International Student Medical Insurance Basic Coverage 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.
You must have insurance before you start classes at a university or college. Designed especially for students on F1 visas and their dependents on F2 visas, international student insurance plans are low-cost and offer a range of deductibles. You can also use the insurance as study abroad insurance in another country.
The student can choose a plan most suited to his/her needs. There is a range of deductibles from zero to $2500, and plans can be purchased for periods ranging from 5 days to 3 years. Unless a change in situation renders the student ineligible, the plans are generally renewable until the student remains in college.
Dependents can also be insured along with the student. International student health insurance plans generally provide basic coverage such as doctor visits, hospital admission, prescription drugs, and emergency medical evacuation. Unlike visitor plans, most international student insurance plans cover previously existing conditions 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.
Sometimes, universities and colleges specify some prerequisite benefits for a student health insurance plan. If a student sends across a list of these specifications, agencies can also match the requirements to available student health insurance plans. If a student is an adventurous sports enthusiast, then he/she can also purchase extra hazardous sports coverage.
You can use the Internet, fax, or mail to purchase the student health insurance plan. You can pay using your credit card or check, money orders or wire transfer. If you are a student, you probably don’t have much spare money, and the cashless settlement option of student insurance plans is a big attraction.
International student insurance plans are underwritten by reputed companies such as Nationwide, Lloyds, and AIG. These companies are rated highly by A.M. Best Company, which is regarded as the most accurate source for insurance company ratings.
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