Universities usually provide their students with health insurance plans that fulfill visa and school requirements; however, some students prefer purchasing their international student insurance policy from an insurance provider outside the university plan.
Plans that cover mental health, maternity, medical evacuation and repatriation services can provide valuable protection for international student insurance policies. Here are some of the top plans available.
1. StudentSecure
Student Secure’s international student and scholar insurance plans (F-1 visa and J-1 visa holders) studying outside their home country is tailored to meet school and government insurance requirements. With four levels of coverage – Smart, Budget, Select and Elite – and monthly or advance payments options (or savings when paying upfront), Student Secure provides coverage such as Hospital Room & Board, Intensive Care Unit admission costs, Local Ambulance service use charges for outpatient prescription drugs coverage as well as mental health coverage as well as emergency evacuation. Plans satisfy school and government insurance requirements when purchased according to schools’ and governments’ insurance requirements. All plans meet school and government insurance requirements
This plan meets most school and government insurance requirements while offering excellent value for your money. It covers maternity, organized sports and mental health; travel assistance services; vaccination coverage and material accident coverage are among its benefits; making this an attractive plan choice for international students.
Many universities require international students to have medical insurance due to the high costs associated with healthcare in the US, making this type of policy an invaluable way to protect both your finances and yourself from unplanned events. While schools typically provide this coverage for their international students, purchasing it on their own can save money compared to using more costly school plans; additionally it may make more sense for older, OPT participants, married or divorced students looking for more flexible policies.
2. Cigna Global
International student insurance can be required as part of many study abroad programs, so it’s a wise move to purchase it as soon as you know you will be studying abroad. Such plans provide insurance against unexpected medical costs while giving peace of mind when traveling overseas. Choose between packages covering specific countries or all over the globe. Many plans also include deductible and co-pay payments to cover bills incurred while studying overseas.
Cigna Global is an award-winning provider of health insurance for expats worldwide. Their global network of doctors, healthcare providers, and support teams offer assistance when you need it; while customer service representatives are available 24×7 across multiple languages for around-the-clock support backed by financial resources and proven excellence.
Global insurance plans from this company are an excellent option for students studying in another country. Their comprehensive plans cover an array of expenses such as emergency medical care and hospitalization expenses – which could save you from incurring unexpected medical bills; in addition, these policies include preventive services that can help maintain physical and mental wellness during your time abroad.
Cigna offers global coverage that’s affordable and tailored to fit your budget, including access to telehealth tools that connect patients directly to physicians when needed, making the process more convenient and efficient.
3. Allianz Care
Healthcare costs in the US can be very costly, and an unexpected medical emergency could leave you facing huge medical bills. Luckily, many international student insurance plans cover such expenses so you can focus on studying instead of worrying about finances.
Universities typically provide health plans for international students; however, these do not always fulfill all the health requirements that may be necessary. To fill this void, private insurers like Allianz Care have developed budget-friendly plans.
Allianz Care offers international health plans tailored for students, such as the Care, Care Plus and Care Pro plans. Benefits may differ for each plan but all plans include up to $2,500,000 of coverage as well as private inpatient and day-care hospital treatment as well as oncology treatment, medical evacuation services, nursing at home services, rehabilitation treatment plans and preventative surgery procedures.
Other advantages include emergency evacuation coverage, free selection of doctor, and comprehensive coverage across 194+ countries worldwide. Some plans even cover preexisting conditions after a waiting period of two years!
Allianz provides individual international student health insurance as well as group corporation international plans, offering life & disability, global health services, administrative services and international healthcare in specific world regions. These plans can be utilized by companies of three to 100 employees located anywhere within the US – Allianz customers have exclusive access.
4. Geoblue
GeoBlue provides international student health insurance plans that cover coverage both inside and outside the United States, making their Xplorer plans one of the largest and most trusted networks of doctors and hospitals globally, in addition to offering comprehensive worldwide benefits as well as medical assistance services that make their plans ideal for student life.
GeoBlue’s Xplorer Premier plan offers coverage in the US with Blue Cross and Blue Shield PPO providers, while their Xplorer Essential plan provides coverage worldwide at 100% of cost minus any deductible. Both plans feature no waiting period for preventive care and prescription refills as well as an extremely low out-of-pocket maximum amount.
GeoBlue members also take advantage of an in-house medical assistance team available 24/7/365 who can assist in finding elite providers, setting up direct billing with them and preauthorization if required. GeoBlue is proud to be the preferred international student insurance provider at many universities and colleges such as Northwestern’s Kellogg Programs.
Geoblue may initially seem more costly, but their annual costs are lower due to only charging for services you actually require. Furthermore, their plans include optional modules which enable you to tailor them specifically.