Eligibility Criteria for Medical Insurance for International Students
International students who gain admission in the US or move out of the United States to another country to pursue studies can opt for international student insurance plans offering worldwide coverage to avail best benefits.
The insurance for international students plan offers comprehensive benefits which broadly cover medical expenses, prescription medication expenses, maternity costs incurred, mental health coverage, sport coverage benefits and also protection during any terrorist attacks. Most of these plans are approved in almost all countries in USA and also Europe. There are many plans that meet the requirements of the schools in the United States.
Your insurance provider can confirm to you whether the school where you have gained admission would accept the international student insurance plan chosen by you. Most of them send you a completed waiver form which you can produce at the Students Health Centre.
International student insurance plans cover not only the participants of the international school but also the dependants of the individual including spouse and children. You need to be aware of both benefits and exclusions of the plan you opt for.
Make a note of the pre-existing conditions clause of your insurance plan. Most of the plans require a waiting period of at least 12 months before you can avail the benefits of these conditions. But some of the schools insist strictly that the international student health insurance plan should not have a waiting period of more than 6 months. In this case, choose an appropriate plan which meets the requirements of the school where you have gained admission.
To avail the medical insurance for international students plan, you should meet certain eligibility criteria. For example, you need to be a full time student in a college / university or be associated with an educational institution as a full-time scholar and perform research for a minimum of 30 hours per week. While opting for an international student insurance plan, the individual also submits a valid educational visa for proof.
Like the international students, dependants should also meet eligibility conditions to be covered for the benefits. For example, if the dependant is a spouse, legal proof of marriage with the individual needs to be produced. Children should be less than 19 years and should not be married. They should be dependant on the individual for maintenance and support.
Ensure the financial stability of the insurance provider by researching on AM best rating. The insurance plans should be underwritten by an established organization. The company should provide round-the-clock assistance across all countries during emergencies.
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