Insurance Jungle: Conditions Regarding Pre-Existing Conditions

Whether you’re buying international student health insurance or visitor medical insurance, the insurance company will have some restrictions on medical conditions that the applicant already suffers from. However, it is important to understand the wording of such exclusions, as it might mean a difference between getting your claim approved and not. One visitors’ health policy may define a pre-existing condition as a condition that ‘would have caused a person to seek medical advice, or for which the applicant sought medical advice during the 36 months prior to the Effective Date of Coverage of the Policy.’ Another visitors’ health insurance plan […]

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Student Health Insurance Need Not Recede with Economy

The current economic scenario is making everyone think twice about every dollar they spend. Students, especially, have a tougher time taking bold decisions. For one, the job scenario is so fluid that an offer letter is no guarantee anymore. In the melee, it’s important that their student health insurance is not lost. Graduates who have no job or dependable insurance need not add to the nearly 15% of the population who are uninsured. There are affordable basic short-term health insurance plans that can help tide the graduate over until he/she can get full coverage. First, check with your current insurance […]

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Deductibles – An overview

Though the current economic crisis creates a financial burden for many individuals, one cannot avoid buying an international travel medical insurance policy. People are on constant look out for ways of bringing down the premium amounts. Generally, the premiums are lower in case of international insurance policies that have higher deductibles. You need to evaluate whether risking a higher deductible amount may be beneficial for you in the long run. Deductible is the amount initially paid by the insured before the insurance provider starts reimbursing for the expenses. For example, let us assume you buy an international health insurance plan […]

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Affordable Health Insurance Plans for College Graduates

Reports have been released that around 1 million college alumni have dropped out of insurance coverage from their parent�s health insurance. Since they are generally short of money for heavy investments, they tend to opt for affordable health insurance plans that would provide suitable coverage in case of medical emergencies. Health insurance obtained through employers is generally affordable by fresh graduates. However, during the current economic crisis they find it really difficult to even get a nominal paying job. The unemployment rates of these fresh graduates are high in the current scenario of global economic crisis. Though they are recruited […]

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Why International Student Health Insurance

International student insurance plans are designed for those students who leave their home country and travel abroad to pursue their higher studies. It is better to opt for worldwide coverage in these plans to avail best benefits. The coverage options of the international student insurance plan range from medical expenses, prescription medication costs, mental health coverage, sport coverage, maternity expenses and also protection during any terrorist attacks. These plans generally meet the requirements of the schools in the US and are approved in almost all countries in Europe and USA. Your insurance provider can confirm to you whether the school […]

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