Will proof of insurance be mailed to me?
Yes. After your enrollment is processed, your Certificate of Insurance will be mailed to the mailing address you specified while enrolling.
Read more »May I purchase Student insurance if I am already studying outside my home country?
Yes. You may purchase Student insurance regardless of how long you have been studying outside your home country, as long as you fulfill the eligibility requirements described earlier.
Read more »Are dependents of student’s eligible for coverage?
Yes. Dependents (spouse and/or child under age 18) of enrolled students may apply for insurance with the student, or within 31 days of birth, legal adoption, marriage or arrival in country of study. If your dependents are not eligible for Student insurance, they may enroll in one of our other plans for people outside their home country.
Read more »What are the eligibility criteria for purchasing International Student Health Insurance?
Foreign students studying in the U.S. under age 55 who have a valid visa status in the U.S. and are registered and engaged in academic activities at a US school, college or university. U.S. registered students studying outside the U.S. under age 55 who are registered with a U.S. school, college or university and engaged in academic activities abroad (excluding home country).
Read more »Will purchasing a short-term insurance plan make it harder for me to get coverage in the future for a pre-existing medical condition?
If you recently lost health insurance coverage through an employer, purchasing a short-term medical insurance plan will make you ineligible for any guaranteed issue, individual health insurance plans commonly referred to as HIPAA plans. Oftentimes, HIPAA plans are quite expensive but may be appropriate for those whose pre-existing conditions make it difficult to obtain health insurance in the private market. Therefore, if you wish to maintain your eligibility for HIPAA plans, you should not purchase a short-term health insurance plan. Please consult your benefits advisor to discuss your rights under the Health Insurance Portability and Accountability Act (HIPAA) and other […]
Read more »What if I get a standard, longer-term insurance policy at a future date?
Once you receive written confirmation that the health insurance company you selected approved your application for a standard longer-term health insurance policy, you should contact the insurance company that issued your short-term health insurance plan and cancel the short-term policy.
Read more »Do short-term health insurance plans include dental and vision benefits?
No. Short-term health insurance plans are designed to protect you in the event of an unexpected illness or injury and are not intended to cover dental and vision care. Short-term health insurance plans are for temporary coverage only and therefore do not include some of the benefits offered by standard, longer-term heath insurance plans.
Read more »Should I pay monthly or make a single payment up front?
Most short-term health insurance plans give you the option of paying in monthly installments, or in a single up-front payment. Often, single payment plan costs may be lower than monthly plan costs. We recommend that you select “Monthly”, if you don’t know exactly how long you will need coverage, or don’t want to make a single up-front payment. We suggest that you select “Single Up-front Payment”, if you know exactly how long you will need coverage, want lower plan costs, and don’t mind paying your whole premium up-front. If you select ” Single Up-Front payment” you will need to specify […]
Read more »How soon can my coverage start?
Coverage for short-term health insurance plans usually starts the following day after the application is submitted. In order for coverage to start promptly, you can make your first premium payment by supplying a valid credit card number with your application. Please note that credit card billing of premiums is optional and you can obtain coverage without using that method of payment. If you would prefer to have your coverage start later, you can select a date up to 30 days in the future.
Read more »What if I only need coverage for less than 30 days?
Most short-term health insurance plans have a minimum coverage period of 30 days. Even if you only need coverage for less than 30 days, you can either make a single payment upfront for 30 days of coverage, or select the monthly payment option, and then cancel your coverage when you no longer need it. You should be aware that you will not be refunded for partial months of coverage.
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