International students who enroll in the US Universities as well as US students studying outside the US have to satisfy one important requirement of the University, which is to have adequate International student health insurance.
International students are not eligible for the domestic health care options and they need to buy health insurance that satisfies the requirements specified by the University. Most Universities in the US have student health insurance plans which the student can buy to qualify for basic health coverage.
They can also compare international student insurance outside of the University options as these can be cheaper while providing similar coverage. However most Universities might expect students to complete an insurance waiver form to ensure that the external student insurance satisfies the university requirement.
The student insurance plans that we offer in American Visitor Insurance are accepted in most US universities and offer health insurance for pre-existing condition coverage and sports insurance coverage for students. Along with being cheaper, some of these plans also provide the flexibility of monthly payment. Compare Covid19 international health insurance for students using our user friendly compare engine.
However this monthly payment option is not available in all student insurance plans. Listed below are details of the different plans with information about those plans which offer the monthly payment option.
Geoblue navigator plan is offered by Geoblue and is a great student health plan. They have coverage for pre-existing conditions, preventive care services and many others that are common on the student health insurance requirement list. The premium payment for this plan can be made on a monthly basis, even though this is an annual plan.
This plan is mainly available for US citizens and US residents. Legal residents and foreign nationals coming to the US as students and faculty are also eligible to apply to this plan. Other required benefits such as pregnancy, maternity are included in this plan. This is the only plan that is flexible with many benefits like pre-existing condition coverage, preventive care services cover availability.
Student Health Advantage plan is a student insurance option which satisfies most US Universities requirements. This is offered by International Medical Group (IMG). This plan provides coverage for pre-existing condition after a waiting period. This plan has provision to cover mental health, pregnancy, maternity, sports... There are 2 levels for this plan namely Standard and Platinum.
The Platinum plan provides a higher policy maximum as high as $1,000,000. This plan can be purchased for any number of days or months. The plan has a maximum lifetime of 5 years. The premium payment can be made monthly or an upfront one-time payment for the duration as indicated in the application form.
This is a comprehensive plan and meets the requirements of US international student visas like F1 and US research scholars visas like the J1 visa. International Students can buy the Student Health Advantage Covid19 health Insurance which will cover eligible medical expenses resulting from COVID-19 illness
Study USA plan is a plan from the company USI Travel Insurance Services. This plan is suitable for students on F1 Visa and research scholars on J1 Visa. This plan is available for a year and the payment is one time upfront payment for the selected duration.
This plan is unique compare to the other student plans where it provides 100% coverage for one wellness checkup for the certificate period of the plan. There are 4 levels in this plan namely Basic, Standard, Preferred 300 and Preferred 500 with the change in the policy maximum options.
There is coverage available for pre-existing conditions after a waiting period and coverage available for pregnancy in this plan except the Basic plan. Study USA Covid international student insurance covers eligible medical expenses resulting from coronavirus.
Patriot Exchange plan is from IMG and is available for international student on F1 Visa and research scholars and exchange students on J1 Visa. The premium payment with this plan is one time upfront payment for the opted duration.
The plan has a special benefit where it is available to the spouse on F2 or J2 regardless of F1 or J1 being as the primary holder on the plan. This is not available with the other plans. This plan has a maximum lifetime of 2 years and the plan can be renewed after 12 months. Foreign Students can buy the Patriot Exchange Covid19 student health insurance as it covers eligible medical expenses resulting from COVID-19 illness
The Student Secure plans offered by WorldTrips is one of the more popular plans among the student insurance options for international students on an F1 Visa and research and exchange scholars on the J1 Visa. This plan is another plan that has the flexibility of making the premium payment on monthly basis.
This plan has four levels namely Student Secure Select, Student Secure Budget, Student Secure Smart and Student Secure Elite. The Elite plan has the highest policy maximum option of $1,000,000 and the others vary and have a lower policy maximum. The plan is renewable and can be renewed every 6 months.
It can only be renewed continually for 4 years after which a new plan must be purchased. International Students can buy the Student Secure Covid19 health Insurance which will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2
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The health insurance cost for the college student will depend on the coverage benefits of the student insurance plan, the age of the student, the medical maximum coverage required and the deductible for the plan.
The cost of student health insurance coverage within the US is more expensive when compared to coverage outside the US.
Most international student health insurance plans seem similar on first impressions. However, while they have many benefits in common and the premium is also similar, different student insurance plans do have some additional benefits or perhaps some specific constraints.
In order to choose the best plan based on the students requirements and to get sufficient coverage from the international student insurance plan, it is important to compare different features available in the student health insurance plan.
The following are important factors for comparing student health insurance plans:
Policy Maximum: This is the maximum amount on the insurance plan which normally ranges from $50,000 up to $1,000,000. This is the maximum a policy can cover in case of an extreme emergency as per the policy guidelines and conditions mentioned in the policy.
Deductible: The deductible options can range anywhere from $50 up to $5000 between the plans. A larger deductible means lower premium price and vice versa.
Picking a large deductible thus low premium by choosing a comprehensive plan is usually recommended, as most of the comprehensive plans have an one time deductible and is cost effective.
Pre existing condition coverage: This is very important benefit factor as many customers need this benefit. The student plans have a minimum 6 month waiting period for coverage of pre-existing conditions.
Coverage for mental illness and drug abuse: This coverage is required by most of the universities.
Cancellation and Renewability: Each plan have their unique cancellation and renew-ability policies. It is important to pay attention to it if there is any ambiguity while booking insurance initially.
Sports and other unique activities: Some of the plans provide coverage for intercollegiate and interscholastic sports.
Based on these factors, American Visitor Insurance provides an excellent compare student medical insurance facility where getting quotes as per students’ requirements. Once the required information is entered in the form, a summary of popular student insurance plans are displayed which can be compared.
The best student medical insurance will vary for each student. There is no single student insurance which will work as the best international student health insurance plan for all students.
The factors to consider while identifying the best student insurance will be the coverage benefits, the provider network and the cost of the health insurance for international students.
Health insurance usa for international students FAQs.
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Read more »International student medical insurance plans for students studying abroad.
Click here to read more »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.
Hopefully we have seen the end of the pandemic with most parts of the globe being vaccinated and large populations now having the necessary immunity. However, it still remains important for international students to have student health insurance with COVID coverage as the cost of healthcare in the US is very expensive. At American Visitor Insurance, we offer several international student insurance with Covid coverage.
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.
There are some F1 visa students 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 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.
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