If you are a student and desire to pursue education outside your home country then international student insurance is a must. It offers an affordable solution for life threatening situations that come your way unexpectedly. Student visas and educational institutions require visiting students to be covered under an exclusive student health insurance for secure life abroad.
Your domestic insurance will not follow you while studying abroad. A comprehensive international students insurance travels with you wherever you go. Hence, international student health insurance is a suitable option for students studying in USA and abroad. It is specifically designed to meet the special needs of students enrolled in USA or other universities.
International students and their dependents are not eligible for local US health insurance, as it requires local residency or US citizenship. There aren’t any government specified health insurance requirements for visiting students. However, some individual universities require students to purchase insurance that meets certain requirements and show proof of the insurance before enrollment. Typically these universities will offer insurance themselves. Students would be wise to look outside the university for insurance that meets the requirements as it might be cheaper. A waiver form will have to be filled by the insurance company if the student decides to buy from outside the school.
Spouses and children (F4 visa) of international students are also eligible for coverage under international student insurance plans. There also exists a suitable plan if you feel the need to cover only your spouse and children. Many insurance companies have come forward to provide quality insurance coverage that a student can easily afford.
The medical maximum covered can be as high as $5 million, which matches that of the traditional insurance plans in USA. Periodic renewals of insurance plans ensure regular premium payments. Some international students insurance policies have a maximum limit of $200,000 to $500,000 per sickness or accident. Various insurance plans offer direct claims settlement through PPO network in USA. Students seeking initial treatment at University’s Student Health Center get a waiver on deductibles or have to pay lower deductibles.
Medical expenses such as; doctor visits, hospitalization, medical evacuation, prescribed drugs, surgery, terrorism etc, are covered by international student insurance. Besides, pregnancy or maternity expenses are also covered by some insurance policies.
You can even avail emergency assistance services day and night. They will assist you in locating a doctor, finding emergency medical transportation and multilingual services in an unknown country. You can take advantage of these emergency services all throughout your stay.
Uncertainties might try to create obstacles, while you adapt yourself in new surroundings. Sickness or injuries in an unknown country is a financial disaster. But don’t worry! You now have a perfect international student insurance, to protect yourself and your dependents from medical emergencies.