Before you can start classes, you will be asked for details of your international student health insurance. At that stage, it might feel like it is easier to go with the plan offered by the college. However, it is not the sole international student insurance, and students can purchase international student health insurance from other sources as well. Students must, however, arrange to send proof of insurance to the college.
International student health insurance plans typically cover all illnesses and conditions that cannot be treated by the student health center, or in case of emergency. International student insurance usually pays for all treatment, be it outpatient or hospitalization, diagnostics, prescriptions, physiotherapy, chiropractor charges, and any treatment that is deemed medically necessary.
If you suffer from a mental disorder or substance dependence to the extent that it requires treatment, your international student health insurance plan will cover such expenses. Some international student insurance plans also cover the student's trips to the home country, so that the student is continuously covered by international student health insurance.
Your international student health insurance will not cover expenses related to treatment for pre-existing conditions (as defined by your particular plan) and dental and optical care. If the treatment is for cosmetic purposes, or experimental in nature, you will not be covered. However, termination due to other reasons is not covered.
Students can choose from various options for the international student health insurance maximum coverage amount and deductibles. The premium payable will depend on these choices. Both comprehensive and fixed benefits international student insurance plans are available, and the student can choose the plan that suits him most.
Purchasing international student health insurance online can be a hassle-free experience. Different/Various available plans can be compared and the international student insurance that best suits individual needs can be paid for through check, money order, or credit card.
It is not necessary to purchase international student health insurance only after arrival in to the United States. If you decide to switch colleges midway through your course, you will still be covered, as plans generally offer national coverage. In a country with high healthcare costs, especially for a student from another country, international student health insurance can be a life-saver.
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Erica Bailey frequently writes about international student health insurance. Visit : http://www.internationalstudenthealthinsurance.net
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