Student Health Insurance with Pre-existing coverage

Student Health Insurance with Pre-existing coverage
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-existing condition 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 student insurance 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 student medical insurance compare tool you can enter your information and view the plan prices and relevant benefit details.

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Many international health insurance for students studying abroad have coverage for pre-existing conditions. The student health insurance plans offer coverage with waiting period.

Following are the international student medical insurance plans with pre-existing conditions coverage:
  1. Student Health Advantage from International Medical Group (IMG) covers pre-existing conditions. The platinum plan has 6 months waiting period and the standard plan has 12 months waiting period.

    Student health advantage     Plan Details      Buy Now     Brochure

  2. The Study USA plan from USI Travel Insurance Services provides coverage for pre-existing conditions. The Study USA Preferred 500 has a 6 month waiting period. The other 2 versions of this plan namely the Standard and Preferred 300 have 12 month waiting period.

    Study USA     Plan Details      Brochure     Buy Now

  3. Student Secure Insurance from TokioMarine HCC medical insurance services offer coverage of $25,000 for acute onset of pre-existing conditions with the following waiting period: Student Secure Select and Student Secure Elite Insurance has a 6 month waiting period for pre-existing condition coverage. Student Secure budget Insurance has a waiting period of 12 months for pre-existing conditions.

    StudentSecure Elite      Plan Details      Buy Now     Brochure

  4. Liaison student plans from Seven Corners offer coverage for acute onset of pre-existing conditions during the initial 364 days of coverage as follows: Liasion Student Economy covers medical expenses up to $5,000, Liasion Student Choice covers medical expenses up to $10,000 and Liasion Student Elite covers medical expenses up to $25,000.

    Laision Student Insurance      Plan Details      Buy Now     Brochure

  5. Navigator for Student from Geoblue is ideal for US Students studying outside the US. It offers coverage for pre-existing conditions with creditable coverage.

    Navigator for Student     Plan Details      Buy Now     Brochure

Popular international health insurance for students plan comparison






Please contact our licensed agents at +1(877)3407910 or Click to send mail, and we will provide possible plan options


The students must be pursuing their education outside their home country
 
US Students abroad
International Students in the United States
 
Categories:
  • Plan Maximum
  • Deductible
  • Incidental home country 15 days per three months
  • $5k coverage for sports
  • Maternity   Maternity
  • Pre-existing conditions coverage available

    Know More
  • Plan Maximum
  • Deductible
  • Incidental home country 15 days per three months
  • $5k coverage for sports
  • Maternity   80% covered
  • Pre-existing conditions coverage after 6 months

    Know More
  • Plan Maximum
  • Deductible
  • Incidental home country up to a cumulative 14 days
  • $5k coverage for sports
  • Maternity   Maternity
  • Pre-existing conditions coverage after 6 months

    Know More
  • Plan Maximum
  • Deductible
  • Sports
  • Maternity  Maternity
  • Pre-existing conditions covered with creditable coverage
  • Preventive care services available

    Know More
  • Plan Maximum
  • Deductible
  • $5k (high school sports)
  • Maternity  Maternity
  • $5k pre-existing conditions coverage for US citizens only
    Know More
  • Plan Maximum
  • Deductible
  • Sports
  • Maternity  Maternity
  • Pre-existing conditions coverage after 6 months
    Know More
  • Plan Maximum
  • Deductible
  • $5k coverage for sports
  • Maternity  80% covered for maternity
  • Pre-existing conditions coverage after 6 months
    Know More
  • Plan Maximum $1,000,000
  • Deductible $25
  • $5k coverage for sports
  • Maternity  Maternity
  • Pre-existing conditions coverage after 6 months
    Know More

Insurance for International Students (F1 Visa)

International students often purchase their health insurance in the University. While this is most popular and convenient, it is often expensive. The plans offered on our website are cheaper and provide comparable coverage. You can compare the plans that we offer by getting quotes which also shows the coverage details. We can facilitate getting the insurance waiver form completed if required by your college.

These plans are also available for international students with M1 Visa taking part in vocational or technical training.

Limitations
  • Student Secure Select, Patriot Exchange and Student Health Advantage Platinum do not provide coverage for wellness/routine and preventive care services.
  • Plan Maximum
  • Deductible $50
  • Mental  Mental health
  • Sports
  • Maternity  Maternity
  • Covers one physical exam

    Know More
  • Plan Maximum
  • Deductible
  • Mental  Mental health
  • Sports
  • Maternity  Maternity
  • Includes Mental health

    Know More
  • Plan Maximum
  • Deductible
  • Mental  Mental health
  • Sports
  • Maternity  Maternity
  • Pre-existing conditions coverage after 6 months
    Know More
  • Plan Maximum
  • Deductible $100
  • Mental  Mental health
  • Sports
  • Maternity  Maternity
  • Plan cover for dependents, Sports, can be purchased for J2 only Know More
  • Plan Maximum $50,000
  • Deductible $0
  • Great coverage for a great price.

    Know More
  • Plan Maximum
  • Deductible $100
  • Plan can be purchased even if the F1 visa or J1 visa holder is not covered under this plan. Know More
  • Plan Maximum
  • Deductible $0
  • Always eligible for purchase no matter what age and how long a person has been in the US Know More

Insurance coverage for F2 or J2 Visa holders

Spouse and Childrens of F1 and J1 visa holders are issued the F2 and J2 visas respectively. While J1 visa holders have insurance requirements mandated by the US consulate, given the high health care costs in the US, it is prudent for F2 and J2 visa holders to also have proper insurance coverage.
  • Plan Maximum
  • Deductible
  • Great coverage for a great price.

    Know More
  • Plan Maximum
  • Deductible $0
  • Always eligible for purchase no matter what age and how long a person has been in the US Know More
  • Plan Maximum
  • Deductible
  • Pre-existing conditions coverage after 6 months, sports and maternity is also covered
    Know More

Plan options for students in OPT status

International students on the F1 visa are allowed to enroll for optional practical training(OPT). This allows students to work off campus, or work without being enrolled for coursework in the university. Since students in this OPT visa status are not enrolled in coursework, they will be ineligible for some student insurance plans. KNOW MORE
  • Plan Maximum
  • Deductible
  • $5,000 maximum per injury or illness medical expenses only
    Know More
  • Plan Maximum $1,000,000
  • Deductible
  • Provide Adventure Sports Rider upto $50,000 lifetime maximum.
    Know More
  • Plan Maximum Unlimited
  • Deductible
  • Sports related injuries are covered.

    Know More

Student health insurance information

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