Importance of comparing international student medical insurance

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International student insurance USA

The new college semester is fast approaching and it is that time of the year when students are enrolling for the semester courses in US universities.

It is a known fact that healthcare in the US is expensive and since it is not have a nationalized healthcare system, individuals have to pay for all medical expenses.

This means it is required for the foreign students to buy good international student health insurance as it is unimaginable to handle the healthcare costs out of pocket.

With many international student medical insurance plans available online in the market,

International student medical insurance
it is cumbersome and complicated to find the plan that matches ones specific requirements. It is therefore important to make a check list of any specific requirements that the University needs to be satisfied.

With this being said, American Visitor Insurance has 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. To get a free price quote here, the inputs needed are the students age, study duration(start date and the end date during which the insurance is required), preferred deductible, preferred medical policy maximum, country of citizenship and the student’s country for education.

On providing this information, the student is provided a summary list of available student health insurance plans that satisfy these requirements along with their premium price. Other relevant details about the plan displayed here are, Underwriter, Rating, Direct Billing details, Co-Insurance, Renewability and other benefits of the plan. To view more details on a particular plan, there is a "details " button available below the Price information. To see the coverage and benefit details there is a "Brochure" button available next to the "details" button.

All these international health insurance for students on the F1 visa (student Visa) in the US are popular and are from top rated insurance providers. It is important to get the specific University requirements while making the selection of the plan. Some of the most basic requested benefits are the coverage for pre-existing condition, pregnancy and maternity coverage, mental health and substance abuse, coverage for sports are available with these plans.

Benefits like preventive care services and wellness coverage are available only with some specific plans. Geoblue Navigator plan from the company Geoblue is the plan with preventive care services coverage. Wellness coverage is also available with the Study USA student insurance plan from USI Travel Insurance Services. These 2 benefits are not available in the other plans.

Coverage for pre-existing condition usually has a waiting period. This period can vary from 6 months or 12 months depending on the plan. There are popular plan section in the webpage where the plans are listed which are popular for unique reasons. Getting a price quote in this page will show many more plans and their details which is useful in getting the right plan.

International students while travelling to the US amidst the pandemic need a good student travel insurance cover that offers coverage for Covid-19 illness. There are several student travel insurance cover that offer to cover Covid-19 as any other illness along with quarantine benefits.

International Students can buy Student Health Advantage and Patriot Exchange from IMG; Student Secure Insurance from WorldTrips; Study USA insurance from Travel insure which are the popular Covid19 student health insurance plans offering coverage for eligible medical expenses resulting from COVID-19/SARS-CoV-2.

These plans include student medical insurance for maternity coverage. There are also plans that provide sufficient coverage for student insurance for sports activities.

This tool is very helpful for the students to compare the University Requirements they have for health insurance with what is available in the market. The weblinks provided in this blog are resourceful to learn more about the student health insurance related features.

International Student Health Insurance Coverage highlights

International student insurance benefits for students

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International Student Insurance - Faq's

01. What is international student health insurance?

International student health insurance is health insurance coverage for individuals who are studying abroad either short or long term while away from their home countries. Many of the US domestic health insurance plans may not cover a person fully while abroad.

Also, some international programs may require certain levels of health insurance while participating in their programs. Luckily, we at American Visitor Insurance have made it easy to compare and find a student health insurance plan just right for you and your situation.

02. Can international students get health insurance?

Yes, international students can and should get good international student health insurance. At American Visitor Insurance, we work with US insurance providers who have designed excellent health insurance for international students studying in the USA as well as for US students studying outside the USA.

International students can compare international student insurance products on our website and buy the best student insurance plan that suits their needs. The student insurance policy document will be emailed to the student on completing the online transaction.

03. Why should international students compare health insurance?

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.

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Best insurance for international students

Cheapest F1 student health insurance

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.

Student health insurance

Nationalities of large international student groups in the US

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