Buying health insurance for international students
There are different factors that determine the cost of insurance:
Student’s age
The student’s age is a vital factor that determines the cost of the insurance. The prices vary for different age group. The prices will increase with the increase in the age of the student.
The duration of coverage
The price of the student insurance in an international country can be either monthly or on a daily basis. The price will be more with an increase in the duration of coverage required.
Maximum medical coverage
The price is directly proportional to the medical maximum coverage required. The price is less for a budget conscious student who chooses basic coverage while higher medical maximum coverage will cost more.
US Health Insurance Companies have student plans suitable for students who are US citizens traveling abroad or outside US for their studies. These are international health insurance plans. It is very important for students traveling outside of their home country to have a suitable health insurance plan in order to have coverage for sudden sickness or unexpected injury. There are several plans out of which 4 popular plans which satisfy the requirements for an international student are listed below. Customer can also use our compare student insurance facility to view more plans if needed.
Each of the plans have slight variation in benefits and price. If the University has specific requirements, please make sure to contact us on phone or email. The purchase of the plan is online. Once purchase transaction is complete online, the customer is going to receive a confirmation email from Insurance Company almost instantly which will have the ID Card and policy details attached to it. This can be printed and used. Click here for popular countries for US Students study abroad
Congratulations on starting an overseas university education! Have you ensured that you have a good safety net for the new environment? What if you meet with an accident or fall ill, and your studies are interrupted by circumstances beyond your control? It is for these unforeseen situations that you need proper student medical insurance.
Here are some details that needs your attention. Hundreds of thousands of International students come to the US annually to fulfil their dreams. Along with the University Course registration comes an important often ignored aspect, which is Student Health Insurance. Health Care is very expensive in the US and unless you have adequate student medical insurance, you can get into serious financial difficulty. In fact most Universities make it mandatory for International students to buy student health insurance plan. Quite often there is a college student plan which most students enroll, however these plans are quite expensive. The University provides a list of requirements for the student insurance plan, and students can also purchase student insurance plans outside of the College insurance option, as long as it satisfies the University requirement.
At American Visitor Insurance, we help find the best health insurance plans for international students in USA. We offer F1 visa student medical insurance plans that are specifically designed for International students and are offered by reputed American Insurance Companies. The students can compare international student medical insurance for USA using the compare engine. These plans are very popular with international students since they are more affordable when compared to University plans while satisfying University and F1 visa Obamacare requirements.
Group travel insurance for students
Students traveling overseas in groups can purchase the group insurance plans. This makes it a lot easier to administer the plan and these plans are cheaper than buying individual student travel plans
University and College compliance student health insurance for students on F1 visa in the US satisfy the visa requirements as required by the US consulate.
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.
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.
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.
Medical insurance for students on vocational training.
Student insurance requirements in US universities
Most US universities insist that all students have adequate medical insurance coverage.
Some States in fact make it mandatory to have student insurance.
No international student on F1 visa, F2 visa, J1 visa or J2 visa non-immigrant status shall be permitted to register or continue enrollment at a university without demonstrating that he or she has adequate medical insurance coverage for illness or accidental injury.
Students with M1 visa enrolled in vocational or technical colleges must have medical insurance coverage.
In the event that the F1 visa (International student visa) holder is already insured and does not need any insurance, but the dependent spouse on the F2 visa (dependant of F1 visa holder) alone needs to be insured, then there is only one student insurance plan that is available for the F2 Visa holder. This is the Patriot Exchange student insurance plan offered by IMG. However this plan does not provide any coverage for Pregnancy and Maternity.
The other student plans that have coverage for pregnancy and maternity need to have F1 and F2 both on the plan to be eligible for the benefits of the plan. GET QUOTE
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.
Can international students get medicare?
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.
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.
Is there health insurance for college 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.
Does college offer health insurance?
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.
Student insurance offering coverage for emergency medical evacuation
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. However when you are outside your home country you are also vulnerable to fall sick given the new living environment, cuisine and weather. Your domestic health insurance may not cover you in a foreign country therefore a good student health insurance plan is necessary to keep you secure in the event of a medical emergency.
Following are the list of popular countries where international students and US students visit to pursue their studies.
Nationalities of large international student groups in the US
Maternity
Mental health
