Affordable International Student Insurance Plan
When students travel abroad to further their education, they battle not just culture shock, they are also not prepared for the high rate of medical care, especially in the United States. international student health insurance plans offer options that are especially geared toward the low-cost, low-risk student group.
In the United States, several universities require that a student have insurance prior to registering for courses. With low costs and a range of deductibles, international student health insurance plans are especially tailored toward international students studying at U.S. universities and colleges students on F1 visas, and their dependents, on F2 visas. The plans, however, can also be purchased by students in study abroad programs in other countries.
Students can choose the plan best suited to their requirements, from several available plan options. Deductibles can range from $0 to $2500, and the plan duration, five days to three years. The plans can usually be extended until the plan holder remains a student, and otherwise eligible for coverage.
You can also purchase coverage for your dependents along with your insurance. You and your dependent will be covered for physician consultation, inpatient and outpatient treatment, including prescription drugs. Emergency medical evacuation is also covered in most international student health insurance plans, as are pre-existing illnesses and pregnancy.
A Compare feature offered by agencies, the administrator of these international student health insurance plans, makes the choice easier. With this feature, applicants can view the benefits of different plans and make an informed choice.
Also, if a student sends the company a list of university requirements, insurance companies suggests cost-effective plans that offer the required coverage. These plans can also be less expensive than university health plans. In some of the plans, students can also purchase additional coverage for hazardous sports, on payment of an additional premium.
The applicant can purchase international student health insurance using an online portal, fax, or snail mail. Acceptable payment methods include checks, wire transfers, credit cards, and money orders. Most medical care can directly be applied to the plan, and does not require payment by the student at the time of treatment, a huge advantage for students.
Your international student insurance plans are underwritten by companies such as Nationwide, Lloyd's and AIG, which are rated high by the most trusted name in insurance ratings, A.M. Best Company.
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