Russian Study Abroad Health Insurance
June 16th, 2012 by ahoontrakul
Russia has become an economically powerful country in the world. Any students who have considered studying in Russia in the near future, now is a great time to do so because of its economic growth in the recent decades. However, many students going to study in Russia may find that they must obtain a Russian study abroad health insurance plan in order to apply for a visa.
International students are encouraged to have international health and medical insurance before arriving in Russia. If you will be studying in Russia for longer than 3 months, you should also know that Russian law requires an HIV test report to be submitted before arrival, so be sure to put it on the list of things to do prior to leaving your home country.
Purchasing health insurance while in your home country is recommended by many throughout Russia. “Educational institutions are able to offer only Russian state-subsidized health insurance provided by the old dilapidated system of Russian clinics and hospitals, so we strongly recommend securing your own international health and medical insurance before you arrive,” according to the Ministry of Education and Science of the Russian Federation Education in Russia for Foreigners webpage.
Our Russian study abroad health insurance plan called the Atlas Travel plan is a health and travel insurance plan available to students from anywhere around the world going to Russia. The plan provides comprehensive international coverage for inpatient and outpatient services, prescription medication, emergency medical evacuation, repatriation, doctor office visits, etc. With the Atlas Travel plan you can choose to have coverage from 5 days up to one year and it is renewable for up to 3 years in total so you can purchase it to match your specific coverage period that you need.
Feel free to contact our friendly customer service agents with any questions you have about our Russian study abroad health insurance plan.
Hungary Student Health Insurance
June 15th, 2012 by Bryanna DavisAre you considering becoming an international student in Hungary? Each year Hungary draws in international students that are interested in studying the sciences, who enjoy exciting nightlife and those that appreciate architecture.
A few of the top universities that international students in Hungary choose to study at include McDaniel College, Semmelweis University, Corvinus University of Budapest, Szent Istvan University, Budapest University of Technology and Economics (BME), Franz Liszt Academy and Central European University (CEU).
Although Hungary is a smaller country tucked inside of Europe, it still has plenty to keep an international student busy during any free time. There are many locations throughout Hungary where culture and history can be explored such as the Castle District in Budapest and the small town of Esztergom. A few other attractions that international students in Hungary will want to check out between hitting the books and attending classes include the thermal baths, the Great Hungarian Plain, the Elizabeth Bridge, the Caves of Aggtelek and the Budapest Parliament building.
It is a good idea to know ahead of time what you will need before classes start. If you will be an international student in Hungary for longer than 90 days, you more than likely will need to have a Schengen Visa before you arrive in Hungary. If you will be applying for the Schengen visa to become an international student in Hungary, you will need to have proof of Hungary student health insurance that meets the Schengen visa requirements. Also, if you have already decided which school you will be attending, it is important to check with that institution as well to ensure your Hungary student insurance plan will meet any requirements they have in place for international students.
If you would like more information on international student health insurance or to purchase Hungary student health insurance, contact one of our licensed agents today.
International Student Insurance Plan Updates 2012
June 14th, 2012 by ahoontrakul
In 2012, International Student Insurance made some very exciting benefit upgrades to the Student Secure and Atlas Travel plans – two of our most popular health insurance options for students overseas. Along with increasing coverage, most of our plans kept rates the same and some even had a rate reduction!
The Student Secure plan, a popular option for international students in the US, provides comprehensive medical coverage for sickness and injury. With the Budget and Select level, students have coverage for maternity, organized sports injuries as well as pre-existing conditions. Additionally, we’ve also improved the overall benefits on the plan including:
- Substance abuse is now part of the mental health benefit
- Emergency Room treatment is now covered after the deductible whether or not you are admitted into the hospital
- The local ambulance benefit has been increased to $750 on the Select level
- The emergency reunion benefit has been increased to $5,000 on the Select level
- Pricing is now available in both daily and monthly rates
- Rates have stayed the same – which means no price increase for even more coverage!
Our Atlas Travel plan is popular for students outside the US or for short-term trips inside the US. It provides medical coverage for sickness and injury with the option to have coverage up to $1 million and a deductible as low as $0! This year’s new Atlas Travel insurance plan updates include:
- Adventurous and hazardous sports are now automatically included at no additional cost
- Increased acute onset of pre-existing condition coverage
- Acute onset of dental pain is now covered up to $250
- Lower rates now available on non-US coverage
If you need insurance while you study overseas, or have any questions about our insurance plan updates, please contact one of our fully licensed heath insurance agents for assistance.
June 2012 Travel Warning
June 12th, 2012 by Jennifer FrankelSince our last travel warning update, back on May 5th, there have been a few revisions to the travel warning list. For this month’s June 2012 Travel Warnings, there have been a total of three travel warning revisions that we would like to inform you about:
– Travel warning for Lebanon – Issued 5/8/2012 – This travel warning replaces an already existing warning currently in effect. The new warning “urges U.S. citizens to avoid all travel to Lebanon” due to the spontaneous violence that can erupt without any warning. Additionally, the travel warning also states that there continues to be a “threat of anti-Western terrorist activity.” If you are planning to travel to Lebanon, be aware that the U.S. Embassy is limited and it is possible that services may be unavailable in certain parts of the country.
– Travel warning for Saudi Arabia – Issued 5/18/2012 – The May 18th travel warning for Saudi Arabia has been reissued from the previous warning in effect from August 5, 2011. While there were no changes from the previous warning, the US State Department continues to urge travelers who visit Saudi Arabia to be cognizant of the “presence of terrorist group…who may target Western interests, housing compounds, hotels, shopping areas, and other facilities where Westerners congregate.” When traveling to the area, be advised to stay alert of your surroundings and exercise caution.
– Travel warning for Mauritania – Issued 5/24/2012 – Also, as an update on an already existing warning from October 10, 2011, this travel warning urges extreme caution to visitors due to threats from “terrorist groups.” The warning discourages non-essential travel to the region, stating that some NGO’s, private aid organizations and Peace Corps suspended operations in the country.
For the latest on the June 2012 Travel Warnings, check the US State Department for recent updates and country profiles. With the Smart Traveler Enrollment Program, or STEP as the State Department refers to it, you can get routine information on your destination so that you can get assistance in case of an emergency.
Malaysia Student Health Insurance
June 8th, 2012 by Bryanna DavisThe Malaysian Ministry of Higher Education has set a goal to have over 200,000 international students enrolled in higher education in Malaysia by 2020 and an increase in the number of international students in Malaysia can already be seen according The Malaysian Insider. If you are already an international student in Malaysia or are planning on being included in one of those 200,000 international students in the future, you are in good company.
If you have already done your pre-trip research, you might have found that health care costs in Malaysia can be more costly than what you will find in other South East Asia countries. For this reason, many schools in Malaysia require that their international students purchase health insurance for the entire duration of their studies. If you will be an international student in Malaysia, you will want to find an international health insurance plan that will meet your school requirements.
The Atlas Travel plan is a popular option for Malaysia student health insurance and can be purchased either before you set off on your journey, or after you have already arrived in Malaysia. This plan is flexible allowing you to choose your coverage amount as well as your deductible, so finding a plan that will meet your school requirements but also your budget is easy.
A few of the benefits that are included in the Malaysia Student Health Insurance are hospitalization, doctor visits, prescriptions, emergency medical evacuation, repatriation of remains, lost luggage, accidental death and dismemberment, emergency dental, local ambulance, physical therapy, trip interruption and extreme sports coverage.
If you would like more information on Malaysia student health insurance or to purchase a plan, please contact one of our licensed agents today.
International Student Health Insurance Plan Update 2012
June 2nd, 2012 by ahoontrakul
As of June 1st 2012, our International Student Health Insurance plan (Student Secure Plan) has received multiple enhancements to its benefits and the best part is that even though the plan is now better, the price is the same as last year!
Here are some highlights of the new enhancements:
- Substance abuse is now covered as part of the mental health benefit of the plan –
Some colleges and universities in the United States require students to have insurance that will cover alcohol and substance abuse treatment. International students can purchase this plan to meet this requirement.
- Emergency Room is now covered after the deductible whether you are admitted as an inpatient into the hospital or not –
Compare this to some other international student health insurance plans that will not provide coverage if an emergency room visit does not result in being admitted as an inpatient.
On the Select level of the plan there are even more enhancements!
- Local ambulance benefit has been increased to $750
- Emergency Reunion benefit has been increased to $5,000
Lastly, we have heard your request! The Student Secure plan now has daily rates as well as monthly rates. For those who don’t need full month coverage, students can now purchase the plan for the exact number of days needed. Students needing five and a half months of insurance are no longer forced to pay for six full months worth of coverage.
Click here to get a free online quote now.
With these enhancements the plan still provides comprehensive medical coverage for sickness and injury to international students including doctor visits, hospitalization, prescription medication, emergency medical evacuation, repatriation, etc. With the Budget and Select level of the plan, students will also have coverage for maternity, sports injuries as well as pre-existing conditions.
If you have any question about our international student health insurance plan please feel free to contact us, one of our licensed insurance agents will be happy to help you.
Accidental Death and Dismemberment Benefit
May 25th, 2012 by Bryanna DavisInjuries and illnesses are usually not planned occurrences which is why many individuals purchase insurance. Although it might seem hard to prepare for the worst, often, it is a relief to the individual in the aftermath when they have come prepared to an unplanned situation.
If you are looking for an international health insurance plan to be prepared for the unexpected, to meet a requirement or maybe even both, that also includes an accidental death and dismemberment benefit, the Atlas Travel plan and the Student Secure plan are both popular options.
An accidental death and dismemberment benefit provides a sum in the event that the insured individual has an accidental death or becomes dismembered due to a covered illness or injury.
Individuals who are trying to meet the J-1 visa requirements might be interested in the Atlas Travel plan as it meets the US federal requirements and provides an accidental death and dismemberment benefit. The accidental death and dismemberment benefit for individuals between 18 and 70, includes the following:
- Lifetime Maximum: $25,000
- Death: $25,000
- Loss of 2 limbs: $25,000
- Loss of 1 limb: $12,000
For individuals younger than 18, the accidental death and dismemberment benefit for the Atlas Travel plan is as follows:
- Lifetime Maximum: $5,000
- Death: $5,000
- Loss of 2 Limbs: $5,000
- Loss of 1 Limb: $2,500
If you are an international student in need of health insurance to meet a school requirement, our Student Secure plan also includes an accidental death and dismemberment benefit for the primary participant with the select level, it is as follows:
- Principal Sum Lifetime Maximum: $25,000
- Death: $25,000
- Loss of 2 Limbs: $25,000
- Loss of 1 Limb: $12,500
Whether you are trying to purchase an international health insurance plan to be prepared for the worst or to simply meet a requirement, if you would like more information on the Student Secure plan or the Atlas Travel plan and their accidental death and dismemberment benefit you can visit here or contact one of our licensed agents today.
Finland Student Health Insurance (2012)
May 19th, 2012 by ahoontrakulFor many years, International Student Insurance has been the leading provider of Finland student health insurance for international students from around the world. With comprehensive health coverage, the plan will meets and exceed the insurance requirements so that students can receive their residence permit.
This year, for those students looking for insurance in Finland, we have good news! Our Atlas Travel Medical Plan rates have been reduced for those individuals between the ages of 18-29. Students can now expect to save around $20-$30 a year of coverage!
There are also a number of benefit enchantments as well – the most exciting is that now adventurous and hazardous sports are now automatically included in the plan at no additional cost. If you are traveling to Finland, you may purchase the plan up to 364 days with the option to renew.
The new rates for 364 days of coverage are:
|
$50,000 Policy Max |
$0 Deductible |
$100 Deductible |
|
18-29 yrs old |
$342.16 USD |
$302.12 USD |
|
30-39 yrs old |
$556.92 USD |
$491.40 USD |
|
$200,000 Policy Max |
$0 Deductible |
$100 Deductible |
|
18-29 yrs old |
$455.00 USD |
$400.40 USD |
|
30-39 yrs old |
$724.36 USD |
$637.00 USD |
For students who will be studying in Finland less than two years, you must have private health insurance which covers costs of at least 100,000 Euros. With US$200,000 coverage on our Atlas Plan it will be able to meet this requirement. If you will be studying for two years or more in Finland, you are require to have insurance coverage of at least 30,000 Euros. If you choose a US$50,000, this coverage amount will be able to meet the requirements.
If you apply for your Finland student health insurance now, coverage can begin on the same day and your documents can be email to you right away!
While we recommend the Atlas Plan for most students, you can also choose our Student Secure plan to meet your Finland requirements as well. The Student Secure plan gives you the option of also having coverage for mental health, maternity benefits as well as pre-existing conditions.
Don’t forget, you can contact our insurance agent if you have any questions about our Finland student health insurance.
International Students in Missouri
May 18th, 2012 by Bryanna DavisInternational students in Missouri or individuals planning to be an international student in Missouri will have a wide variety of activities to stay busy between studying. Since Missouri has Kansas City on the west side of the state and St. Louis on the east side, either side of the state you choose study in you will find city entertainment just a short drive away.
Listed below are a few of the city attractions that Missouri has to offer and as an international student in Missouri you will want to be sure to visit.
Kansas City:
The Plaza
West Port
The Steamboat Arabia Museum
Worlds of Fun
The American Jazz Museum
The Hallmark Visitor Center
The Power & Light District
St. Louis:
The Saint Louis Zoo
The Saint Louis Science Center
The Muny at Forest Park
The Arch
Six Flags St. Louis
Grant’s Farm
Meramec Caverns
The Delmar Loop
International students in Missouri who are looking to experience the country side that the state has to offer are in luck as well. There are miles of fields throughout Missouri and plenty of farm-life activities to experience year-round. There are a plethora of farms that are open to the public during certain seasons that give visitors a chance to hand-pick their own produce. Depending on the time of year and what fruit or vegetable is plentiful, there is a chance that visitors can pick buckets of apples, cut the perfect pumpkin, chop down a Christmas tree or pluck a few beans.
If you are one of the many international students in Missouri, there is plenty of opportunity to see both rural life and city life in the United States.
Before you head out to the fields or make your way downtown, ensure you have proper international health insurance that will cover you wherever you go. Contact one of our agents today for more information on a plan that will work best for you.
International Students without Health Insurance
May 11th, 2012 by Bryanna DavisIf you are one of the many international students without health insurance you could be risking more than you think. The United States does not have universal health care meaning the government will not cover your medical expenses that are acquired while you are studying in the US. Since your medical bills are not taken care of by the US government it is highly recommended, and depending on your visa perhaps even required by the US federal government, that you purchase private health insurance.
Since health care in the US can be expensive and bills can accumulate quickly, having health insurance is a means of protection. International students without health insurance could be left with thousands of dollars of debt if a major accident were to occur.
Students with an F-1 visa are not required by the US to have adequate health insurance coverage, however, colleges and universities often have their own insurance requirements in place that international students must meet.
Individuals who will be in the US with a J-1 or J-2 visa must fulfill the following US federal government visa insurance requirements:
• Medical benefits of at least $50,000 per accident or illness
• Repatriation of remains in the amount of $7,500
• Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $10,000
• A deductible not to exceed $500 per accident or illness.
An insurance policy secured to meet the benefits requirements must be underwritten by an insurance corporation with an A.M. Best rating of “A-” or above, an Insurance Solvency International, Ltd. (ISI) rating of “A-I” or above, a Standard and Poor’s Claims Paying Ability rating of “A-” or above, or a Weiss Research, Inc. rating of B+ or above. Alternatively, the sponsor may ascertain that the participant’s policy is backed by the full faith and credit of the government of the exchange visitor’s home country.
If you are one of many international students without health insurance looking for a plan that will meet federal or school requirements, contact one of our agents today to find a plan that will meet your needs.
