Health insurance for international students
This article will outline the main characteristics, policy coverage, and estimated expenses of customized health insurance plans for international students who are studying abroad.
International student health plans offer a distinctive combination of benefits such as sports, mental health and emergency medical evacuation tailored to students. They serve the purpose of providing travel medical insurance while away from home with coverage extending for the entirety of their course study duration. This means that students can retain one plan throughout their education journey whilst benefiting from unique features designed specifically for them.
International Student Health Plans: Important Characteristics
Benefits that are tailored to specific needs or requirements.
Student-focused healthcare plans not only offer the basic benefits such as hospitalizations and prescriptions but also cover a variety of other essential expenses including maternity, mental health, pre-existing conditions and organized sports. While some educational institutions mandate these additional benefits for their students’ wellbeing, core provisions like emergency medical evacuation and repatriation are necessary when studying abroad or traveling outside one’s home country. It is recommended to review your school’s insurance requirements before purchasing an insurance plan since they may have specific preferences in this regard. You may be able to select from a range of cost-effective options provided by your institution or choose one independently based on your needs.
Coverage for Dependents and Families
Most options for dependent coverage in specialized plans are restricted or come at a higher cost. This means that traveling students with their families may have to opt for pricier coverage or seek alternatives, such as travel medical plans.
Sustainable throughout the entire study duration.
Students can opt for monthly payments through these plans, and usually the coverage is extendable up to four years. With this option, students need only purchase one plan for their entire study abroad duration. StudentSecure has a unique offering where incidental home country coverage allows students to visit their homeland every three months with medical care under the policy still available if needed – limited to fifteen days per trip.
Pricing Based on Age
Due to their youth and good health, students can typically avail insurance plans that are cost-effective. The premiums are based on age groups with various coverage options so that the students can manage expenses without compromising quality healthcare privileges.
Prices including the United States with coverage have an average.
Although it’s widely understood that healthcare coverage within the U.S. can be pricey, international student plans are typically more economical. For students under 25 years old, monthly expenses for these policies range from $30 to $200 based on their purchased plan level; however, fees increase sharply for older learners. As these insurance options cater primarily to traditional pupils, those over 40 should anticipate spending around $300 per month and may even benefit further with major medical or travel-related health insurance arrangements — depending on the type of protection they require.
Prices for coverage, which do not include the United States, are on average.
Apart from age, the cost of international student insurance plans is often dependent on a basic query: are you studying in the United States or elsewhere? Fortunately for those opting to study abroad, their plan would probably be less expensive. Those under 25 can obtain excellent coverage options at rates below $100 per month; some may even qualify for as low as $24 per month contingent upon their selected package level. To review pricing alternatives available with our StudentSecure healthcare policy, please refer to relevant information provided herein.
What is not covered by international student health insurance plans?
The primary purpose of international student insurance plans is to provide coverage for new health conditions or injuries. Therefore, preventive care such as annual checkups usually falls outside the scope of this type of policy. Additionally, coverage for pre-existing conditions may require patients to wait between six months and one year before receiving benefits. Moreover, dental and vision treatments typically do not fall under these programs’ purview either. To gain further clarity on this subject matter, we encourage you to read our informative article about Myths vs Realities Concerning Student Insurance policies!
For Whom are These Plans Designed?
Individuals who are pursuing full-time academic or technical education in a foreign country that is not their own, including those enrolled in traditional universities, English as a Second Language (ESL) programs and vocational schools. This also includes students participating in the Optional Practical Training Program (OPT).
Things To Keep In Mind About Requirements
If a student decides to study in certain locations, such as the United States, they may need to acquire a government-compliant plan. It is possible that international F-1 visa students in America will have specific requirements based on their state of study.Though all J-1 visa holders are mandated by the government to meet specified standards.
The StudentSecure is highly regarded as one of the top international health insurance options for students worldwide. However, if you haven’t made a decision yet, take a look at our Top 10 tips on purchasing student insurance. It’s always best to consult with an experienced agent before making any final decisions, given that there are various alternatives available and some may be better suited to your specific needs than others.
