Why You Need International Student Health Insurance in the U.S.?

1. Why You Need International Student Health Insurance in the U.S.?

2. For students coming into the country on an F1 visa, it might be tempting to consider not taking an F1 visa health insurance at all! This is simply due to the fact that the US Department of State does not mandate that F1 student visa holders must have health insurance. This is left to the student to decide. There are certain colleges or universities which have made it mandatory for international students to have a health insurance plan or coverage. So international students need to check with their academic institutions about the requirements for F1 visa students, even if the government does not mandate that it is necessary for them to have it.

3. Variety of Insurance Plans Available Schools, colleges and universities may have different policies for students regarding their health insurance. There could be a group insurance plan that is sponsored by the school, which might be mandatory for all foreign students to enroll in. Some schools offer insurance plans but do not strictly require students to enroll in them. They give students the option to waive off this plan. Then there are institutions which do not offer any insurance coverage sponsored by them, but require students to have health insurance anyway. This can be bought from a trustworthy insurance company or agency that specializes in student health insurances.

4. For those wondering about Chinese student health insurance USA, this can be of two types, depending on the kind of visa that the student is on. It could be either an F1 (in which case health insurance is not mandatory) or a J-1 exchange visa (in which case a minimum insurance coverage plan is mandatory). For those on the J-1 visa, it is required to take health insurance coverage from a provider of their choice. This should cover medical benefits amounting to a minimum of $50,000 for each accident or illness, as well as expenses for medical evaluation that comes to at least $10,000, and repatriation of any remaining expenses for accidents or illnesses to the amount of $7500. Different Types of Chinese Student Health Insurance USA

5. International students could either opt for the insurance coverage that is sponsored by their academic institution or take one of their own from an insurance company after doing a thorough study of the various options. Taking insurance from a company that specializes in international student health insurance has the advantage of getting support and assistance from the staff to be able to make a better decision from all the options available. It also helps to understand the policy of the educational institution before putting your money into an insurance coverage plan. The information available can help in making the entire process simple and easy to follow. Process of Seeking Insurance Coverage