STUDY ABROAD INSURANCE BASIC COVERAGE POLICY
If you are an international student traveling to the United States for studies, one aspect of American life might surprise you more than others. Not the lifestyle or the culture, but the cost of medical care! You will be required to have study abroad insurance, which is available through several plans to suit your budget.
You must have insurance before you start classes at a university or college. Designed specifically for students on F1 visas and their dependents on F2 visas, international student health insurance plans are low-cost and offer a range of deductibles. You can also use the insurance as study abroad insurance in another country.
From a variety of benefits and plans, you can choose the plan that works best for you. You can choose deductibles from a range of $0 to $2500, and opt to be covered for a period as short as five days and as long as three years. Most plans enable you to renew the plan as long as/provided 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 international student insurance plans, as are pre-existing illnesses and maternity.
Selecting an insurance plan can be bewildering for you, and to help you along, agencies which administers international student health insurance plans, provides a “Compare” option. With this, you can view the relative merits and advantages and disadvantages of different plans at a glance.
If your institution has certain prerequisites for student health insurance plans, agencies can recommend plans that match your requirement. In fact, you could even save some money signing up for these plans instead of the college plan. If you think you will benefit from it, you can also add, for an additional premium, hazardous sports coverage.
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 health insurance plans are underwritten by companies such as Nationwide, Lloyd’s and AIG, which are rated high by the most trusted entity in insurance ratings, A.M. Best Company.
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