Budgeting and managing expenses is a common concern for most international students who aspire to study abroad. Expenses related to tuition fees, monthly accommodation, your transportation charges, food expenses and other extra expenses maybe a little more than expected, and if not planned wisely, it may result in stress and confusion. In addition to these, as an international student, it is a good idea to take into account the cost you will spend on your student health insurance plan in USA.
International students who move to the US for education usually require an F1 visa. For a student on an F1 visa, there are not a lot of government-mandated requirements to acquire health insurance. However, you must acquire a health insurance for f1 visa that will meet your school's requirements.Healthcare in the US is a little more expensive than other countries, and without an insurance policy, your medical expenses are only going to be a burden on you. A one-time visit to the doctor can approximately cost between $100 – $200. On average, it will cost you around $800 only for general visits. If you were to meet with an accident or fall sick, the medical expenses might cost you a fortune. This is why it is extremely important for you to buy a health insurance plan in USA as an international student.
Listed below are a few commonly available international student health insurance in USA plans :
As an international student in the US, you can either apply for your student insurance before leaving for your study destination or after you reach there. However, it is always best to get your insurance registered before you leave your home country so that you can avail the benefits from the moment you reach your destination. That is why you should get started with your insurance application procedure way before your departure.
As a student, you might not be aware of the process or the terms that are used during the registration. Familiarizing yourself with a few common terms like "claim, premium, deductible, co-insurance", will make the process easier for you.
When you apply for your health insurance, it is imperative that you clearly mention all and any existing medical conditions if any. Only if you mention it will you be able to use your insurance to cover the expenses of your medical needs and medication. If you fail to do so, you might not be able to avail all the benefits of your plan.
Listed below is a list of things that you should keep in mind while applying for international student health insurance in USA:
The cost of an international student health insurance package differs depending on the age of the student and even the city and state they live in. However, most international student health insurance in the USA plans are quite affordable. In general, an average student health coverage in USA costs between USD 1000 and USD 3000 per year. You can always choose a plan that will fit your needs and expenses.
While some universities specify a particular insurance policy, others allow you to pick your own plan. There are also possibilities for certain universities to offer you a waiver on your insurance. Before you choose your plan, make sure to check the requirements listed by your university.
This is one of the most important steps while applying for a student health coverage in the USA policy . It usually covers the medical expenses for any injuries or new illnesses. However, routine checkups are not included as part of your package. Some policies also include dental care as part of the package. Therefore, make sure to carefully study what your policy offers you.
Purchasing a student health coverage in USA policy is mandatory. However, it is equally important for you to lead a healthy lifestyle and take care of yourselves while away from home. If you are confused about which international student health insurance in USA will fit your needs, seek expert advice from our consultant to help you choose the right plan and course.
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