International Students Blog
Wednesday, May 16, 2012
- 19
Aug
2009 -
Is your health insurance coverage adequate?
Filed Under: Health Insurance
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Just having insurance coverage is not enough. The insurance coverage has to be adequate too. Many a student has learned this truth the hard way. Especially those involved in sports, and covered by the University.
The University says, “You concentrate on the sport. We will take care if you sustain any injuries.” To a large extent and in most cases they are honest and correct in that claim. But there are still some things you have to take care, if you use the coverage provided by your school or college.
- Know about your policy: Make sure that your policy covers all possible reasons for which you may need coverage. Knee/shoulder problems that might result from “overuse” are sometimes excluded.
- Follow up with your school/college: If you use the benefits of the policy, make sure the doctors, hospitals, etc. are paid on time. Due to administrative reasons, Universities some times end up delaying payment. Remember, it hurts your credit-worthiness, not the University’s.
- Buy more insurance (if you have to): If at any point you feel your University-provided coverage doesn’t seem adequate, get extra coverage for yourself. And don’t forget the sports rider.
- 18
Aug
2009 -
International Student Health Insurance for University of Idaho
Filed Under: FAQ
Q: Hello,
I'm a full-time international student at the University of Idaho, and I'm looking for a health insurance the fulfills the requirement stated by the university. I've looked at your web page but I'd like to make sure before buying the everything is correct.
Please find a list of the requirements:
INTERNATIONAL STUDENT HEALTH INSURANCE REQUIREMENTS
� At least a $500,000 lifetime medical maximum benefit.
� Annual deductible not to exceed $500 per accident or illness
� Co-payment amount not greater than 25% so that the insurance pays at least 75% of charges.
� Accidents and illness coverage to include maternity insurance.
� Repatriation coverage of at least $7,500.
� Medical evacuation coverage of at least $10,000.
� Company must have a licensed claims office within the U.S. with a U.S. phone and fax number.
� Company must provide coverage in the Moscow, Idaho area of emergency, non-emergency, outpatient and inpatient care, and mental health care.
Does your insurance cover all the above requirements? and if that is so, how much would I have to pay to get covered from 08/19/2009 to 05/25/2010?
I'm looking forward to your quick response,
Thank you very much beforehand,
Naroa Urrestarazu
A: Thank you for contacting us. You can purchase the Student Health Advantage plan. The plan offers $500K lifetime maximum benefit and meets your requirements.
The URL to get quotes, review details and purchase the Study USA plan for International Students is https://www.zinternationalstudent.com/buy/student-health-advantage-insurance/
You can review the brochure at http://www.zinternationalstudent.com/brochures/student-health-advantage-insurance/index.pdf
Email us the waiver form if you need it to be completed after the purchase.
Please feel free to call us at 877-593-5403 if you have any questions.
Thank you for providing us an opportunity to be of service to you!
- 18
Aug
2009 -
Opting for Optional Practical Training? Get your OPT Insurance
Filed Under: Health Insurance
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Students who are on an F1 Student Visa in USA can apply for OPT. This is an optional work experience for students to augment their classroom learning. The status of a student opting for OPT is somewhere in between that of an actual student of a University and an employee of a company.
The University may not consider him/her a full-time student any more. And, he/she may not be considered an employee in a company in the complete sense of the word. It is possible that the University might discontinue providing health insurance benefits for this category. Also, it takes time for the employer to start coverage, and in the mean time one might not have any coverage. It is also possible that health coverage might not be a part of the employer’s offer at all.
One has to make sure that health coverage is available during such a period as well. With classroom learning coming to an end, and with a prospect of a job in hand, it is even more important to stay covered, and be prepared for a medical emergency. This brings to fore the need to have a health insurance plan suitable for that phase of life.
When you opt for OPT, don’t forget OPT Insurance...
- 17
Aug
2009 -
International Student Insurance - Check?
Filed Under: Health Insurance
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Passport – check. Visa – check. All necessary documents – check. So, all set to become an international student? Think again.
Q: What is the most vital thing most students keep postponing before they start their education abroad?
A: International Student Health Insurance.
Now, why does it happen? Mostly due to inaccurate information regarding a few simple questions. Read on for a simple Q and A on the basics of Insurance coverage for International Students
Q: What exactly is it?
A: It is an insurance policy to cover (read, pay for) your medical expenditure should you need medical attention during your stay outside your own home country.
Q: Why do I need it?
A: Your domestic health insurance is usually inadequate to cover illnesses abroad. That is why you need an international health insurance coverage.
Q: How much will it cost?
A: Depends. But, it isn’t much. And, it might cost you a lot less to be insured than being uninsured.
Q: What options can I choose from?
A: There are many providers, and many types of policies. Here’s a list.
Q: Which is the best plan?
A: That is a highly subjective question. The answer to “Which is the best?” largely depends on what you want. Compare the features and benefits of multiple insurance plans before making a decision.
Q: When should I buy it?
A: Sooner the better. Preferably before you start your education. Sometimes, it is mandatory to have coverage before you can start classes.