Medical Insurance for Students in the US
All international students are required to have medical insurance for the
duration of their studies in the United States. Insurance covers major
medical illnesses and injuries. You must consider for health insurance
policy when planning to join a US College. It is fine, if you already
have an insurance plan, which covers expenses during your stay in the US
like medical care etc, if need arises. If not then you have to buy one,
as you may need it at some point of time.
Many of the college in
the US have designed student health insurance plans to cover your
emergency need. In addition, student health insurance plan designed to
meet your visa requirements. However, you can opt for an insurance plan
offered through your college or some other agency. When buying plan from
elsewhere, you have to submit proof of insurance plan papers to
college. Browse your college website to know details of student health
The system in the States is one of the best and
most expensive in the world. Quality health care is available everywhere
in the country from a variety of sources. The key lies in knowing the
proper procedures and knowing where to go for specific kinds of care.
This knowledge can save an international student significant amounts of
time and money.Because health care for a major accident or
illness can cost hundreds of thousands of dollars, most Americans have
health insurance to minimize the costs.
Many colleges and
universities have their own health insurance plans for their students.
According to a recent independent study, larger U.S. schools tend to
have better international student insurance programs than smaller
schools. Participation in the plan is often mandatory, especially for
non-U.S. students. But if you need to take individual plan for health
insurance first explore the market and educate yourself with all the
terms and terminologies of the travel insurance cover that will help you
to avail the best insurance.Tips for Heath Insurance for Students
FAQs on Medical Insurance
- Certainly check
what is included in your insurance policy but most importantly, check
what is EXCLUDED from your travel insurance policy.
the area you are going to. What is the weather likely to be like? Is
there any danger of hurricanes or tropical storms? Floods? How about
Mosquito borne disease? What is the crime rate like? Whatever the
perceived dangers your research uncovers then make sure that your travel
insurance covers you for that eventuality.
- Discuss Your
Existing Medical Conditions and Requirements - You need to carefully
assess your likely medical requirements and make sure that these are
declared to the insurance company.
- Motor Driving Insurance- If you intend to
drive make sure that you are adequately covered. Many hire companies
charge astronomic excesses in case of an accident. Make sure that you
insured for that excess.
How do I enroll in my school's group insurance plan?
you are enrolled in a school that has a group-sponsored plan, your
advisor or administrator will handle your enrollment. You will receive
an Identification Card with an insurance certificate number in the mail.
If you don't receive this card, be sure to speak to your advisor or
Some schools require that students use a Group
Access Code to purchase and enroll in the school's insurance plan. Your
school advisor or administrator will provide this access code if it is
needed.Does my school already provide insurance for me?
noted above, some schools have sponsored group insurance programs with
insurance companies. Ask your advisor or administrator to see if your
school has sponsored such a plan. If your school has not sponsored a
group plan, you can buy individual plans.I need proof of coverage in order to sign up for my educational travel plans. What can I do?
you are in a group plan through your school, you will receive your ID
card, which is proof of coverage, through the mail. Talk to your advisor
or administrator if you haven't received your ID card.
purchase an individual (voluntary) plan from insurance from one of the
company website using a valid credit card, you will receive a
confirmation email with your proof of coverage information. If you
choose to pay for your coverage by check or money order, you will
receive an ID card as proof of coverage.