• zInternationalStudents Blog

  • Saturday, December 16, 2017

  • How affordable is your “affordable” health insurance?

    Filed Under: Health Insurance
Most international students who study is universities in the USA come across international student medical insurance sooner than they get to attend classes. Universities that make health insurance mandatory also offer an affordable policy through an insurance company tied up with them. Such a policy meets the minimum requirements set forth by the universities. But, is a smaller dollar amount the only definition of "affordable"?

Since the coverage offered by an university-provided insurance policy has to cater to every student in the university and still cost less, they tend to be a bit inflexible and not as comprehensive as some other options available in the market.

The premiums are kept lower than average by having a considerably higher deductible, or higher percentage of co-pay. The array of medical expenses covered might not be as wide as those offered by similar non-university policies. The policy limit amount could be smaller too.

The point is, such a policy might meet the mandatory requirements and also be affordable for most students. However, a international student insurance policy is not just a document to have because you are expected to have it. If it is to be of any use when you are ill, you need to spend some time researching and buying a policy that meets your needs better than the policy you get by default. Commenting is not available in this channel entry.

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