International Student health insurance FAQ and Answers

For Foreign Students Studying in the U.S.A: You may choose any of these options. If you choose to be seen at your Student Health Center (and it is equipped to treat your particular condition), you will receive the in-network benefit. Also note that several plans waive the deductible for visits to the Student Health Center. If you use a doctor or hospital within the extensive preferred provider network, you will pay a lower deductible and reach your plan limits more slowly than if you go outside the network.

For US Citizens Studying Abroad: Most of our policies do not have a Preferred Provider Network outside the USA and so you may choose to be seen at the Student Health Center or by any doctor or hospital and receive the in-network benefit. If you go to the Student Health center (and it is equipped to treat your condition), your deductible for such incidents will be waived. You may also use any doctor or hospital of your choice. The Emergency Assistance Company can help you locate a doctor or hospital in the country where you are studying..

Most of our plans have extensive provider networks. To get more details on a particular plan's network please go to the individual plan summary online or call our 24 hour customer care line at 1877-340-7910.

If there is no provider from your network qualified to provide the care needed within a 50 mile radius of your residence, you may choose to be treated outside the Network by a non-network provider. In this situation, benefits will be paid at in-network level.

As long as you fulfill one of the eligibility requirements described in Q1, the plan will cover you worldwide, except in your country of permanent residence/country of Citizenship.

The international student health insurance cost ranges from $30 to $124 per month, depending on factors such as the student’s age, coverage duration, plan type, medical benefits, deductible, co-insurance, and any optional add-ons.

• Deductible: This is the fixed amount you must pay out of pocket before your insurance starts covering expenses. For example, if your deductible is $250, and your medical bill is $1,000, you must first pay $250. After that, your insurance will help cover the remaining $750 (depending on coinsurance).
• Coinsurance: Coinsurance is the percentage of costs that you share with the insurance company after you have met your deductible. For example, if your plan has 80% coinsurance, the insurance pays 80% and you pay 20% until you have reached your maximum out-of-pocket limits.

The best low deductible health insurance plans for international students are StudentSecure Smart by WorldTrips, Patriot Exchange and Student Journey Lite from IMG student insurance.