In health insurance parlance a pre-existing condition is a health ailment that already exists whether or not it has been diagnosed and being treated for before the customer purchases health insurance plan.
A pre-existing condition could be any condition as common as and as serious as heart disease, high blood pressure, cancer, type 2 diabetes and asthma. These are some chronic disorders that affect large part of the population.
One of the rules, as per the Affordable Care Act (popularly known as Obamacare for students) that got signed into law in March 2010, is the elimination of the pre-existingcondition requirements imposed by health plans. Insurers use "look back" period or 'Exclusion Period' or 'Waiting Period' to determine if the condition is considered pre-existing or not.
The "look back" period or the "Exclusion Period' varies from one state to another depending on the policy and the concerned state insurance regulations and can range from 6 to 18 months.
For Instance:Mary a 48 year old woman is already diagnosed with Type 2 Diabetes. She is looking for a J1 visa health insurance plan as she is a visiting J1 scholar planning to join a University in US. The plan that she finally decides to buy has a 6 month waiting period or exclusion period by which she will not be covered by the insurance for any claims that occur in the first immediate 6 months of the effective start date of the insurance plan for her diabetes related expense. After the first 6 months of the policy effective date, she will be covered for any of the claims made for any treatment related to her diabetes condition.
Here at American Visitor Insurance, we have several student plans that are suitable for students and scholars. These plans meet the University requirements and the J1 Visa requirements and are very popular. Have a look at our international student insurance we also have health insurance that covers pre existing conditions and improvised web page here where we have also listed the popular student plans with their price information.
Click on a selected plan to get more details about the plan. We have included many details in our new page mentioned above such as student group insurance plans for anyone interested in making a purchase for a group of students. We also have a quote form where you can get an instant quote for your criteria.
In our international student health insurance compare tool you can enter your information and view the plan prices and relevant benefit details. American Visitor Insurance has also developed an excellent compare Covid19 student medical insurance tool which helps international students find and buy the best student insurance with Covid19 coverage of their choice.
Thank you for your prompt reply. Thank you for doing some good homework on our behalf. May the Lord richly bless you and all your encounters and may He fill your life with all of his abundance............"Know more
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Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration..." Know more
Following are the international student medical insurance with pre existing conditions coverage:
Students when they travel outside their home country to study along with the university academic experience also get an opportunity to experience a new culture and to see different parts of the world and meet new people with varied backgrounds. We work with several US insurance providers that offer excellent student F1 health insurance.
We have developed an excellent compare F1 visa student travel insurance tool and have article and FAQ's with information for the best travel insurance for f1 students studying abroad. Our international student insurance plan comparison facilities lists the student travel insurance that satisfies the student requirements.
Students can find the cheapest health insurance for international students in USA as well as outside the USA. Other than the cost, we also display relevant coverage details of health insurance for international students on F1 visa studying in the USA.
Following are the list of popular countries where international students and US students visit to pursue their studies.
Despite the spread of the BA.5 Omicron sub-variant, all international students with the F1 and J1 visa's are now allowed in the US. International students should however check the university updates and the covid19 requirements before travelling to US.
International travel during covid-19 is risky due to the new Covid sub-variants which are considered more contagious. International students should purchasing a good student travel insurance with covid-19 coverage. In case one contacts covid19 infections the illness will be covered and this includes the new sub-variants. Regardless of the variant a covid-19 cover will provide students with coverage for the Covid infection.
There are many international students in the US either without proper US student medical insurance, or with F1 student insurance that does not cover Covid19. Given the health risk involved due to the Covid19 pandemic, it is very important for students to buy good Student medical insurance which includes coverage for Covid19. A Covid-19 coverage will offer protection towards the coronavirus illness just like any other illness under the benefits of the policy regardless of the variant. At American Visitor Insurance, we offer several international student health insurance with Covid19 coverage. The Covid-19 cover provides coverage just like any other illness irrespective of the variant.
Earlier international students in the US had to buy affordable care act, ACA (Obamacare) compliant medical insurance, however recent changes have removed this requirement. International students can now buy student health insurance plans offered on our website without violating US government requirements. These are some international student health insurance plans with Covid19 coverage. Students while studying in the US need not worry about getting coverage for mutated variants. Irrespective of the variant covid-19 cover will provide students with the coverage if contracted the illness.
There are some F1 visa students still stranded in the USA or on the OPT status who are not enrolled in any classes. In this situation students are not limited to buying US student health insurance and can buy short term US visitors medical insurance. The visitors health insurance plans are cheaper and work well for international students while they are not enrolled in classes. International students can review US visitors medical insurance plans that fit your needs.
Please know we are here to help you make an informed decision to get international students insurance! Let us know how we can assist you. Feel free to contact us by email or phone at any time.