As an international student, you are meant to apply for health insurance. When you get health insurance as a student, you will have peace of mind.
You will be able to concentrate on your studies, knowing that your health is protected. However, if you need insurance while studying overseas, then you should apply for international student health insurance.
International Student Health Insurance is designed for both international and study abroad students. It is important to have reliable health insurance as a foreign student. In a situation where there is an accident or you fall sick, your health insurance will cover the cost without you having to pay.
What is International Student Health Insurance?
International Student Health Insurance is a type of insurance coverage designed specifically for students who are studying abroad. It provides financial protection and assistance in the event of medical emergencies, illnesses, or accidents during the period of study in a foreign country.
This insurance is essential for international students, as it ensures that they have access to medical care and support while away from their home country
What is the Cost of International Student Health Insurance?
We all know that health insurance is usually expensive in the U.S., but the amount international students pay tends to be less. Students under the age of 25 should expect to pay in the range of $30 to $140 per month.
However, the cost of your health insurance as a student depends on the exact country you are studying in. If you are studying in other countries aside from the U.S., your insurance plan will be more affordable. Students can get insurance plans for under $100 per month or as low as $24 per month.
Who Can Apply for an International Student Health Insurance Plan?
You must be a full-time student or scholar studying outside of your country of citizenship and students studying at traditional colleges. Also, students who are in ESL (English as a Second Language), students on OPT, and technical school students.
Benefits of International Student Health Insurance
International Student Medical Insurance comes with numerous benefits, and to enjoy these benefits, you have to get one. Let’s take a look at the benefits below.
• Preventive Care
Most international student medical insurance plans cover preventive healthcare. For instance, regular checks and vaccinations are included in your plan.
• Coverage in Multiple Countries
Though this depends on your policy, you can have coverage in multiple countries. However, if you plan to travel during your studies, this will benefit you more. This way, you don’t have to purchase insurance in every country where you reside.
• Medical Coverage
All your medical expenses are covered when you purchase student health insurance. Medical expenses like surgery, prescription medications, a doctor’s visit, and hospitalization are all covered.
• Mental Health Support
Most student health insurance policies have coverage for mental health services. They understand the importance of emotional well-being, and they offer it to students who need it.
• Emergency Services
International student medical insurance offers coverage for emergencies. When there is a sudden illness or accident, you will be immediately treated, and all expenses will be paid for.
What Does International Student Health Insurance Cover?
International Student Medical Insurance covers new illnesses or injuries. Also, pre-existing conditions may be covered after a waiting period of 6 months to 1 year. But this will depend on your insurance plan.
What Does Student Health Insurance Not Cover?
It does not cover wellness or preventive care, such as yearly checkups. Vision and dental-related issues will also not be covered.
How to Get the Best International Student Health Insurance
If you are an international student and you want to get the best student health insurance policy, here are the things you need to do:.
• Shop Around for Good Deals
When shopping for student insurance, you must not settle for the first quote you receive. Look for other student health insurance providers and compare their prices.
• Consider your Needs
You need to take your needs into consideration before deciding which one to go for. Ensure you choose a plan that provides all the coverage you need.
• Review Your Policy
Read and understand the policy terms and conditions, deductibles, and coverage limits before purchasing. However, take note of any exclusion whatsoever.
• Check for Discounts
Most insurance providers offer discounts to students. So before purchasing, find out if there are any discounts available.
• Seek Guidance
This is very important; do not purchase student insurance without asking around. If you feel confused about the insurance plan to purchase, you can ask your university’s international student officer. You will be guided on the right insurance plan to choose.
You have to plan ahead and purchase your insurance before you arrive in your host country.
Is International Student Health Insurance Mandatory?
It is mandatory in every country; countries like the U.S. have made it compulsory for all international students. Also, if you want to maintain legal status, you have to get student health insurance.
What Happens If I Don’t Have International Student Medical Insurance?
If you don’t have health insurance as a student, you will have to pay for your medical expenses. Without student insurance, you will be paying for all your medical treatment, which can be very expensive.
How Can I Claim With my International Student Medical Insurance?
You have to contact your insurance provider to make a claim. Once you have contacted your provider, just follow their guidelines on how to submit a claim.