Get Familiar with J1 Student/Scholar Visa Insurance Requirements

As a foreign national student traveling to the United States to attend school, you must buy adequate health insurance coverage so that you can be granted your J1 visa. Your school should be able to provide the information you need so you can find an insurance company that sells the right type of J1 visa health insurance. U.S. immigration laws require that foreign nationals crossing all U.S. borders for the purpose of enrolling in an institute of higher learning show proof that they have purchased a health insurance plan that provides at least the following levels of coverage: medical benefits […]

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Pat on the Back for Expat Insurance

In today’s shrinking world, it is not uncommon to see people moving to a different country for long periods, in the course of their job. These expatriates need to be appropriately covered by a health insurance plan, if their employers are unable to cover them adequately. An expatriate health insurance plan can cover the plan holder abroad as well as in the home country. While long term expat health insurance provides wider coverage including the home country, short term insurance might not cover visits to the home country, and does not include benefits such as preventive care and maternity. One […]

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Age Does Not Matter: Expanded Visitors Insurance Cover

For parents visiting the USA, purchasing visitors insurance sometimes seems pointless, as pre-existing conditions are rarely covered. For Priya Mathur, her parents had an additional factor to consider: They were both in their 70s, and most plans did not offer high limit comprehensive cover. However, looking online for plans, Priya was able to compare the different benefits offered by various plans, and found a few plans such as WorldMed Insurance and Patriot Platinum America Medical Insurance which offer $100K coverage for those in the 70-79 age group. With some plans, such as the WorldMed plan, the extra coverage can be […]

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The More, the Merrier: Group Study Abroad Insurance

When groups of students travel abroad for study, student administrators have a lot on their plates. Students are generally so excited at the prospect of studying abroad, and busy getting settled in, that they cannot be expected to purchase proper foreign student insurance. It might be difficult to track and ensure that each student has sufficient insurance, but with group study abroad insurance, study abroad program administrators can ensure that all their students are covered adequately. Many times, countries need foreign students to show proof of adequate coverage, including repatriation of remains. Group student insurance ensures that all students meet […]

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After Graduation, What? OPT Insurance!

Students anywhere are always looking to save money; even more so, international students in the U.S., because they have less money to spare. While a student may be covered under international student insurance when a student, right after graduation, the plan will likely cease to cover him/her. A period of one year, after graduation, is called the Optional Practical Training period, and is used to gain practical knowledge in the field of study. Coverage during this period is possible through OPT health insurance. The OPT period generally starts the day after graduation. If there is an existing insurance plan, the […]

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No Song and Dance About It: Group Travel Insurance

Gone are the days when people were only exposed to their own cultures. It is as common to see an African enjoying a western classical recital as it is to see an American enjoying a Bharatanatyam recital. The small, flat world has encouraged the exchange of not just currency, but also culture and the arts. Most of this is possible only because of artists traveling abroad from their home country. These art groups usually have a packed schedule, especially on weekends, and they will do well to consider group medical insurance, to be protected for the duration of their trip. […]

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International Student Insurance: Look Before You Sign

When you are an international student, you tend to be wary of spending any money at all. However, when money is spent in the right places, you can actually save it in the long run. One such expense is international student insurance. This is not something a student discusses, and generally a student signs up for the default college plan. However, it is important to know how you are covered, and how much you are covered for. And what you must really do when you fall ill. International student insurance offers, by default, in addition to medical cover, cover for […]

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Food for Thought: International Student Insurance

International students in the U.S. miss many things from home. One of the things they never think they’d miss, but still do, is their mother’s cooking. While home-cooked meals are generally frowned upon at home, once they reach foreign shores, they start to crave it. However, they have to make do with what’s available, and often eat out. While the risk of illnesses from good establishments is relatively low, during student life, often, one can only afford food from trucks on campus. All this might mean a roller coaster ride for the student’s digestive system, which, sometimes, might lead to […]

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Travel Insurance Offers More Than Medical Coverage!

A visit to Africa can be extremely exciting. Africa is no longer the “Dark Continent” and tourism is one of the major earners for some of the countries there. However, there are also some places that are extremely dangerous. While help is required, your travel medical insurance can also jump in to help! While a travel insurance policy deals mostly with medical treatment when traveling, there are several other benefits too. Inpatient and outpatient care, including emergency medical services are covered by the plan, and pre-existing conditions are generally excluded. However, some of the additional travel assistance features include lost […]

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Marine Insurance to Manage Danger in the High Seas

Heartwarming scenes accompanied the return of the crew members of the ill-fated cruise liner Costa Concordia returned home. As mothers and wives hugged their loved ones who returned home, smiles and relief were writ large on the faces of the survivors. The crew doubtless had to use their marine crew insurance to ensure that they did not pay for any treatment they received. When you are responsible for others’ lives, it can be a stressful thing. Even driving a car can sometimes be stressful. When you are surrounded by water on all sides, it can be doubly unnerving. The last […]

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