Get an International Insurance for Students International student insurance explained. As a general concept.Insurance is not difficult to understand – however the complexities of individual insurance plans and trying to understand all the different definitions, benefits and exclusions can be
overwhelming for many students. Especially if English is not your mother tongue.
The “Explained Insurance” section of International Student Insurance is designed to help you – with information on videos and articles to help you understand the world of health insurance. Each set of articles below explains a different topic, starting with the different types of health insurance plans available to an international student, and then moving on to other fundamental areas such as J1 and F1 insurance coverage. Do not wait until the last moment This is the first advice mentioned since it is also the most important. Even though your school may not require you to have a plan until
the school day, it’s never a good idea to dwell too long on something as important as health insurance. It is best to start looking for a good policy on time, even before leaving your country of origin, which guarantees coverage from the moment you arrive at your destination. Are you looking for an easy way to compare international student insurance plans? Use our comparison table. Buy a plan that meets the requirements of your visa Many places in the world (such as the United States) have health insurance requirements that you are required to meet to enter the country, depending on your visa. Students on an F1 visa do not have to follow federal regulations, and instead, must follow the guidelines given by their institution. J1 visa visa holders, on the other hand, must comply with a strict list of government mandates, including repatriation coverage,
evacuation along with minimum validity periods. Do not forget the requirements of your school Your school is aware that not all insurance plans are the same. Because of this, many schools have created an insurance waiver form, listing the requirements that an international student’s plan must have to be considered comparable. Since schools rarely make exceptions to these requirements, it is important to find a plan that satisfies your resignation and purchase it before the deadline. You can find your school’s insurance requirements by contacting the international affairs office
or by doing a quick search in our database of school insurance requirements. Find out if you need a resignation form light bulb remember Tip: To save yourself a headache, contact a certified insurance agent to understand each of your requirements before purchasing a plan Some schools ask not only for you to purchase an international health insurance plan, but for your insurance company to complete an insurance waiver form (also known as a Compliance Form) to show that you have adequate coverage before registering for classes. After making your purchase you just have to fill out the student’s part in the form and send it to your insurance company so they can complete it. From there, the company make the rest of the form, sign at the end and then send by email or fax a copy directly to the school. Verify your eligibility Each health insurance plan has certain criteria that must be met in order to qualify. International student insurance options require a current student visa,
but will not require internal information, such as a social security number. Sometimes, these plans require you to attend school for a set number of hours a week in order to remain eligible, so make sure you meet each of the plan’s eligibility requirements before you buy. Look at the specific benefits Since you most likely have the same insurance plan throughout your school experience, it is imperative that you know exactly what the plan covers and what does not. To begin, make sure your plan has traditional coverage such as doctor visits, hospitalizations and prescription drugs, with the maximum of the policy high enough to make you feel comfortable. In addition, your international student insurance plan should be standardized with travel benefits such as emergency medical evacuation and repatriation of the remains. Typically International Student Plans do not cover preventive or welfare care, so be sure to check that the contents of your policy regular routine check-ups are covered. Do not spend too much Although no one expects the cost of insurance, medical insurance for international students is generally affordable, taking into account that students tend to be younger and in good health. In addition to the premium each month, it is important to take note of any out-of-pocket expenses you may incur as well. These sometimes unexpected costs will come in the form of deductibles, co-insurance or co-payments. Always ask your insurance company to explain these expenses in detail as this will help you
understand how much you will have to contribute to the eligible expenses and how much they will cover. Know your documents Having a plan is important for your health, but as mentioned above, it is more likely that it will also be necessary to comply with the requirements, be it from the school or the country. Often, international insurance plans, such as our Student Secure plan, offer a visa letter in your purchase, but in case your consulate or school requires a different document it is good to know what the insurance company offers. Not having the necessary documentation on time could delay the processing of your visa or prevent you from enrolling in the classes. Check how long you can have the plan Generally, plans made specifically for international students can be renewed for a maximum of 4 years, but some plans such as our Student Health Advantage plan can be maintained for up to 5 years. If you are in a study abroad program for less than a year, a travel plan would give you
traditional medical benefits, such as doctor visits, as well as benefits such as emergency medical evacuation. One of these plans is the Atlas Travel plan, with prices as low as $ 0.79 a day. Remember that any illness or injury dealt with in your initial insurance plan will be seen as pre-existing conditions in a new plan and most likely will not be covered, at least until after a waiting period, so it is important that you keep in the same plan as long as possible. Check your cancellation policy Life can be unpredictable. Your school may not approve your alternative insurance plan, your visa may be denied, or you may have to return home unexpectedly due to a family emergency. In the event that you no longer need your insurance plan, it is important to understand the cancellation conditions to know if you are eligible to receive a refund and stop future payments. Normally, if you cancel your plan before the effective date, a full refund will be issued, but cancellation fees may apply after this date.