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Find the package that fits your insurance needs

Top 10 Tips for Getting Student Insurance Since buying international student insurance can be a confusing process, we've put together 10 helpful tips to make your decision a little easier. From school and visa requirements to overhead, these tips are a great way to start your search for the perfect insurance plan for international students. Be sure to read our ten tips and notes and check out our article on securing international students if you want to learn more.

Insurance for studies

When choosing a plan, keep these tips in mind: Don't wait until the last minute Buy a package that meets your visa requirements Don't forget your school's requirements. Find out if you need a waiver form Check your eligibility See specific benefits don't spend too much Know your subject Check how long you can plan Check your cancellation policy

Don't wait until the last minute This is the first tip mentioned because it is also the most important. While your school doesn't require you to plan ahead, it's never a good idea to put off something as important as health insurance too long. It's best to start looking for a good policy early, even before you leave your country, and insure coverage as soon as you arrive. Are you looking for an easy way to compare insurance plans for international students? Use our comparison table.

Buy a package that meets your visa requirements Many parts of the world (such as the United States) have health insurance requirements that you must meet in order to enter, depending on your visa. F1 visa students are not required to follow federal regulations and must instead follow the guidelines set by their institution. On the other hand, J1 visa holders are subject to a strict list of government duties, including repatriation and eviction coverage, as well as approved minimum validity periods. Don't forget your school's requirements. Your school knows that not all insurance plans are created equal. For this reason, many schools have created a coverage exemption form, which lists the requirements that international student plans must meet in order to be considered comparable.

Since schools rarely make exceptions to these requirements, it's important to find a plan that meets your exemption and purchase it in advance. You can find your school's insurance claims by contacting the Office of International Affairs or quickly searching the school's insurance claims database. Find out if you need a waiver form Tip: To avoid headaches, contact a licensed insurance agent to understand all of your requirements before purchasing a plan.

Insurance for studies

Some schools not only require you to have an international health insurance plan, but they also require your insurance company to complete a Coverage Exemption Form (also known as a Compliance Form) to prove that you have adequate coverage. After making a purchase, all you have to do is fill out the applicant's part of the form and send it to your insurance company to fill out. From there, the company will fill out the rest of the form, sign it at the end, and then email or fax a copy directly to the school.

Check your eligibility Each health insurance plan has certain criteria that must be met to be eligible. Insurance options for international students require a valid student visa, but they will not request inside information, such as a Social Security number. These programs sometimes require you to attend school for a certain number of hours each week to remain eligible, so make sure you meet the eligibility requirements of each program before purchasing.

See specific benefits Since you're likely to have the same insurance plan for the duration of your studies, it's essential that you know exactly what the plan covers and what doesn't. To get started, make sure your plan has traditional coverage like doctor visits, hospital stays, and medications, with a maximum policy high enough to make you feel comfortable. In addition, your international student insurance plan should cover travel benefits, such as emergency medical evacuation and repatriation of remains. Plans for international students generally do not cover prevention or medical care, so be sure to review the contents of your document for regular checkups.

don't spend much... Although no one expects insurance costs, health insurance for international students is generally quite affordable, as students are usually younger and healthier. In addition to the monthly fee, it is also important to note that any costs you may incur...... Sometimes these unexpected expenses come in the form of deduction, coinsurance, or copayment. Always ask your insurance company to explain these expenses to you in detail, as this will help you understand how much and how much you will need to contribute to eligible expenses...

Know your subject Having a plan is important for your health, but as mentioned above, you're also more likely to meet school or national requirements. International insurance plans, such as our Confidential Student Plan, usually provide a visa letter with your purchase, but if your consulate or school requires it, otherwise you should know what the insurance company offers. Not having the required documents on time can delay the processing of your visa application or prevent you from registering for courses.

Check how long you can plan Typically, plans designed specifically for international students can be renewed for up to 4 years, but some plans, such as our Student Health Benefits plan, can be maintained for up to 5 years. If you've been in a study abroad program for less than a year, a travel plan will provide you with traditional medical benefits, such as doctor visits, as well as benefits like emergency medical evacuation. One such package is the Atlas Travel package, priced as low as $0.79 per day. Remember that any illness or injury treated under your original plan will be considered a pre-existing condition in the new plan and will likely not be covered, at least. until the end of the waiting period. Therefore, it is important to remain on the same plane. As soon as possible.

Check your cancellation policy Life is unpredictable. Your school may not approve your alternative insurance plan, you may be denied a visa, or you may have to return home unexpectedly due to a family emergency. In case you no longer need your coverage, it is important that you understand the terms of the cancellation to see if you are eligible for a refund and stop future payments. Normally, if you cancel your plan before the effective date, you will receive a full refund, but cancellation fees may apply after that date. While these 10 tips for getting student insurance are a great start to your search, remember that this is just the beginning. Be sure to ask a licensed insurance agent any questions you may have about the plan before you purchase it, and don't be afraid to verify that the plan meets your school or visa requirements. you or not.

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