Study In Peace with College Student Health Insurance

Come December, and some college students are trying to switch colleges. Some subsidized health insurance for college students is valid only in the state that the college is in, and coverage outside the state is limited. However, some student insurance plans, especially those purchased independently, offer a wider coverage throughout the country. A student will then be covered under the same insurance policy, and need not go through another application process. Health insurance for college students is especially useful for those who enroll in college after a few years of graduating from school, and their parents’ health insurance plan ceases […]

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Trip Insurance Ensures You See Green Even When Airline Doesn’t

American Airlines’ parent company has filed for bankruptcy, but travelers need not worry about losing their reservations, say industry analysts. But one just has to look back at other airline bankruptcies to note that filing for bankruptcy and canceling operations go hand-in-hand. Trip cancellation insurance can help save you and your trip against such a situation, so that you are not inconvenienced financially. Most travel cancellation insurance plans offer coverage against the bankruptcy of a travel supplier (be it a travel agent, hotel, or other travel-related service) or an airline. In the case of airlines, alternate arrangements are usually made. […]

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Visitor Insurance Benefits Uncovered

“Oh, that’s no problem, I have visitors medical insurance” is something that many travelers say when confronted with any medical issue. However, it is important to know what visitors insurance covers, and what it doesn’t. Not everything is covered, obviously. Remember that it is but insurance to cover your expenses in case something unexpected happens, medically. Visitors medical insurance covers any medical expenses arising out of unexpected medical conditions, including accidents. To provide cover for the most financially straining of these unexpected events, most plans also provide benefits for repatriation of remains and accidental death and dismemberment. Hospitalization and consultation […]

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Europe Travel Insurance Made Easy

Most countries do not require a tourist to have visitors medical insurance and so, the question of whether to purchase it does not arise. However, some countries in Europe require a visitor to have Europe travel insurance. Some of these countries specify the minimum coverage that is acceptable. France, Germany, and Italy all require a tourist to show evidence of some insurance cover before issuing a valid visa. For insurance, to visit France, a tourist will need to furnish evidence of repatriation insurance. However, U.S. nationals are exempt from a visa for stays less than 90 days. Typically, to visit […]

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Au Pair Insurance: To Care for the Caregiver

For families with young children, where there is no parent available around the clock for care, hiring an au pair is a great idea. Au pairs are governed by U.S. law, and au pairs are required to have au pair insurance that satisfies certain criteria. Other than that, all au pairs typically need are a good family as a host, and of course, a stipend. One of the common misconceptions about au pairing is that they are simply foreign nannies. Au pairs are generally not professional caregivers. They are typically young students who want to live in and experience another […]

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One Strike Not Out for Senior Visitors Insurance

When many US visitors who are seniors are asked about visitors insurance, their worry is simply that pre-existing conditions are generally not covered. However, there are a few things to consider before rejecting the idea totally. First, there are a few plans that offer limited coverage for pre-existing conditions. For example, there are plans that offer $5,000 for hospitalization resulting from heart attacks or strokes. Another plan provides US citizens traveling outside their country coverage of upto $15,000 for the sudden occurrence of a pre-existing condition. And then, there is the question of how each plan defines visitors insurance pre-existing […]

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Signing on to International Student Insurance

International student health insurance is a much-debated topic. While it is important to be insured against the fallout of illnesses for a student, it is also the time for scrimping, and students are loath to spend money on health insurance, which they might see as an unnecessary expense. This is especially true of international students, whose finances suddenly seem to shrink due to the vagaries of currency exchange. Add to this the confusion and adjustment issues in a new country, and it is indeed a stressful time for the international student. Most of them just sign up for the college-sponsored […]

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Jostling to Get J1 Visa Insurance

So you and your friend are going to study in the U.S.—you, as an exchange student and she, as an international student. Not all visas are equal, and as a J1 visa holder, you need to have J1 visa health insurance that conforms to the rules laid down by the U.S. government. Your friend, meanwhile, will need to purchase international student health insurance. As a J1 student, your insurance must provide for at least $50,000 in medical benefits per accident or illness, and cover repatriation of remains up to $7,500. The plan must also provide for emergency medical evacuation to […]

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Starting Pangs: Group Health Insurance for Small Businesses

All big establishments typically start small. Often, though, practical questions plague the small business owner: How can I ensure group health insurance coverage for my three employees, without breaking the bank? Will companies actually cover just two or three people as a group? The answer is: yes. Group health insurance plans are of different types. Small businesses can also bring their employees under small business group insurance. While the premium will differ based on the number of employees covered under the group, typically, group insurance can be purchased for a minimum of two or five employees, depending on the plan. […]

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