• zInternationalStudents Blog

  • Sunday, June 25, 2017

  • Pre-existing conditions and denied coverage

    Filed Under: Health Insurance
International students who suffer from a health condition like type-1 diabetes face a kind of problem that seems like a paradox. The university makes it mandatory to have international student health insurance, and proof of coverage needs to be shown before commencing classes. But, many insurance companies deny coverage for pre-existing conditions. So, what is the solution?

Thinking from the point of view of the insurer, it probably makes sense that they will not cover pre-existing conditions. To cover for an event that has occurred before the coverage begins is not how insurance works. That will drive the cost of insurance up for every customer. If permitted, people will not buy insurance till some health condition that warrants coverage occurs.

But, seeing it from the perspective of a student who has to necessarily buy international student insurance, it is even more important that they are offered coverage.

There are many policies out there in the market that offer coverage for such students. One has to look around a bit. Also, one has to be prepared to pay more premium than a student who is not afflicted by a similar condition, and the coverage for the pre-existing condition may actually start after 2+ years of continuous coverage. Commenting is not available in this channel entry.

International Student Insurance (requires student status)
Visitor Insurance (does not require student status)