPT medical insurance offers coverage to students on their training period and can be renewed till they find employment and are covered under their employers plan. The OPT medical insurance ... Read More
I am here on a F1 visa and my insurance is paid by my university. Can I purchase a student insurance plan for my dependants?
International student insurance is available to international students and their dependants. The dependants are not eligible to purchase the insurance for international students if the student does not purchase the plan. In your case since the insurance for the international student has been paid for you can consider one of the several visitor medical insurance plans that can cover visitors on any visa to the US. Another choice would be to waive out of your student plan and purchase a ... Read More
For someone who will be moving abroad or residing for long periods of time abroad Expatriate health insurance is a must. Your current coverage from your home country may not offer adequate coverage. If you will travel back and forth to your home country and need coverage there consider a expatriate medical insurance plan. These Global plans offer comprehensive coverage including preventive care and maternity. These plans are annual plans and can be renewed. A medical questionnaire must be ... Read More
I am a J1 scholar and my health insurance is being paid by the Sponsoring organization. Can I purchase a health plan for my dependants?
Both J1 and J2 visa holders must possess valid qualified health insurance during their stay in the US. If your J1 health insurance is paid by your sponsoring organization you can purchase health insurance for your J2 dependants. There are some J1/J2 visa health insurance plans that require the J1 visa holder to purchase coverage. You can select from other J1/J2 plans that does not have this requirement and purchase coverage for your dependants alone. ... Read More
In many cases the J1 visa holder may not know the duration of his stay in the US. This can pose a problem for purchasing J1 Visa health insurance. Also sometimes the J1 visa holder may be reluctant to pay the entire cost of the for the full duration of the stay at one time. In both these cases it is preferable to purchase a renewable J1 visa insurance where the plan can be renewed monthly and payments can be made on a monthly basis. Make sure you check the renewability of the J1 visa insurance ... Read More
J1 sponsoring organizations can purchase J1 health insurance for the J1 visa holders coming to the US. They must make sure the plan they purchase meet the J1 visa requirements. These plans offer coverage at a reasonable cost of around $40 a month per person. A group J1 insurance plan is easy to administer and convenient for the sponsoring organization. A single application form can offer coverage for multiple groups coming to the US at various times of the year. Each group can be invoiced ... Read More