Health Insurance For International Students
Being a student, we all dream of studying abroad, and it can be rewarding and inspiring at the same time. Meeting new friends, gaining valuable knowledge, experiencing new customs and cultures, and exploring new faraway places. But traveling to a new country can also pose challenges that are unexpected – from the simple complications of an unexplored diet to an unexpected injury or illness, or even to a serious mishap when far from home and family members. Often there are expenses related to medications that are unexpected and these can present financial challenges, and which may even interrupt your travel to another county. This is true in the United States, where the cost of medical care is very high.
Do International Students Need Health Insurance?
Health Insurance for international students is crucial for two reasons – to avoid the financial difficulties of medical expenses that are unexpected, and to make sure that you have access to proper and immediate medical care wherever you travel out of your home country. International Health Insurance pays for most of the medical expenses. It is accepted by most medical providers around the world. It provides peace of mind so that you may enjoy your travel abroad or study.
If you are planning to apply and enroll at a U.S. university, being an international student, you can start thinking about medical insurance. Many U.S. universities require students who have enrolled at their school, including international students, to have health insurance and it has become mandatory in some schools.
It is important to keep in mind that health insurance policies and costs can differ from campus to campus, and some of the institutions offer their own plans in which the international students must enroll. Here are important points that international students should know when determining whether they need health insurance in the United States:
- The Visa category determines the requirements.
- There is no universal health care in the U.S.
- Some universities have their own health insurance plans or policies.
- Lack of health insurance may affect studies.
- There are many other ways to obtain a health insurance plan.
Which is the Best Insurance Plan for An International Student?
The “best” health insurance plan for an international student depends on who is purchasing it. To be considered good, a health insurance plan should have adequate coverage. It must include good medical treatment, emergency evacuation, and medication.
Tips For Getting A Good Health Insurance Plan For International Students
When you are looking around for a good international student insurance policy, keep the following points in mind:
What’s the maximum of a health insurance policy?
This is the amount that the health insurance company will pay for an illness or medical incident as well as for the whole duration of your policy. Choose a wise plan with a maximum you are comfortable with.
How much is the deductible?
Sometimes referred to as the excess, this is the amount you have to pay by yourself before the health insurance company takes over and pays for the rest. It can vary and be in the range from $0 to thousands of dollars. The lower the deductible, the more the health insurance policy will cost and vice versa.
Does it have international coverage?
Do you want to have a health insurance plan only in the country where you study or worldwide? For instance, if you intend to travel for vacations or visits back home, you should get international health insurance.
Does a health insurance plan cover all the items you require? Does it have coverage for conditions that pre-exist? Are conditions related to dental? Evacuation in an emergency? Medication and medical treatment? Maternity?
Does a health insurance plan meet your school’s requirements? Many universities have guidelines or policies regarding what type of insurance their international students should get. Check properly and see if the policy you wish to get will meet their requirements.
Does a health insurance plan have a PPO Network? These networks may go by other names. By, in essence, it means that the insurance company has certain facilities that are “preferred” where you can receive medical treatment. These facilities have the option to bill the company of your health insurance plan directly for any medical expenses, instead of you having to pay and then claim for reimbursement.
How to Get A Health Insurance Plan For International Students?
There are three options for international students to get a health insurance plan:
1. Through your school
Universities or colleges often offer international students a health insurance policy to which they can subscribe. In some cases, it is mandatory, at other times you have the option to opt-out and choose your own health insurance policy elsewhere. If your school or college offers you such a policy, make sure to read it carefully before going for a decision.
2. Private health insurance
If you go anywhere, there will be a number of private health insurance companies. You can compare them. If your school does not offer a plan, you can do your own research and buy a visa-compliant insurance plan for students from a local company after you arrive at your destination. This is a good option if you do not intend to travel abroad or return home during your studies.
3. International student health insurance
You can get an international health insurance plan on the web. International health plans are intended for ex-pats, travelers, and international students because they offer coverage in multiple countries – as the name suggests. So, if you want to travel around or return home sometimes, you can be assured that you are covered.
You can get international health insurance through websites that make comparisons. They allow you to compare plans side-by-side in a detailed and informative manner, before settling on one. It doesn’t matter what type of international student health insurance you choose for yourself, remember to always read the policy in depth!
Is It Important That All International Students Have To Get Health Insurance?
Yes! All students studying abroad must need health insurance. Remember, the best health insurance plan for international students depends on the length of your study program.