The Importance of International Student Health Insurance
College provides students with many unique and rewarding opportunities. One of these opportunities is the option to study abroad, which means you get to travel to a foreign country and enjoy their universities and culture. The best way to stay healthy and fully enjoy your trip is to get the best international student health insurance possible. You can also pair your international student health insurance with travel insurance, which will provide comprehensive coverage against any unforeseen accidents or circumstances. And if you do get sick in another country, you can get the proper medical attention that you need and return home safe and secure.
Health insurance for international students not only covers Americans going overseas, but also non-Americans coming into the States to study. Every student that studies abroad should get international students health insurance because you never know what could happen at the airport, on your flight or in another country. You don't have to be a citizen of a country to receive medical treatment, and you don't have to be wealthy to afford an international student health insurance plan. Paying the cost of health insurance every month is a small price for your financial future. You just need to know how to manage your money and make it an integral part of your student budget.
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Health Insurance Plan Basics
The first thing you need to do is to find the right insurance company that will cover all of your international student health insurance needs. It would be wise to research both insurance companies in your home country and abroad to find who has the most benefits for the best price. The best thing to do would be to ask any family members or friends about the health insurance they have used when traveling abroad, or you can go on the internet and ask study abroad students about their health insurance for international students. Always choose a company that has a history of good care and high ratings of customer satisfaction.
The next thing you want to do is to be sure the international student health insurance plan you choose should has these minimum features covered in it:
- Office visits
- Hospital stay
- Prescription drugs/li>
- Preventative & wellness checkups
- Intensive care
- In & outpatient surgery
- Mental disorder and substance abuse
- Lab & X-ray
- Pre-existing conditions
Along with these features you should also choose international students health insurance plans that offer access to:
- Major directories that list hospitals, doctors, and physicians around the world
- Country information such as phone numbers, maps, health system information, hospitals, vaccinations, and more
- Security profiles that cover the latest information on terrorism, kidnapping, and a country's political danger
- Drug translation guides that help you determine if your prescription has the same name in another country
- Medical translation guides that help you translate the medical terms of your host country if they are different
Health insurance prepares you for the unexpected. It is the safest way to keep you healthy and to help you pay for expensive medical bills. Even though you may not use it, always factor health insurance costs into your student budget and don't gamble your college days away.