subject: International Student Medical Insurance And University Requirements [print this page] Internationalstudent medical insuranceis mandatory for any student studying away from his or her own country. If you plan on studying in the USA, you must show proof of your health insurance at the university you enroll. This is to basically ensure that in case of emergencies, you are covered for the cost of treatment since medical expenses and health care is exorbitant in the USA. If you do not have health insurance, you may not have access to adequate health care. By going in for sufficient international student medical insurance you can avoid unnecessary worry.Your health insurance must also cover your spouse and dependents if any.
How international student medical insurance works
A fixed amount or premium is paid by a group of people to protect themselves against future health care. This money is pooled and when someone in the group falls sick, a part or all of their medical expenses is covered from the pool. In the USA, health care is expensive both for residents and non-residents. It can be very difficult to find a physician in an emergency. As an international student, medical insurance will help you not only access a doctor quickly, but also handle the costs of treatment. International student medical insurance covers the medical costs, cost of prescription medicine, medical migration and repatriation in an emergency.
Some plans are structured in such a way as to include maternity coverage for a specific period from the date of the commencement of the insurance plan. Before deciding on a health insurance plan, make sure you get yours from a reputable insurance company. Here are some tips to help you check whether all the points are covered in your policy:
Check the duration and coverage of the policy as it must match the duration of your stay.
Check whether all deductibles and conditions are covered
Find out whether the repatriation costs and transportation to the medical facility are covered
Compare a few policies to check whether you have opted for the necessary benefits. Preferably get quotes from a few providers to get the best rates.
To make your stay in the US as an international student worry free, here are some tips:
Make sure your vaccinations are up to date. Get any additional medications, vaccinations and other relevant information you may need.
Put together a health kit with basic medications and first aid.
Keep details of your vaccination in your medical kit
Healthy habits will help you minimize illnesses
Make sure you stick to road rules and other local regulations to stay safe
What is covered under International student medical insurance
You can get medical insurance from various independent health care providers, details of which are usually available at the universitys student health department. Premium rates can differ based on what is covered in the health insurance package. Generally, you can expect coverage for emergency medical expenses, dental expenses, medicines, pregnancy and maternity expenses, evacuation, flight accidents, and others.
International Student Health Insurance is beneficial because it not only ensures that you have access to quality health care, but also avoid huge medical expenses.
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