Foreign Student Insurance
October 19th, 2010 by International-Student-InsuranceMany insurance plans are designed to cover students while they are inside their home country. What happens when you travel to another country and need a health insurance plan to cover you abroad?
That is why many students, whether studying abroad, doing an exchange program, or studying as an international student, purchase a foreign student insurance plan. These policies are designed to cover you while you are outside your home country in case you have an accident or develop an illness.
For many schools, foreign student insurance is a requirement since medical cost can get expensive and they do not want their student’s stuck with a high medical bill.
To prevent this, many foreign student insurance policies offer a wide range of benefits covering beyond major emergency services including doctor visits, prescription medication, sports, etc. These policies can save you hundreds or thousands of dollars and in many cases, will help you navigate the unfamiliar health system that may differ from the health care you are familiar with at home.
International Provider Network
October 12th, 2010 by International-Student-InsuranceTraveling to a foreign country can be difficult, that is why our international student insurance offers an optional network to find local doctors and hospitals. Our Student Health, Travel Medical, and Major Medical plans all use the CMN network whether you are in the US or overseas. This worldwide directory of providers gives you access to more than 400,000 doctors and 7,000 facilities.
This CMN international provider network offers the following features:
- Ease in locating nearby facilities in case you need to seek medical attention
- US contracted physicians and hospitals that offer discounted rates
- Can reduce your out-of-pocket expense on your policy
- Direct pay from the insurance company paid directly to the hospital or doctor
You have access to these providers by simply navigating a user friendly search tool where you can identify providers by location as well as the type of physician or hospital.
International Insurance for Faculty Led Programs
October 4th, 2010 by International-Student-InsuranceAre you preparing to organize a student group to travel overseas? Whether you are looking for a customized international travel insurance plan for a short-term or long-term program, International Student Insurance works together with faculty led programs from many schools and organizations to ensure that they are protected in case a member needs medical attention overseas.
Our international insurance provides comprehensive plans that ensure that each faculty led program is tailored to fit your group’s needs. All of our international carriers are rated A+ excellent by A.M. Best, are equipped to handle your medical coverage internationally, feature travel assistance that includes translation services, and also includes a large international network where providers accept direct pay.
If you are interested in obtaining a quote for your faculty led program, you can contact our agents qualified to help you with your upcoming trip.
2010 Travel Video Contest
September 28th, 2010 by International-Student-InsuranceIt’s that time of year again, InternationalStudent.com is excited to announce its 5th Annual 2010 Travel Video Contest!
The first place winner will receive $4,000 and there will be some great runner up prizes as well. To be eligible, students must be at least 18 years old and enrolled or planning to enroll in a college outside of their home country.
To enter, students can submit a 5 minute or less video telling us what trip you’d like to take and why. The deadline for submission is October 29th, 2010.
We had many great videos last year and we look forward to this years videos – good luck to all!
Korean International Student Insurance
September 22nd, 2010 by International-Student-InsuranceAs an international student in the United States, it is highly recommended that you purchase an insurance plan while overseas. The US health care system is quite different compared to South Korea’s National Health Insurance program where health insurance is mandatory and the fees and treatment are standardized by the government.
Unlike South Korea, the United States does not automatically enroll you in an insurance plan since coverage is not mandatory. Additionally, the cost of health services, examinations, and prescription medication is much more expensive than what you may be accustomed to. It is not uncommon for an emergency visit to add up to thousands of dollars. To avoid this, you will want to enroll in an international student insurance plan that will cover you while studying in the US.
Korean international student insurance is a well-suited option for students studying in a foreign country. The plan is available in three levels to provide you with the coverage you are looking for. These plans cover doctor visits, hospitalization, prescription medication, emergency medical evacuation, repatriation, etc. With up to $300,000 in coverage, you will have the proper protection in case the unexpected occurs.
Please contact our insurance representatives who are available to answer your questions about your insurance options.
International Student Athletic Coverage
September 15th, 2010 by Bryanna DavisMany international students playing sports may realize that their student policy excludes coverage for athletic activities. Whether playing football or basketball, you will want to know the type of International Student Athletic Coverage coverage that is specifically included in your plan. For those who do not already have a policy, you will look at many different policies with different benefits. The best advice is to check if the plan has sports coverage already included or if you can add it as an option. Be sure to ask and review the exclusions so there are no surprises! International student health insurance policies are more likely to cover this – however you will want to confirm by reviewing the benefits and exclusions of your plan.
One popular option for international student athletes is the Student Secure plan. The plan is offered in four levels, the Smart, Budget, Select and Elite, so that you can find the plan that specifically meets your needs. The Budget level covers organized sports up to $3,000 per accident and the Select and Elite levels cover organized sports up to $5,000 per accident (the Smart excludes coverage for organized sports) – whether it be intercollegiate, interscholastic, intramural or a club sport sanctioned by your school.
If you would like further information, please call one of our licensed agent to discuss your insurance needs.
Enrollment of International Students Drops in Australia
September 7th, 2010 by International-Student-InsuranceIn many countries, the number of international students studying abroad continues to increase each year. For Australia, however, the opposite is true. In fact, the number of Indian students alone has dropped from 65,503 last year to 29,721 this year – that is more than half!
With student security issues, legislative changes, and the financial crisis, the number of accepted students has dropped dramatically this year and many are predicting this will continue.
According to the Chronicle of Higher Education, this comes as no surprise with federal changes reducing the number of professions that lead to permanent residency. Furthermore, the government has also closed 15 private colleges that were high magnet schools for international students.
There has also been quite a stir among the international students. In fact, the number of Indian students wanting to study in Australia dropped almost 50%. This has been caused by the most recent publicized attacks on Indian students in Melbourne and Sydney. This in effect, resulted in a travel advisory issued by the Indian government.
According to the Australia’s Tourism Forecasting Committee, international students are worth $13 billion to the Australian economy each year. Of this total, Indian students compose of 19% of the international student enrollment – with the drop in international students the cost is expected to amount to $70 million.
Because of this, there is growing alarm of the expected impact to both international education and the economy. Carla Drakeford, president of the National Union of Students expresses that the “international student decline is dangerous for the university sector – not only because it creates a hole in university funding, but also because of the innate value international students bring to our community and higher education sector.”
International Student Insurance for the New School Year
August 24th, 2010 by International-Student-InsuranceAs the school season begins you will want to make sure that you are adequately covered in case the unexpected happens. International student health insurance is important to have in place in the event that you need to seek treatment at the doctor or hospital. In many countries, the health system may be structured differently than what you are accustomed to – whether it be nationalized health care or higher medical expenses. It is important to ask questions to determine if you will need a plan to fill in gaps and to provide you with additional health coverage.
There are many factors to consider when choosing the right plan:
- Do you want an emergency-only plan or one that will also cover you in the case you have a cold?
- Will you be playing sports? If so, will this be covered under your policy?
- Are you looking for a plan that will include routine visits, maternity, pre-existing conditions or mental health?
- Does your school provide insurance or do they have any requirements for an individual private plan?
Once you have determined the type of plan you are looking for, you will want to know more about how your plan works. We recommend asking questions including:
- What are my out-of-pocket expenses?
- How are claims paid?
- Is there a network of doctors or hospitals? If so, are they close to you?
- If there is a network, can you also go to an out-of-network provider?
- Who is the insurance company and what is their insurance rating?
Many international students find the Student Secure plan a well-suited plan. Not only is there 24 hour service in the event that you need medical referrals or translation services, but the plan is designed to cover you for doctor visits, hospitalization, emergency medical evacuation and repatriation. The plan is offered in three levels: the Smart, Budget, and Select. These options have been designed to find the best option for you and your needs. Many of these options include maternity, pre-existing conditions, sports coverage, and mental health.
If you have any questions about your international student insurance for the upcoming school year, our licensed agents are standing by to assist you throughout the process.
Student Secure Smart
August 3rd, 2010 by International-Student-InsuranceInternational Student Insurance is proud to introduce the third level of the Student Secure – the Student Secure Smart plan. This plan was designed with the international student in mind, particularly for those looking for an economical medical insurance. The Student Secure Smart features the following:
- $200,000 maximum coverage
- Hospitalization and doctor visits
- Repatriation
- Prescription medication
- Emergency medical evacuation
This plan will cover you internationally outside your home country for as low as $28 for one month! To view the details about our student health plan, you can view the details of the plan right online or contact our representatives for further information.
Seguro Medico Para Estudiantes Internacionales
July 26th, 2010 by International-Student-InsuranceSi usted es un estudiante internacional planeando a estudiar en otro país, es importante a saber sobre su sistema de salud. Por ejemplo, el sistema de salud en los Estados Unidos es privada y puede ser muy caro si no tenga un seguro medico. Para darse un ejemplo, una visita al hospital puede costar $2,500 y este no incluye la ambulancia, medicinas, etc.! Para prevenir este costo, nos recomienda un seguro medico internacional.
El plan Student Secure es nuestro seguro de salud para estudiantes internacionales. Este plan viene en dos niveles: selecto y económico. El plan provee la cobertura de una póliza integral de seguro médico con una cobertura máxima de $250,000 (económico) o $300,000 (selecto). El Student Secure cubre un estudiante fuera de su pais de origen y incluye maternidad, trastornos mentales, medicamentos recetados, actividades deportivas organizadas, evacuación médica a caso de emergencia, repatriación de restos, cargos incurridos por médicos y más.
Para ver más información sobre el plan, puede ver los detalles aquí o hablar con un representante.
