• zInternationalStudents Blog

  • Thursday, June 22, 2017

  • Things You Did Not Know About International Student Insurance

    Filed Under: Health Insurance

There are many aspects about international student insurance that many people are not aware of. There are many benefits and exclusions that may seem surprising related to this form of insurance coverage and here are some of them:

• If international health insurance coverage for students includes the United States, the premium will be higher. This happens because the healthcare system in the United States is more expensive than in other countries.
• There are various levels of insurance for people studying abroad. You can choose a smart, but cheaper solution; you can choose budget or premium coverage. The difference between smart and budget can be up to 50%, while the monthly installment for the premium coverage can even be double as compared to the premium for the smart coverage. 
• Insurance premiums are calculated differently depending on the age of the insured. Therefore, the younger the international student is, the lower the premium will be. For example, a monthly premium for a student between 20 and 24 years of age will cost less than $40, while it will cost almost $90 for someone who is between 31 and 40 years old. Each provider has its own levels of coverage and premiums depending on the age of the beneficiary.

International student insurance can also come with various exclusions apart from the benefits. These exclusions may be different from one provider to another, but basically they include the same things such as congenital conditions, substance abuse, organ transplants, eye exams, and more. The list of exclusions includes many more circumstances and they should always be studied before deciding on international student insurance policy.

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