• 31
  Jan
  2010

• Studying Abroad In Germany or France

  
  Filed Under: Health Insurance
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In the past few years, more and more universities in the United States are sponsoring study abroad programs to colleges in Europe. France and Germany tend to be popular destinations among undergraduates participating in study abroad programs. Consider Study Abroad Insurance if you are planning to participate in a study abroad or international exchange program.

Oftentimes, it is easier and cheaper to purchase international health insurance from a third party rather than from the university. In addition to being expensive, insurance provided by the university is a mess to deal with.

Most study abroad programs require you to purchase international health insurance before traveling overseas. Study Abroad Insurance provides health insurance coverage for participating students as well as their families.

Pick and choose from many different plans with various coverage limits ranging from $100K to $1,000K. International Study Abroad Insurance provides coverage for hospitalization, emergency medical services, repatriation, and problems of mental health. Many health insurance plans even provide coverage for pre-existing conditions.

• 28
  Jan
  2010

• Tailor Your OPT Insurance to Your Needs

  
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This is the perfect time to start looking for OPT opportunities—and with that comes the thought of OPT insurance. While it may be too early to purchase OPT insurance now, it is good to know more about the options out there, as also the best deal for your needs.

As with any insurance plan, the best insurance for Peter may not be the best insurance for Mary. So, decide on what your insurance needs are, and then go about looking for the best coverage and price that you are most comfortable with.

OPT insurance plans are generally short-term insurance plans. That means that they cover unplanned and unscheduled medical conditions. All emergencies and illnesses are covered, and most plans also include some sort of accidental death and dismemberment benefit.

Some of the factors you might take into consideration when selecting a plan include the length of coverage, the affordability of the plan, whether your college offers any plans at a subsidized rate, and the state of your health. Online comparison sites are a great way to compare different insurance plans.

• 26
  Jan
  2010

• Student Insurance Can Even Net You Extra Money!

  
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How would it be if you not just got better international student health insurance outside, but your college paid you for it too? Like icing on the cake? That’s what you might be eligible for, if you waive the college-sponsored plan in some colleges in the United States!

The way university or college-sponsored insurance works is that part of the insurance premium is negotiated and paid for by the college itself. However, coverage and terms of the college-sponsored foreign student insurance is usually more restrictive than outside insurance.

Some colleges encourage or reward graduate students who opt out of the college-sponsored plan, by providing a cash benefit or a cash buyout. For example, Brown University provides a $400 buyout for graduates who waive the college-sponsored plan. Colleges are prepared to buy out students who can prove comparable coverage because the less number of students the college has to cover, the less amount it spends on subsidy.

However, colleges may have their own conditions and deadlines for the waiver, and it is best to check whether your institution offers a buyout, and if so, its terms and conditions. If it does work out, though, it’s double advantage for you!

• 25
  Jan
  2010

• Starting a New Job

  
  Filed Under: Health Insurance
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Most college students upon completing their Undergraduate, Masters, or PhD degree often search for some type of a job involved with their university. Have you recently completed or earned a degree? Are you looking for work involved with research or academia?

Although you may no longer be a student, you still have to have proof of health insurance to work at a US credited university. Oftentimes, it is more affordable and less of a hassle to purchase health insurance through a third party rather than to purchase insurance through the university. Optional Practical Training Insurance provides coverage for any unexpected medical expenses that may arise during the duration of your work.

Optional Practical Training Insurance is designed for recently graduated students with F-1 visas looking for a job. To be eligible for this type of health insurance one must no longer be an enrolled full-time student. There are numerous health insurance plans that allow you to pick and choose what is best for you.

Optional Practical Training Insurance is purchasable for anytime between 5 days to 12 months, and can be renewed monthly.