Finland Student Insurance – New Lower Rates
March 29th, 2010 by International-Student-InsuranceGreat news for all our international students in Finland, the rates for the Atlas Travel Medical Insurance plan have been reduced. This means, on average, international student in Finland will save around $20 to $50 on their annual insurance to meet the requirements laid out by the Finland Government.
The new rates for 1 year of coverage are:
| $50,000 Policy Max | $0 Deductible | $100 Deductible |
| 18-29 yrs old | $365 | $321.20 |
| 30-39 yrs old | $424.31 | $373.40 |
| $200,000 Policy Max | $0 Deductible | $100 Deductible |
| 18-29 yrs old | $483.63 | $425.59 |
| 30-39 yrs old | $552.06 | $485.82 |
The new rates are in effect right now, so you can go right online and apply for your annual coverage right now. Your documents will be available immediately, so you can print them off and show them as proof of coverage. If you need your hard copies mailed, that will also not be a problem – still apply online and then email us with your request and we will get that processed.
For more information about our plans for International Students in Finland, please visit:
http://www.internationalstudentinsurance.com/finland-student-insurance/
Introduction of the Health Access Plan
March 26th, 2010 by International-Student-InsuranceThe Health Access plan has been recently introduced as our new domestic insurance plan designed to cover US citizens and US permanent residents. This affordable plan provides the flexibility to begin coverage the next day with a lifetime maximum of $1 million. The Health Access plan is annually renewable featuring:
– Doctor visits including preventative care & immunizations
– Inpatient & Outpatient coverage
– Emergency Room & hospitalization
– Drug coverage with copay
– Pre-existing condition coverage
– Freedom to choose your doctors and hospitals
This college student insurance is well-suited for students who are no longer covered under their parents’ insurance plan. Because the Health Access does not require you to be a full-time student, you can also purchase coverage after you graduate or are no longer a student.
Health Access is available in two levels – Plan B and Plan C. The rates are competitively prices at $83 per month with Plan B and $104 per month with Plan C for individuals ages 18 to 30. If you’d like to find out further details, please contact us to speak with a licensed agent.
Travel Health Insurance for the World Cup
March 23rd, 2010 by International-Student-InsuranceWith the world cup just under 3 months away, excitement around the world is starting to grow as teams and countries prepare for one of the largest tournaments in the world. 32 teams (and of course all their respective fans) will descend on South Africa in June when the tournament begins and this will mean hundreds of thousands of people will be making their way to South African to watch the games and enjoy all the atmosphere that comes with a world cup.
If you are one of the lucky ones that could travel to South Africa, you will want to make sure you are covered by an insurance plan that provides you with security in case you get sick or injured. World Cup Insurance provides you with a short term travel health insurance plan that allows you to purchase the number of days you need, whether its 7 days or the full 30 days of the tournament and includes coverage for medical expenses, medical evacuation, repatriation, lost checked luggage, 24 live travel assistance and much more!
The plan starts at just $7 for 7 days and you can tailor the policy maximum and deductible options to suit your needs. For more information and to purchase your coverage online, please check out: http://www.worldcup-insurance.com/
Gender Gaps Found in Study Abroad Programs
March 11th, 2010 by International-Student-InsuranceDid you know that women are twice as likely to study abroad as men? After considering this statistic, it may be that more women are enrolled in colleges than men. Or perhaps there is another reason left unresolved.
Interestingly, a recent study from the University of Iowa tried to at least touch the surface surrounding this question. Why are more women studying abroad? In beginning to answer this question, we must first understand the influences causing someone to study in another country.
In the paper published by the University of Iowa, surveys were administered to students to find out why they wanted to study abroad. In reviewing the results, the study found that there were profound gender differences.
The study found that women were substantially more influenced by authority figures and educational factors while men were influenced more by personal values, experiences and peer influences. In fact, men who were more socially connected with their peers were less likely to study abroad; this was not the same for women. Another link was that men – and not women – who had yet to decide on a major were more likely to study abroad.
While this does not answer the question as to why this gender gap exists, it does begin to provide some insight into how men and women think which may later provide an explanation.
One interesting example of this is in Boston College where 52% of the student body is comprised of women. Moreover, Boston College found that a majority of males planned to study abroad when they first entered college. What do their statistics look like? When looking at the percentage of students studying abroad by gender, 65% are women and only 35% are male.
This raises an interesting question in the study abroad community. Not only is this effecting the overall international travel and study experience – but even larger gaps in the male to female ratio can be further effected by the destination or program. This has created a stir of discussion within the international education community on how to address this issue.
Study Abroad Depression
March 5th, 2010 by International-Student-InsuranceStudying abroad is a fun and exciting journey; however once you are abroad it may be much more difficult than you originally expected. Not only are you in a new environment, but you are also away from the familiarity of family and friends.
Understandably, it is not uncommon for some students to experience depression. According to WebMD, depression is when a person has five or more symptoms of depression for at least 2 weeks. These symptoms include:
* Persistent sadness, pessimism
* Feelings of guilt, worthlessness, helplessness or hopelessness
* Loss of interest or pleasure in usual activities, including sex
* Difficulty concentrating and complaints of poor memory
* Worsening of co-existing chronic disease, such as rheumatoid arthritis or diabetes
* Insomnia or oversleeping
* Weight gain or loss
* Fatigue, lack of energy
* Anxiety, agitation, irritability
* Thoughts of suicide or death
* Slow speech; slow movements
* Headache, stomachache, and digestive problems
To prevent depression, it is important to have a well-balanced diet, make time for exercise, and incorporate fun and relaxing activities into your new routine. While it may be tempting to try all of the restaurants nearby, it is more important to eat foods that are high in nutrients. Nutrients we all need include vitamins, minerals, carbohydrates, protein, and even a small amount of fat.
Not only is your diet critical, but so is exercise. Physical exercise improve yourself image and there is the added bonus — your body releases a chemical called endorphins. Endorphins trigger a positive feeling and diminish the perception of pain. This can be the opportunity to do a local team sport where you can meet new people with similar interests.
Some individuals have even used St. John’s Wart as an herbal remedy to treat mild forms of depression. St. John’s Wart is a wild yellow flower considered to be a weed throughout most of the United States. It has been used for medical purposes in other parts of the world. Before taking St. John’s Wart, you should consult a medical professional.
Travel Insurance for Parents
February 25th, 2010 by International-Student-InsuranceSo you’ve been an international student for some time now, living on your own in a foreign country. You’ve been skyping back and forth with your parents, dealing with the intermittent phone calls that are sometimes hard to coordinate with the time change. But this time they’ve announced that they are ready to come for a visit.
Whether your parents will be coming to visit for a week, month, or perhaps are planning to move into your dorm room, you will want to make sure that your parents are covered on their trip abroad. In many cases, international travel insurance may not come to your parent’s mind, as they are busy packing their bags with your favorite items – although unfortunately customs put a limit on some foods that will remain in the back of your mind – but on the top of your to-do list when you come home.
The Travel Medical plan is designed for individuals traveling outside their home country – including travel insurance for your parent’s journey to visit you overseas. The plan provides coverage for inpatient and outpatient services, prescription drugs, emergency medical evacuation, repatriation, doctor office visits, etc. By having your parents properly insured, this will provide them with the peace of mind that they can travel around with ease and comfort. This can be especially important in countries where the medical system may be just as foreign as the language. And the added plus – one less thing to worry about!
Mexico Trip Insurance
February 10th, 2010 by International-Student-InsuranceGoing abroad to Mexico is a unique opportunity – whether you will be learning Spanish, doing a study abroad trip, or vacationing. Although Mexico has public health care available to its citizens/permanent residence through the Instituto Mexicano de Seguro Social, these services are not available to visitors. Instead, you will need to seek treatment in private facilities with your own insurance plan. It is important to know that Mexico does not have any reciprocal health care agreements with other countries – meaning that you will need to have your own health insurance in place for the duration of your trip.
The Travel Medical plan is a trip insurance that will cover you while outside your home country, including in Mexico. The plan can be managed completely online allowing you to have full access to your trip insurance. The plan will cover you for hospitalization, doctor visits, prescription medication, emergency medical evacuation and repatriation. A convenient feature with this plan is that you’ll be able to choose the doctor or hospital of your choice as there is no network in Mexico.
By having suitable trip insurance in Mexico, you’ll be able to rest assured that you have adequate coverage as you venture through the ruins, stroll across the beach, or go shopping in a bodega. The Department of State states on their website that they “strongly urges Americans to consult with their medical insurance company prior to traveling abroad to confirm whether their policy applies overseas and whether it will cover emergency expenses such as a medical evacuation.”
Travelers Insurance for Haiti
February 5th, 2010 by International-Student-InsuranceAfter January’s earthquake, many volunteer groups have been traveling to Haiti to assist in disaster relief efforts. The earthquake measured a 7 on the Richter scale and caused extensive damage to the area surrounding the capital, Port Au Prince. If you plan on assisting with the relief in Haiti, it is important that you are properly insured.
First, you’ll want to check to see if your current insurance plan provides international coverage. If they do not, you may want to consider a travelers insurance.
Many travel plans will cover you outside your home country; however your plan may have additional restrictions if a travel warning is issued. In fact, some travelers insurance may reduce their benefits or restrict coverage all together if the US State Department issues a travel warning before you leave. On January 14, 2010, the US State Department issued a warning for Haiti urging citizens to avoid travel because of the damage.
What does this mean for you?
You will want to double-check to make sure that your travelers insurance will cover you on your trip to Haiti.
A well-suited option is the International Travel Medical Insurance – this travelers insurance will cover you outside your home country whether you plan to be in Haiti for 5 days or for 3 years. This plan provides the essential coverage you’ll need, including doctor visits, hospitalization, emergency medical evacuation and repatriation.
If you have questions about coverage, please contact our customer service representatives for further assistance.
Spring Break Trip Insurance
February 3rd, 2010 by International-Student-InsuranceIt’s almost that time of year again – it’s that one week off from school to kick back and relax. That is, kick back and relax in a foreign country!
Whether you plan to enjoy the sun in Cancun, Mexico or if you’ll be navigating your way through the web of trains in Europe, you’ll need to be prepared with a spring break trip insurance. Before boarding the plane, you’ll want to make sure that you have your paperwork in order, whether that is your insurance cards or your proof of insurance if required by your destination country.
The bonus? It is guaranteed to make your parents a bit more comfortable as you venture over the border.
Most spring break trip insurance plans can be purchased for a short period and will provide coverage outside your home country allowing you the flexibility of traveling to multiple destinations. By covering yourself, you will have the security of knowing that you’ll be covered in case of sickness or injury.
For the extreme adventurer, you’re going to want your plan to cover you no matter if you’ll be skiing or ski diving. Many spring break travel plans will allow you to add additional sports coverage as well.
Many students have found our Spring Break trip insurance plan, the Travel Medical plan, a comprehensive plan well suited for short trips. Not only can you purchase just 5 days of coverage- but you’ll be covered internationally outside your home country. This plan covers you for doctor visits, hospitalization, emergency medical evacuation, and repatriation. Many students have found this plan a perfect fit as it also has the optional sports rider in case you are planning an adventurous spring break!
Health Insurance for ESL Students
January 22nd, 2010 by International-Student-InsuranceLearning English has become an important skill in today’s globalized world. More and more students are realizing the advantage of learning English including its growing importance in business. What better way to learn a language then to actually go abroad and be immersed in the culture and language?
ESL programs are designed as an intensive English study where you will take classes by day and be immersed in a reinforcing environment by night. This access is a unique opportunity that provides you with the tools and practice needed to pick up the language.
If you will be traveling to a foreign country to study English, you will want to make sure that you are properly equipped with health insurance for ESL students. It is common for programs to offer varying program durations from one week of classes up to several months. The Travel Medical plan provides health insurance for ESL students and will cover you outside your home country.
You will also want a plan that provides you with the option to extend coverage should you decide to continue with your stay abroad. Another consideration is that your health insurance plan should also cover you even if you decide to travel. The Travel Medical plan will allow you to purchase a minimum of 5 days of coverage up to one year. This health insurance will cover you outside your home country for inpatient and outpatient services, prescription drugs, emergency medical evacuation, repatriation, doctor office visits, etc.. Not only that, but this health insurance for ESL students also meet all government and visa requirements.
