For students traveling abroad for studies, the costs of medical treatment can be brutal. Students traveling to the United States, in particular, might be shocked at the cost of uninsured medical care. For these students studying outside their home country, international student medical insurance offers several plans, which offer basic medical benefits.
In the United States, several universities require that a student have insurance prior to registering for courses. With low costs and a range of deductibles, international student health insurance plans are especially tailored toward international students studying at U.S. universities and colleges students on F1 visas, and their dependents, on F2 visas. The plans, however, can also be purchased by students in study abroad programs in other countries.
From a list of benefits and plans, you can choose the one that works best for you. You can choose deductibles from a range of $0 to $2500, and choose to be covered for a period as short as five days and as long as three years. Most plans allow you to renew the plan as long as you are a student.
You can also purchase coverage for your dependents along with your insurance. You and your dependent will be covered for physician consultation, inpatient and outpatient treatment, including prescription drugs. Emergency medical evacuation is also covered in most study abroad insurance plans, as are pre-existing illnesses and pregnancy.
To make the decision of choosing an insurance plan as hassle- and confusion-free as possible, companies which administers these international student health insurance plans, offers the facility to compare different plans.
Also, if a student sends the company a list of university requirements, insurance companies suggests cost-effective plans that offer the required coverage. These plans can also be less expensive than university health plans. In some of the plans, students can also purchase additional coverage for hazardous sports, on payment of an additional premium.
You can use the Internet, fax, or mail to purchase the student health insurance plan. You can pay using your credit card or check, money orders or wire transfer. If you are a student, you probably don’t have much spare money, and the cashless settlement option of student insurance plans is a big attraction.
Your international student insurance plans are underwritten by companies such as Nationwide, Lloyd’s and AIG, which are rated high by the most trusted name in insurance ratings, A.M. Best Company.
Ray Sondeo often writes about international student insurance.
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