Best Health Insurance for International Students in the USA

Moving out of your home country to the United States of America to study can be an experience of its kind. Besides giving you a global outlook, there is a vast opportunity of meeting students from across the world. Here, you will experience a new culture, meet individuals with varied backgrounds, and see historical sites in the US you only knew from books. While there’re an endless amount of experiences for international students at their fingertips, studying in the US comes with some logistical challenges, health matters being one of them.

It is obvious that when you’re outside your home country, you are vulnerable to fall sick because of the sudden changes in weather and that you will now be living in a new cuisine and environment. In light of this, therefore, planning your stay in the US begins by taking health coverage. You may be having your home health insurance cover, but, unfortunately, you may not use it in a foreign country. Many hospitals and doctors in the US will not recognize or accept out-of-the-country health insurance cover, and this explains why you are required to have a good international student US-based health insurance plan to keep you secure in case of a medical emergency. The good news is that there are many companies offering health insurance plans. Here below is a list of some of the best health insurance for international students in USA:

The Best Health Insurance for International Students in the USA:

1. International student insurance

If you are looking for the very best health (with insurance plans included) to fit your unique needs of international student and study abroad, then the International Student Insurance may be the right fit. All of its plans are offered at the most affordable rates. Their health insurance plans are not only recognized in the US but also around the world. It boasts of providing international students with high-quality health coverage for their everyday needs. It has at least three health insurance plans (that is Travel Medical, Major Medical, and Student Health), but the latter is the best plan for international students having their studies in the USA.

The Student Health plan from this insurance offers global health insurance covers for international students. It has been designed to meet the health insurance needs of most colleges and universities in the US and abroad. The plan is available in 4 levels (Smart, Budget, Select, and Elite), and each offers a myriad of benefits.

There is no question about the reputation of International Insurance plans as they are all administered under the umbrella of HCC Tokio Marine Medical Insurance Services Group. It is also underwritten by the infamous Lloyd’s of London, which as we all know has the best rating by Standards and Poors as well as AM Best.

2. Student Health Advantage

This is yet another best health insurance cover designed for groups (of five or more) or individual scholars/students engaging in a sponsored program taking place in the US. This insurance comes with a comprehensive annual renewable medical plan. Student Health Advantage meets international student visa requirements and includes benefits for mental health, maternity, international emergency care, pre-existing conditions, and organized sports.

IMG, which runs Student Health Advantage, ensures that educational adventures in the US is not enjoyable, but also gratifying. The plan is considered responsive and flexible, designed to particularly to meet the demands of international students participating in long-term educational programs. When seeking medical attention, foreign students under this medical cover have access to at least 17,000 health care providers spread across the US.

To be eligible to apply for this international student health insurance, the applicant must meet the following conditions:

• Must be a full-time scholar/student, the spouse of the full-time scholar/student, or an independent person travelling with the full-time scholar/student
• Must be a foreign citizen in the US, coming into the country for the purpose of undertaking international educational chores including college/university coursework, research, or tutoring for a limited period
• Must be legally and physically residing in the US for at least thirty days on the arrival date
• Other Visa and university/college medical college requirements apply
Student Health Advantage plan for internationals students come with a myriad of values, benefits, and coverage to keep students/scholars healthy and safe. This insurance cover is highly affordable, and therefore your budget healthy is catered as well.

3. Study USA Insurance for J1 visa scholars and F1 Visa Students

Study USA Health medical insurance is a highly affordable insurance to foreign scholars/students perusing their students in the US. It is also an excellent plan for the US students registered to study abroad. Study USA is a comprehensive and a flexible plan designed to meet the specific needs of students and dependents alike. It is important to note that this insurance meets the health/medical insurance requirements for foreign students at many colleges and universities in the US.

Students subscribing to this insurance plan are entitled to a wide array of benefits, which include the following:
• The plan meets J1 visa conditions or requirements
• The plan offers comprehensive coverage with benefits per incident
• Waiver of deductibles if medical services are first received from student’s health center
• Full compensation in case of dismemberment or accidental death
• Other benefit includes emergency reunion, lifetime maximum protection against terrorism, repatriation of remains, and maternity care among others.

4. Patriot Exchange Health Insurance program

This is one of the best insurance programs tailored for individuals or group (five or more) scholar/students studying in the US or participating in a cultural exchange program. It is designed to meet J1 and J2 US travel health insurance requirements. IMG, through this plan, ensures that student’s medical coverage is certain as it offers a 24/7 comprehensive package of international benefits. Individuals together with their dependents can seek medical attention with a doctor or hospital of their choice if they have this plan.

To be eligible to apply for this international student health insurance, the applicant must meet the following conditions:

• Must be a full-time scholar/student, the spouse of the full-time scholar/student, or an independent person travelling with the full-time scholar/student
• Must be a foreign in the US, coming into the country for the purpose of undertaking international educational chores including college/university coursework, research, or tutoring for a limited period
• Must be legally and physically residing in the US for at least thirty days on the arrival date
• Other Visa and university/college medical college requirements apply

Conclusion

Why should you care about your health insurance when you have books, rent, and tuition to worry about? Yes, this is one of the most common concerns among lots of foreign students traveling to the US. Behold, since injuries and sickness do not give notice, it is imperative to get a comprehensive health insurance cover lest they jeopardize your academic plans. While there is an endless list of options to consider, those explained above are some of the best health insurance for international students in USA offering exceptional health benefits.

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