Healthcare, Health Insurance, Vitamins, Nutrition

October 20, 2009

International Students Health Insurance – Global USA

Filed under: Health Insurance — Tags: , — blogadmin @ 5:46 am

The Global Student USA international insurance plan is ideally suited for international scholars and students who are leaving their home country to pursue higher studies. This international student medical insurance popular for its comprehensive benefits at affordable premiums.

The Global Student USA insurance policy meets the J1 visa requirements. In addition, it is suitable for F1 visa holders who are studying in the US. This is highly popular among international students as it meets the requirements specified by most of the educational institutions and programs, community colleges and universities in the US where foreign students are admitted.

The Global Student insurance policy offers wide range of coverage including in-patient and out-patient hospital services, childbirth, pregnancy and miscarriage related complications, prescription drugs, doctor consultation and other emergency travel assistance services which may require evacuations and repatriations.

Full-time international education program participants between 14 and 64 years of age who are outside their country of citizenship are eligible to buy this global student insurance plan. The plan does not offer optional coverage benefits and is not available for dependents.

The insured can renew and continue to remain in the same plan as long as the premium is paid before the lapse of the insurance policy.

In case the insured misses out on paying the premium on time, there is a 31-day grace period allotted for renewal. The insured would be eligible for full refunds if the policy certificate is submitted within 10 days of purchase after which no refunds are available.

The global student USA insurance plan becomes effective once the completed enrollment form is received along with the premium. In case you prefer a specific effective date, you can specify it at the time of submitting the application. When the insured is in the home country, this plan is very restrictive in the coverage benefits.

Coverage would end when the policy date expires, the policy is terminated as per the date requested in the enrollment form, the insured fails to meet the eligibility or the premium is not paid on time.

September 23, 2009

International Student Insurance Coverage Amount

Filed under: Health Insurance — Tags: , — blogadmin @ 5:32 am

Foreign nationals studying in the USA are required by the university to buy international students insurance. Often the guidelines provided by the university would include suggestions on what typically ought to be covered, what it would roughly cost and maybe even a list of standard insurers that may be approached.

Most universities require a student to be covered for a medical maximum of $200,000 to $300,000 per injury or illness. There are several policies that suit the unique needs of medical insurance for international students.

Perchance the university has not provided guidelines, students would be wise to analyze their possible requirements and compare and contrast several international students insurance plans, before zeroing in on one. A reputed insurance advisor would come in handy here.

Go online and get a list of the common procedures done in the state where you will be and the coverage amount for each of them. Several states publish a list of the 25 most common procedures. The list would indicate the procedures, the facilities where they might be done and also the costs accruing to the patient.

For instance, the list would show you that an overnight stay might cost you $5000 or more in a particular state, or an appendectomy would set you back $18,000 and even an over-the-counter headache pill would cost a pretty penny.

These formidable costs make insurance doubly imperative, especially if traveling with spouse or partner. Maternity and childcare insurance will cover you for $200 doctor’s visits and $1000 ultrasound scans. If a c-section is indicated, buy extra coverage. Also remember that all policies do not cover post-natal complications.

An unmarried partner is not covered at all, pre or post-partum, but may be added to the list once married. Even then, post pregnancy complications would still not be covered. Do realize that covering your spouse in addition to yourself is expensive, but necessary.

The best thing is to insure yourself with insurance for international student for about $ 500,000 if single, higher if with partner, after perusal of the insurer’s clauses. If treatment is by a network doctor or hospital, direct billing should be possible so that the financial strain upfront is reduced. In case of hospitalization in an out-of-network hospital, keep careful track of all operating and non-operation expenses, prescribed medicines (sometimes an aspirin can cost $5) so you can make your claims accurately.

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