Why International Student Health Insurance is Necessary in USA?

1. Why International Student Health Insurance is Necessary in USA?

2. For foreign students coming to the U.S. on a student visa, most probably an F1 visa, life is about to get very exciting. There are a whole lot of new cultural and academic experiences waiting to welcome them as they step into this country with a lot of anticipation. While there will be many who come on scholarships, there will be an equal number of students who are here on the back of heavy student loans. Whether you are a scholarship student or a student with a loan, there are undoubtedly expenses that need to be covered during your stay in the U.S.

3. One of the heaviest expenditures in the U.S., whether you are a citizen or a student, is healthcare. This might come as a shock to students from countries in Europe or Asia where healthcare is heavily subsidized or sometimes free. Not so in the U.S. That is why it is so crucial to take an international student health insurancewhen you come to the U.S.

4. An F1 visa health insuranceis the insurance that students take on their own volition as this is not a requirement by the government. However, most educational institutions insist that students do take a comprehensive health insurance plan, either from the educational institution itself, or from a private health insurance company, and for good reason. Even a small health crisis can result in exorbitant hospital bills which can set back a student by many hundreds or even thousands of dollars. This is a scenario that can be very stressful for students, added to the pain and stress of the health crisis! Also it can be difficult to concentrate on one’s studies if financial worries are added to the situation. All of this can be avoided by the simple act of taking a health insurance of your own when you enter the country.

5. For Chinese student health insurance USA, there are a lot of options to choose from, whether it is from the educational institution that they are enrolled in or from a private insurance company. Schools offer different types, such as the mandatory group health insurance plan which is an automatic enrollment once you pay your tuition fees, but provide very good coverage although you cannot choose the type of coverage. The other type of insurance is the group health insurance plan which has an option to waive the insurance if the student has already taken an insurance plan that is equal to this. You would have to first check with your school what are the requirements of their health insurance if you are taking one from outside as you need to find one that offers the same or even better benefits if you have to be eligible for the waiver.