student life International students come to the U.S.A. for more than just the quality education and potential career opportunities. They often come here to broaden their cultural horizons and immerse themselves in the American campus lifestyle and culture, meet interesting people and make new friends - which can sometime leads to shenanigans that get out of control and someone getting hurt. While there are no government mandates on student insurance, given the incredibly high costs of healthcare in the United States, most schools require incoming international students to have health insurance in case they fall ill, get injured or need to withdraw from school for medical or psychological reasons during their stay.
university requirements Although we offer Student Medical plans that have been specifically developed to meet university requirements, the minimum coverage requirements can vary according to the school and type of visa (F1, M1 or J1). We encourage you to check with your institution or give us a call if you're unsure and we will make sure the plan selected matches your university requirements. Some universities offer their own health insurance plans, and therefore require a signed waiver if you choose to go with a plan from another country or provider, like us. While we recommend you purchase a U.S.A. policy as they generally adhere to a higher standard and tend to offer greater protection as well as better assistance in navigating the unique and expensive American healthcare system, opting for one of our policies instead of one offered by your university will likely save you money and get you better coverage. Besides, we'll even help you with the waiver stating that you have received coverage elsewhere.
coverage matters Most Student Insurance plans from our top underwriters like HCC, Seven Corners and GBG offer a policy maximum of at least $100,000 in coverage, a relatively low deductible to keep out-pocket-costs as low as possible, and give you the option to see a doctor on campus, or browse our provider directory to find a specialist or doctor that meets your needs. You'll be covered for minor ailments like cold, flu, food poisoning or urgent care as well as the more major emergencies, surgical treatments, hospital stays, ambulance service, emergency medical evacuation, repatriation and prescription drugs. In addition, you some of our plans even offer additional benefits like coverage for your spouse and children, mental illness, maternity and drug or alcohol abuse along with limited coverage for pre-existing conditions and sports-related injuries. You can also rest easy knowing that you're covered if you end up having a medical emergency or need to see a doctor during travel outside the U.S.A. while on your student visa, since you'll be covered anywhere outside of your home country.
the cost of coverage Since our policies are both flexible and customizable, costs tend vary according to the plan you pick. And even with those, the deductible and maximum coverage limits are determined by your age, the benefits you select, the duration of your stay and any university requirements. The best way to figure out costs is to decide what kind of coverage you want, and then personalize it to your specific needs based on price, coverage, and value. Premiums for your Student Medical Insurance are paid on a full or monthly basis, and if for some reason you don't end up making the trip, your plan is both cancelable and refundable at any time. If you're not sure what you need, just get a quote and give us a call.