When a student packs his bags to go abroad to study, health concerns are not at the top of his mind. However, international student health insurance is a must for international students in the U.S., and there are several affordable plans that provide adequate coverage.
Generally, a school or university mandates that a student have certain types of coverage, and there is usually a college-sponsored plan that meets those requirements. However, it is not necessary that a student purchase that plan. Several other plans that meet those stipulations do exist.
The U.S. government insists on certain minimum coverage amounts for exchange students to the U.S. Repatriation of mortal remains and emergency medical evacuation are two of those conditions. When a student opts for a plan, he/she must check that it meets these conditions.
Coverage for international student health insurance includes emergency and regular medical care. So, ambulance services, emergency room charges, and emergency medical evacuation are covered. Physician visits, medical tests, prescriptions, hospitalization, etc. are all also covered. When the student health center is first consulted, most plans have a zero deductible.
When you purchase an international student health insurance plan, your plan will likely offer you a choice of maximum benefits and deductibles. Choose the amount that is right for you. Repatriation of remains is usually included, but check to ensure that the plan features enough coverage for repatriation. Emergency evacuation benefits are also included.
If a student needs help with issues relating to drugs and/or intoxicants, or has mental health problems, the student health insurance plan will cover those conditions. Students in particular are vulnerable to these problems and one must remember to stay clear of such influences.
It is very easy to buy insurance online. After filling out a form and making the payment, the insurance ID card and “Declaration of Coverage” card are both available for download. Usually, the student needs to furnish these documents to the college before registration for classes.
Some Health insurance for international students feature other benefits such as lost baggage, travel help and legal help, if the need arises. A student can purchase the plan monthly, and renew if need be. Simple and neat, student insurance will really help a student when the need arises.