subject: What Your International Student Medical Insurance Will Cover [print this page] What Your International Student Medical Insurance Will Cover
So you have decided to travel to the US for your education, it will be a momentous day. Education abroad is a choice many people make daily. It is not only about quality education but also the thrill of going to a new location and learning much more than from the classroom. International exposure is an important part of learning and work today.
Whatever choices you make, there are certain procedures that must be followed before you are a part of the university or institute. Many universities require that all the documentation for travel, insurance and visa be in place before being confirmed admission. In some cases your travel agency or Visa people will be able to help you with making arrangements to have your international student medical insurance sorted out.When looking for insurance as per the requirements set by your university or the US health authorities check to see the various offers available.
Sometimes if you can spend some time to compare the costs you may be able to find a deal that is suitable and not too expensive. You will find that there are international student health insurance plans offered by the university or school you are choosing to study with. Clarify the terms and see if you find that affordable and satisfactory. You can choose if you want just basic coverage in case you have no need for regular medical attention or any serious health concerns.
There are also other policies which will provide you with a more comprehensive coverage should you require it such as global medical.When applying for insurance check for coverage in the area you will be at and see if there are differences in coverage based on travel to other parts of the country, a student you will of course be traveling around and visiting new locations. If you need a continuous assessment and evaluation long with medication you may have to pay higher premium but ensure that medical facilities near you are covered under the insurance policy.
International student medical insurance is a mandate in almost all admission procedures and you can decide to extend it or shorten it based on the duration or your study or research program. When you have your international student medical insurance in place, be sure that you claim for it within the stipulated period if you go for some medical reasons. The necessity and the importance of a treatment that is done is also considered by insurance companies when paying for the medical care of students. So if you plan to have a nose job done or some other kind of cosmetic surgery while you are there, your insurance will not pay for those.
To claim for the insurance you must have proper letters from the doctor who treated you signed and sealed clearly stating reasons and what was done and the costs incurred should be legitimate. Insurance fraud is a serious offense. If you have participated in some medical study then that will not be covered under your international student medical insurance.
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