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International Student Health Insurance

International Student Health Insurance Explained

International student health insurance is tailor-made to meet the requirements of students studying outside of their home state. This article will describe the main features, coverage, and approximate costs of these plans.

Serving to offer travel medical insurance while away from home, while including benefits explicitly designed for students, international student health plans have a unique combination of benefits such as emergency medical evacuation, sports, and mental health.

These choices also offer coverage for the entire duration of a study, allowing students to retain one plan throughout their education.

Main Features of International Student Health Plans

Specialized Benefits

In addition to providing standard healthcare benefits such as hospitalizations and prescriptions, many student-focused plans include coverage for mental health, organized sports, and pre-existing conditions. The student’s school will often need these benefits, but core benefits such as emergency medical evacuation and repatriation that students need while studying and traveling outside of their home nation. Bear in mind that institutions may have their insurance requests, so before buying a plan, ensure you check your school’s insurance requirements to see if they have the best international student health insurance plan in place or choose your own.

Dependent and Family Coverage

Because of the specialized nature of these types of plans, most choices are limited in their coverage for dependents or offered at a much higher rate. Thus, students traveling with a family will be required to pay more for coverage or look for other options, such as a travel medical plan.

Renewable for the Whole Study Period

These plans offer a monthly payment option, and typically coverage can be renewed for up to four years, allowing students to buy a single plan for their entire duration abroad. Some choices offer incidental home country coverage, meaning for every 3 months of coverage, learners can visit their home country for up to 15 days and still receive care under their policy.

Aged-Based Pricing

Because students tend to be young and healthy, their insurance plans tend to be more affordable. Premiums are determined by age and are usually broken down into multiple coverage levels, helping students stay within budget while remaining in control of their coverage.

International Student Health Insurance Cost Including the U.S. in Coverage

While it is common knowledge that health insurance inside America is expensive, the cost of international student plans tends to be more budget-friendly. Under the age of 25, learners can expect to spend between $30 to $140 a month, depending on the level bough, but the costs rise dramatically for older scholars. Because these plans are geared for traditional students, by the age of 40, individuals can expect to spend about $300 a month on these plans they may benefit from a major medical or travel medical insurance plan, depending on the type of coverage they are searching for.

International Student Health Insurance Prices Excluding the U.S. in Coverage

In addition to age, the cost of international student insurance plans is often not determined by the exact nation of study, but by one simple question: are you learning inside the United States, or not? For those opting to study in other countries around the world, good news — your plan will most likely be cheap. Individuals under 25 years can get ideal plans for under $100 per month, or as low as $24 per month, depending on the plan level bought.

What International Student Health Insurance Plans Won’t Cover

International student insurance plans are designed to cover new illnesses or injuries, so wellness or preventative care, like yearly checkups, most likely won’t be covered. Depending on the plan, pre-existing conditions may be covered after a waiting period of 6 months to 1 year, and typically vision and dental will not be covered at all.

Who these Plans are Intended For

Full-time learners and scholars studying outside of their country of citizenship at traditional colleges, English as a Second Language (ESL) programs, technical schools, and individuals on OPT.

Resources and References:

• Factors to Consider Before Selecting an Insurance Plan
• Coverage for Pre-existing Conditions