Medical Insurance for International Students: Medical Insurance for International Students is tailored to meet the needs of students studying outside of their country of origin, and this article describes the main characteristics, coverage and approximate costs of these plans.
Functioning as the perfect combination of traditional travel and medical insurance, medical plans for international students have a unique combination of benefits such as sports, mental health, and transportation in case of a medical emergency.
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These options also provide coverage for the total duration of the studies, allowing students to maintain a single plan throughout their education.
Main Characteristics of Medical Insurance for International Students
In addition to providing standard health care benefits, such as hospitalizations and prescriptions, some student-focused plans include coverage for maternity expenses, mental health, pre-existing conditions, and organized sports. These benefits are often required by the students’ school, but there are basic benefits such as medical emergency transfer and repatriation that students need while studying and traveling outside of their country of origin.
Keep in mind that institutions can have their own insurance applications, so before purchasing a plan, be sure to check the school’s insurance requirements to see if they have a reasonable insurance plan established or if you can choose your own plan.
Coverage of Dependents and Family
Due to the specialized nature of this type of plans, most options are limited in coverage for dependents or are offered at a much higher price. Therefore, students traveling with their family will need to pay more for this coverage or look for other options such as a medical travel plan.
Renewal for the full study period
These plans provide a monthly payment option and usually, the coverage can be renewed for a maximum of four years, allowing students to acquire a single plan for the full duration of their studies abroad. Some options, such as our Student Secure plan, offer incidental coverage in the country of origin, that is, for every three months of coverage, students can visit their country of origin for up to 15 days and still receive assistance based on their policy.
The younger sector, lower premiums
Since students tend to be young and healthy, their insurance plans are more accessible than conventional insurance. Premiums are determined by age and are often divided into several levels of coverage, allowing students to stay within budget while keeping their coverage under control.
Average prices including coverage in the United States
While it is known that medical safety within the United States is expensive, the prices of plans for international students tend to be much more accessible than traditional coverage. Students under the age of 25 may consider spending around $ 50 per month, but prices increase considerably for older students.
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Since these plans are aimed at traditional students, at the age of 40, people should consider an expense of approximately $ 300 per month in these plans and would obtain greater benefits from major medical insurance or a health insurance plan.
Average prices excluding coverage in the United States
In addition to age, many times the prices of insurance plans for international students are not determined by the specific country of study, but by a simple question: are you going to study within the United States or not?
For those who choose to study in other countries around the world, good news – your plan will be more economical. People under 25 can get excellent plans for approximately $ 41 per month or at a price as low as $ 27 with smaller options. As a reference, check the pricing options of our medical security plan for students, the Student Secure.
What does not cover medical safety plans for students?
Insurance plans for international students are intended to cover new diseases or conditions, but aspects such as well-being and preventive care, such as annual routine exams, will most likely not be covered. Depending on the plan, pre-existing conditions may be covered after a waiting period of 6 months to 1 year and generally, the visual and dental check-up services are not covered at all. To rule out future assumptions, be sure to read our article “Student Insurance, Myths and Realities”
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For whom do these options work best?
Full-time students and academics who study outside their country of citizenship, in traditional universities, English as a Second Language (ESL) programs, or technical schools, including studies with optional practical training (OPT). Frequently, dependents do not qualify for these options on their own and require the student to be in the plan, although this will be more costly.
Requirements that you should consider
Depending on where the student decides to study, you must acquire a plan that meets the government’s requirements, as in the United States. International students in the United States with an F1 visa do not need to follow the strict standards of the Affordable Care Act for the first 5 calendar years within the country, but all holders of a J1 visa must comply with the standards required by the government.
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For most, the Student Secure is one of the best health insurance plans available to international students, offering a perfectly adequate global coverage for an international student, but if you are still considering your options, visit our “Top 10 insurance purchase tips. for students”
For any insurance product, you are considering, we always recommend that you speak with an insurance agent about your needs and ask before buying the product, as there are always many options available and some may be more suitable for you than others.