Ideal for Cheaper student insuranceMaternity coverage
IMG’s Student Journey Lite is the cheapest student medical insurance for non-U.S. individuals coming to the USA (or its territories) on J1, F1, and M1 visas. International students planning to continue their education in the U.S. may be required to have health insurance in place before they can enroll or apply for a visa. Some U.S. universities mandate group health insurance plans, while others have specific benefit requirements but allow students to provide their own coverage.
IMG offers flexibility, ensuring you can access the right benefits at the right cost. The Student Journey Medical Insurance provides a comprehensive range of essential benefits designed to meet both the medical and budgetary needs of all students.
Ideal for non-U.S. individual coming to the USA (or its territories) on J1, F1, and M1 visas.
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Plan can be renewed from 30 days to 12 months, as long as the premium is paid when due and the insured continues to meet the eligibility requirements of the plan. Coverage can be reapplied for but not renewed.
Covered after 6 months of waiting period.
Let us take an example: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $150,000.
Insurance coverage $150,000
Deductible $100 per certificate period
Medical expenses Claims$25,000
The insured must pay the deductible ($0) before the insurance plan pays anything. Since the policy maximum coverage is $500,000 and the total amount billed is $25,000, the policy will pay 80% of first $25,000 then 100% up to the policy limit ($500,000). In this case the insured expense after the deductible is 20% of first $5,000, which is $1,000. Thus your final expense is $1,000 while the insurance company will cover the remaining $24,000.
| Expense | Amount billed | Amount Insurance Pays | Amount Insured Owes |
|---|---|---|---|
| Deductible | $0 | $0 | $0 |
| Hospital Room Rent | $9k | $8k | $1k (20% of first $5k) |
| Surgery | $15k | $15k | $0 |
| X Ray | $1k | $1k | $0 |
| Total | $25,000 | $24,000 | $1,000 |
Without doubt, all students should have health insurance while they are in the US. The US health care costs are the highest in the world and a minor injury or accident could set you back tens of thousands of dollars. Being healthy and taking care of yourself is, of course, highly recommended, but accidents happen to us all and when we least expect.
Students should have proper insurance before anything emergency situation arises so that you do not find yourself in serious debt.
Yes, International students can definitely get student medical insurance, we offer many student insurance options on American Visitor Insurance. Quite often, the universities themselves offer student insurance, however this can be expensive. At student insurance plans that we offer are considerably more affordable than the University insurance plans, while providing similar coverage benefits.
However, students should confirm if the University allows students to but insurance outside the University, and if they can get the required insurance waiver for this student insurance.
No. International students are not eligible for Medicare. Medicare is a US government program only available to US citizens or US permanent residents who have paid into the US system.
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.
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.
US citizens are eligible to purchase health insurance plans through their state's health insurance marketplace. Non-US citizens can purchase visitor insurance plans. Those foreign students on the F or J visas qualify specifically for "student" health insurance plans which are often cheaper than visitor insurance. Students can compare student medical insurance plans and make an informed choice.
Most colleges offer group health insurance for their students. This may be required if the student does not have any other insurance. Check with your institution as to what is available. However the student insurance plans that are offered in American Visitor Insurance are usually cheaper than University insurance while offering similar coverage.
Students can compare the coverage of the University insurance along with the plans on this website and make an informed decision.
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.