If you are a student and desire to pursue education outside your home country then international student insurance is a must. It offers an affordable solution for life threatening situations that come your way unexpectedly. Student visas and educational institutions require visiting students to be covered under an exclusive student health insurance for secure life abroad.

Your domestic insurance will not follow you while studying abroad. A comprehensive international student insurance travels with you wherever you go. Hence, international student health insurance is a suitable option for students studying in USA and abroad. It is specifically designed to meet the special needs of students enrolled in USA or other universities.

International students and their dependents are not eligible for local US health insurance, as it requires local residency or US citizenship. There aren’t any government specified health insurance requirements for visiting students. However, some individual universities require students to purchase insurance that meets certain requirements and show proof of the insurance before enrollment. Typically these universities will offer insurance themselves. Students would be wise to look outside the university for insurance that meets the requirements as it might be cheaper. A waiver form will have to be filled by the insurance company if the student decides to buy from outside the school.

Spouses and children (F4 visa) of international students are also eligible for coverage under international student insurance plans. There also exists a suitable plan if you feel the need to cover only your spouse and children. Many insurance companies have come forward to provide quality insurance coverage that a student can easily afford.

The highest coverage amounts to $5 million, which is similar to the main-stream plans offered to permanent US citizens. These plans can be renewed after a fixed period, to ensure the regular premium payments. Many students opt for international student insurance with a medical maximum between $200,000 and $300,000 per injury or illness. Most international student medical insurance offer direct claims settlement via PPO networks in USA. Some policies waive or lower deductibles if treatment is initially sought at the University’s Student Health Center.

International student medical insurance typically covers doctor visits, prescription drugs, hospitalization, emergency medical evacuation and repatriation, surgery, act of terrorism and much more. Some plans also offer coverage for pregnancy or maternity expenses.

A variety of assistance services are available 24/7. These services include finding a doctor in an unknown location, making arrangements for emergency medical transportation and multilingual services. These valuable services support you throughout your study abroad.

Your destiny might bring something unexpected for you, while you adjust yourself in new surroundings. However, international student health insurance bestows peace of mind as you know that whatever happens to you or your family, you have got a trustworthy insurance to meet the need.