International Students (F1 visa) Health Insurance, their spouses and children (F2 dependents) are required by US Universities to have good medical insurance coverage. International Students (F1 visa) Health Insurance plans cover medical expenses (pre-existing conditions & pregnancy may be covered), prescription drugs expenses, emergency medical evacuation and repatriation.
International Student Insurance - Introduction
International Student Insurance plans are designed to the special needs of international students enrolled in US universities. Spouses and children (dependents) of international students (F1 visa) are also eligible for these plans. International Students (F1 visa) and their dependents (F4 visa) are usually not eligible for mainstream UShealth insurance coverage because most of mainstream policies require local residency (6 months to 2 years) or US citizenship.
International Student Insurance plans focus on providing coverage for your medical expenses resulting from sudden illness or injuries during your period of study. International Student Insurance plans typically offer coverage for 4 or more years.
A few plans for international students offer maternity coverage provided conception occurs after a certain period of coverage (can range from 3 months to 2 years).
We have created a friendly online insurance compare/quote facility. Here you have to simply enter the relevant information. Our system will then search all your options from leading insurers and produce a list of plans that you are eligible for. You can then easily compare the different plans based on their price and different offerings. You can then select the one that you like best and purchase it directly online.
International Student Insurance plans focus on providing coverage for your medical expenses resulting from sudden illness or injuries during your period of study. International Student Insurance plans typically offer coverage for 4 or more years.
A few plans for international students offer maternity coverage provided conception occurs after a certain period of coverage (can range from 3 months to 2 years).
We have created a friendly online insurance compare/quote facility. Here you have to simply enter the relevant information. Our system will then search all your options from leading insurers and produce a list of plans that you are eligible for. You can then easily compare the different plans based on their price and different offerings. You can then select the one that you like best and purchase it directly online.
International Student Medical Insurance - Benefits
- Emergency Medical Expenses,
- Dental Expenses,
- Prescription Drugs
- Pregnancy, Maternity Expenses
- Emergency Medical Evacuation
- Repatriation of Mortal Remains
- Emergency Medical
- Accidental Death & Dismemberment (AD&D)
- Flight Accident or Common Carrier Accidental Death & Dismemberment
- Home Country Coverage
Emergency Medical Expenses:
International Student Insurance plan will pay for Hospital, in-patient and out-patient medical expenses incurred due to the treatment of injuries or illness occurring during the trip. Covered expenses include hospital room, intensive care, surgery, diagnostics, X-rays, tests etc.
Dental Expenses
Most International Student Insurance plans include accidental dental coverage (expenses related to teeth injured in an accident) but very few offer emergency dental coverage (expenses related to sudden tooth ache, infection etc.).
Organ Transplants
Most International Student Insurance plans include coverage for expenses related to organ transplants.
Mental Health Expenses
Most International Student Insurance plans include accidental dental coverage (expenses related to teeth injured in an accident) but very few offer emergency dental coverage (expenses related to sudden tooth ache, infection etc.).
Preventive & Wellness Checkups
Most International Student Insurance plans include accidental dental coverage (expenses related to teeth injured in an accident) but very few offer emergency dental coverage (expenses related to sudden tooth ache, infection etc.).
Prescription Drugs
Most International Student Insurance plans treat prescription drugs as emergency medical expenses and hence covered.
Pregnancy & Maternity Expenses
In the event of pregnancy and child birth a few select plans will pay for the associated costs. This benefits is only available to those who have been covered by the plan for a certain minimum number of months (the minimum number varies by the plan).
Emergency Medical Evacuation:
If the attending Physician determines that adequate medical treatment is not locally available, the plan will pay for evacuation to the nearest adequate medical facility.
Emergency Medical Re-union:
When Emergency Medical Evacuation or Repatriation is ordered and the attending Physician recommends that a family member travel with the Insured, the program will pay for the costs of a person accompanying the insured.
Accidental Death & Dismemberment (AD&D):
In case the Insured is injured or dies in an accident during the Trip, the policy will offer certain pre-determined amounts for loss of life, loss of one limb, loss of two limbs, loss of eyes etc.
Flight Accident or Common Carrier Accidental Death & Dismemberment (CADD):
In case the Insured is injured or dies on a commercial flight during the trip, the policy will offer certain pre-determined amounts for loss of life, loss of one limb, loss of two limbs, loss of eyes etc.
Home-country Coverage:
During a long USA stay (H1B, H4, J1 workers, F1, F4 students, Green Card holders awaiting citizenship) if you have to make unexpected short incidental trips to your Home Country the plan can extend coverage in India as well.
International Student Health Insurance - Characteristics
- Features for renewals so that periodic premium payments can be made
- High coverage amounts up to $5 Million for long term stay in the
- Various levels of Deductibles and Co-insurance to suit your needs
- Possibility of covering pre-existing conditions
- Maternity coverage after a certain period of time
- Reduced rates for dependent children `
- Most plans can make direct payments to hospitals and doctors
Emergency Medical Expenses:
International Student Insurance plan will pay for Hospital, in-patient and out-patient medical expenses incurred due to the treatment of injuries or illness occurring during the trip. Covered expenses include hospital room, intensive care, surgery, diagnostics, X-rays, tests etc.
Dental Expenses
Most International Student Insurance plans include accidental dental coverage (expenses related to teeth injured in an accident) but very few offer emergency dental coverage (expenses related to sudden tooth ache, infection etc.).
Organ Transplants
Most International Student Insurance plans include coverage for expenses related to organ transplants.
Mental Health Expenses
Most International Student Insurance plans include accidental dental coverage (expenses related to teeth injured in an accident) but very few offer emergency dental coverage (expenses related to sudden tooth ache, infection etc.).
Preventive & Wellness Checkups
Most International Student Insurance plans include accidental dental coverage (expenses related to teeth injured in an accident) but very few offer emergency dental coverage (expenses related to sudden tooth ache, infection etc.).
Prescription Drugs
Most International Student Insurance plans treat prescription drugs as emergency medical expenses and hence covered.
Pregnancy & Maternity Expenses
In the event of pregnancy and child birth a few select plans will pay for the associated costs. This benefits is only available to those who have been covered by the plan for a certain minimum number of months (the minimum number varies by the plan).
Emergency Medical Evacuation:
If the attending Physician determines that adequate medical treatment is not locally available, the plan will pay for evacuation to the nearest adequate medical facility.
Emergency Medical Re-union:
When Emergency Medical Evacuation or Repatriation is ordered and the attending Physician recommends that a family member travel with the Insured, the program will pay for the costs of a person accompanying the insured.
Accidental Death & Dismemberment (AD&D):
In case the Insured is injured or dies in an accident during the Trip, the policy will offer certain pre-determined amounts for loss of life, loss of one limb, loss of two limbs, loss of eyes etc.
Flight Accident or Common Carrier Accidental Death & Dismemberment (CADD):
In case the Insured is injured or dies on a commercial flight during the trip, the policy will offer certain pre-determined amounts for loss of life, loss of one limb, loss of two limbs, loss of eyes etc.
Home-country Coverage:
During a long
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