International student insurance plans cover those students who gain admission in various schools in the US or move out of the US to another country to pursue higher studies. To avail the best benefits, students should opt for an appropriate international student insurance plan offering worldwide coverage.
The international student health insurance plan covers a wide range of benefits like medical expenses, prescription medication expenses, mental health coverage, sports coverage, maternity costs and also coverage for terrorist attacks. The plans that have been put forth by established insurance providers are likely to be approved by many schools both in USA and Europe and meet the requirements of the schools in those countries.
Once you gain confirmation of your admission in any school, contact your insurance provider to ensure that the insurance plan opted by you would be accepted by the school. The insurance companies send you the completed waiver form which you can provide to the school’s Student Health Centre.
International student insurance plans cover not only the participants of the international school but also the dependants of the individual including spouse and children. You need to be aware of both benefits and exclusions of the plan you opt for.
Read the pre-existing conditions clause of your plan carefully. Most of the plans state that a waiting period of 12 months is required to cover the benefits. But some of the schools insist on a 6 months waiting period. In that case, you need to find a plan which meets the requirements of the school.
Every individual who wants to avail international student health insurance plan should meet certain eligibility criteria. For instance, you need to either be a full time student or a full-time scholar performing research for a minimum of 30 hours every week in an educational institution. The international student insurance plan also requires a valid educational visa as proof.
In addition to the individual, dependants also need to meet some eligibility criteria. In case of spouse, a legal marriage proof is required. Children should be less than 19 years and unmarried. They should be dependant on the individual for support.
Ensure the financial stability of the insurance provider by researching on AM best rating. The insurance plans should be underwritten by an established organization. The company should provide round-the-clock assistance across all countries during emergencies.
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