International Trip Insurance
October 16th, 2009 by International-Student-InsurancePacking your bags is always an exciting beginning to your trip. Whether you are planning a rugged adventure action-packed with hiking, biking and camping or if you are planning to relax on a beach sampling the local cuisine, make sure that you leave fully prepared! While looking around for extra socks and fully updating your music selection, you may realize that some of the most important things won’t take up any space at all. International Trip Insurance is an important addition to any international trip. There is no telling what will happen in the future, and it is always important to leave home prepared.
The first step before leaving home is to check with your current plan to see if you are covered internationally. If so, you will want to find out whether your plan covers emergencies or if it will also cover you in case you get sick or injured. If not, you will want to look into appropriate international trip insurance. It is important to purchase your international trip insurance before leaving on your trip and also, make sure that it covers emergency medical evacuation, doctor office visits and hospitalization. You should also bring your policy information along for the ride for proof of insurance.
In addition to this basic coverage, there are also plans with additional benefits for your trip abroad. The International Travel Medical Insurance is an international trip insurance that will cover lost baggage, trip interruption, natural disaster benefit, and terrorism in addition to the medical coverage. The Trip Cancellation Insurance is also an international trip insurance that provides coverage for cancellation charges in addition to medical coverage. Whether you will be in Europe, Asia, the Americas, or Africa, international trip insurance is a must!
Insurance for International Students in the Netherlands
October 13th, 2009 by International-Student-InsuranceInternational students in the Netherlands are required to have international health insurance. The Netherlands require that international students have insurance that meets the Schengen visa requirements. Those requirements are as follows:
– The insurance company must have a representative office in Europe
– Medical evacuation/ repatriation coverage of at least US $37,500
– Insurance must be valid for the duration of stay in the Schengen countries
The Atlas Travel Series is an excellent solution for insurance for international students in the Netherlands. This plan provides coverage outside your home country for inpatient and outpatient services, prescription drugs, emergency medical evacuation, repatriation, doctor office visits, etc. This plan allows you to choose your maximum coverage limit (from $50,000 to $1,000,000) and your deductible (from $0 to $2,500).
The Atlas Travel Series meets all the visa requirements for insurance for international students in the Netherlands.
After you purchase this plan, you will immediately receive a confirmation e-mail. In this e-mail, it will contain your insurance card, letter of coverage, receipt, visa letter and policy details. You can simply print these documents out to show proof of coverage.
Incidental Home Country Coverage
October 9th, 2009 by International-Student-InsuranceDo you plan on traveling abroad? Are you looking for an international travel insurance plan that will also cover you when you return home? This is a dilemma many travelers face when they no longer have health insurance in their country of origin. In this case, it is important to know your travel insurance plan and the home country coverage that it offers.
If you will be abroad for an extended period of time and plan to return home for short trips, you will want to consider a plan that provides incidental home country coverage. To further explain, incidental home country coverage is a benefit included in some international travel insurance that covers short visits home when returning abroad. For example, the International Travel Medical Insurance is designed to cover you outside your home country. The plan does, however, provide 15 days of incidental home country coverage for trips back to your home country for every 3 months of coverage. Incidental Home Country Coverage does not allow you to return home for the purpose of obtaining treatment of an Illness or Injury, although it provides medical coverage if you plan to be home for a visit. For more detailed information about the home country coverage included with Atlas Travel Medical plan, visit our Home Country Coverage FAQ.
If you plan on returning home frequently or for longer periods of time, you may want to consider a plan that offers more home country coverage. The international major medical insurance provides worldwide coverage, including significant coverage in your home country. This will allow you to travel back-and-forth with ease and peace of mind. The international major medical insurance covers non-US citizens in their home country for up to 12 months each year. For US citizens, the plan will provide coverage in the US 6 months out of the year.
International Major Medical Insurance
October 9th, 2009 by International-Student-InsuranceYou should consider an international major medical insurance plan when traveling or living outside your home country. These plans can protect you from high medical costs if the unexpected happens like an illness, accident or injury. International major medical plans usually come with much more comprehensive benefits like, maternity, mental health, wellness and optional dental and life.
The Citizen Secure plan is an excellent option for those in need of an international major medical insurance plan. The Citizens Secure plan provides comprehensive international major medical insurance coverage around the world for expatriates and anyone who needs international health insurance. The plan provides a high $5,000,000 policy maximum and various deductible options plus the option to have worldwide coverage, and worldwide coverage excluding the USA and Canada.
The importance of health insurance for international students
September 21st, 2009 by International-Student-InsuranceHealth insurance is not only a smart idea for international students to have but it can protect you from financial burden if an unexpected illness/injury should happen. Most students are young and healthy and will rarely have medical issues. However, it’s a smart idea to have a comprehensive medical plan in place to protect you.
The Student Secure plan is a very comprehensive and affordable student health plan for international students both, inside and outside the US. Student Secure comes in two levels, budget and select. The plan provides comprehensive inpatient and outpatient medical coverage up to $250,000 (budget) or $300,000 (select).
The plan also includes maternity, mental health, prescription drugs, sports coverage, emergency medical evacuation, repatriation, doctor office visits, etc. You have the option to pay for it all at once or on a monthly basis.
After you purchase this plan, you will immediately receive a confirmation e-mail. In this e-mail, it will contain your insurance card, letter of coverage, receipt and policy details.
How Can I Meet My Schools Insurance Requirements in the USA?
July 27th, 2009 by International-Student-InsuranceThis is a question that we are continually being asked, and especially as we head into August – its something we hear more and more often. For schools in the USA, they will require all students to obtain or purchase some form of coverage before they will let you enroll in classes – and you will run into a few scenarios:
- Schools will require you to enroll in their health plan – you have no choice and no right to waive out
- Schools will strongly suggest you to enroll in their plan – but you can waive out if you show proof of other, comparable coverage.
- Schools will let you choose and purchase your own insurance plan (either with, or without coverage guidelines)
In the first scenario – you will have no choice but to accept the schools insurance plan and pay for it. This is becoming more popular for schools to handle their insurance this way as the schools can regulate the coverage and will know what all their students are covered for.
The second and third scenario are also very common, but it has become increasingly complex for students to try and find coverage as many schools will require the insurance to meet certain guidelines and levels. Schools will also use what they call “Insurance Waiver Forms” which are documents that need to be completed by students who do not wish to purchase the schools insurance plan. It will contain your details, the details about the plan you have purchased and must be signed by your insurance company to show that the plan you have purchased meets their requirements.
Of course, this system can seem daunting and complex to many international students. So, to assist students, we have created the International Student School Insurance Requirement Database – which lists nearly every school in the USA and what their requirements are. You can quickly learn if our plans will meet your schools requirements, and in most cases we offer a link to your schools insurance section and to your insurance waiver form along with instructions on how to complete and submit the waiver form.
If you have any questions or need assistance finding an international student insurance plan, then let us know!
Danish International Student Health Insurance Requirements
July 14th, 2009 by International-Student-InsuranceDenmark has become a popular international study destination for students from European countries including the United Kingdom, Norway, Germany…… and now from Asia, with a large number of Chinese students. Denmark is a popular destination for students to study for a number of reasons, including modern teaching styles, English familiarity and high academic standards.
One additional reason Denmark is popular with international students – free health insurance!
Well, almost free – as an international student in Denmark, if you get a residence permit and register with the municipal registration office upon your arrival, you will be covered by the Danish national health care within approximately 6-8 weeks.
Therefore, it is advisable to purchase a travel medical health insurance policy for at least the first 8 weeks of your stay, when you will not yet be covered by Danish national health insurance. In addition, you may want to consider purchasing a private plan for the duration of your stay which could provide coverage such as emergency evacuation and repatriation coverage, to cover you on the trip to and from Denmark and any other trips, and for the additional protections a private plan provides.
If you are considering purchasing a travel health insurance plan, or a private insurance plan to cover you in Denmark or abroad, we can offer a range of plans to suit all needs. Please do not hesitate to contact our support team who will be more than happy to assist you.
Emergency Numbers When Abroad
July 7th, 2009 by International-Student-InsuranceAfter recently talking with a client about accessing emergency services around the globe, and also running into this excellent article by Matador Abroad concerning all the ways to access emergency services around the world – we thought it would be a great idea to post this to our blog to support our customers around the globe. Not many people know or realize that simply dialing 911 or 999 wherever you are in the world will get you emergency help – the range of different numbers varies so greatly, that you would need to be a genius to remember all the different combinations.
Of course, remembering the emergency service number for the countries you are traveling to is something that is highly recommended, but if you are visiting numerous countries the list can be quite long. Help, however, is at hand if you are taking your mobile phone with you. GSM networks (which cover most of the mobile phone networks in the world) will automatically route your call if you dial 112 to the nearest emergency service center in that country. As Matador explain “Maybe the most useful thing to have in any country during an emergency is a mobile telephone. The GSM network uses 112 as a world-wide emergency number. When 112 is dialed from a GSM phone, the network will automatically redirect you to the local emergency dispatch, if it’s available.”
If you do not have your mobile phone handy to dial 112, some selected countries are listed below:
* indicates number for Medical service only – do NOT press * when dialling.
North America:
USA and Canada – 911
Mexico – 066, 060, or 080 (some areas direct 911 to local services)
Asia:
China – 999 in most large cities. Elsewhere, 120*
Hong Kong – 999
India – 102
Indonesia – 118/119*. Search and Rescue – 115. Natural disaster – 129
Iran – 110 (112 from mobile)
Israel – 101* (112 from mobile)
Japan and Korea – 119*
Malaysia – 999
Mongolia – 103
Philippines – 117 (112 and 911 redirect to 117)
Saudi Arabia – 997*. Rescue emergency – 911, 112, or 08
Singapore – 995
Thailand – 1669*. “Tourist” police (English speaking) – 1155
UAE – 998* or 999*
Vietnam – 115*
Africa:
Egypt – 123*. Tourist police – 126
Ghana – 999
Morocco – 15*
Nigeria – 199
South Africa – 10177*. Police and Fire – 10111 (112 from mobile)
Zambia – 991* (112 from mobile)
Zimbabwe – 999
Europe:
United Kingdom – 999 or 112
European Union and many other European nations – 112
Oceania:
Australia – 000
New Zealand – 111
Fiji – 911
Vanuatu – 112
Central America and Caribbean:
Guatemala – 120*
Barbados – 511*
Jamaica – 110*
Nicaragua – 118*
Honduras – 199*
South America:
Argentina – 107* (911 will work in certain areas as emergency dispatch)
Bolivia – 118*
Brazil – 192*
Chile – 131*
Colombia – 112 or 123
Paraguay and Uruguay – 911
Suriname – 115
Venezuela – 171
Be sure to check out the full listing of emergency numbers which can be found on Wikipedia, and also the excellent article by Matador Abroad.
Swedish Student Visa Insurance Requirements
June 25th, 2009 by International-Student-InsuranceSweden is a popular destination for international students – last year over 25,000 international students studied in Sweden. High-quality English language instruction, a high standard of living, and free tuition have all contributed to Sweden’s popularity with foreign students. Although Sweden has announced plans to begin charging tuition fees to non-EU students no later than January 1, 2010, Sweden is likely to remain a popular destination.
One item that all foreign students in Sweden must address is health insurance – in Sweden, medical care is very expensive if you do not have health insurance. Here are the Swedish health insurance requirements for different categories of international students:
Non-EU/EEA Students Staying Less Than 3 Months
International students or travelers in Sweden staying less than 3 months will not need a residence permit and will not qualify for public health benefits. Therefore students and visitors should purchase travel health insurance that meets all Schengen Visa insurance requirements (as Sweden is a Schengen country). For these travelers and students, the Atlas Travel Plan is the best insurance solution and will offer travel health benefits such as hospitalization, doctors visits, evacuation, repatriation and much more….
Non-EU Students Staying More Than 3 Months and Less Than One Year
Students planning to stay in Sweden for more than 3 months but less than one year must apply for a residence permit before they arrive; however, they will not be eligible for Sweden’s public health insurance benefits. In this case, a student should purchase comprehensive international travel medical insurance or international student health insurance that meets Sweden’s requirements. In both these cases, the Atlas Travel Medical plan and Student Secure plan would be ideal and can be purchased from 5 days up to 12 months (depending on the plan choice) and will provide a range of travel and student health benefits.
Non-EU/EEA Students Staying More Than a Year
Students staying in Sweden for more than a year must apply for a residence permit before arriving, and they are entitled to Sweden’s public health benefits. Immediately upon arrival in Sweden, you should apply for civil registration at your local tax office. Upon application, you will be eligible for public health benefits even while waiting for your registration to be complete. However, your travel to and from Sweden would not be covered, and the time you spend in Sweden before applying for registration would also not be covered. To fill those gaps, and for the comfort of having additional coverage anywhere you may travel to while studying in Sweden, many students purchase a supplemental travel medical insurance policy. In this case, the Atlas Travel Series would be the best plan.
Students from Nordic and EU/EEA countries
As a student from a Nordic or EU/EEA country, you must register beforehand at a social insurance office in your home country and obtain a European health insurance card, or a FormE128 or E111. When seeking medical care in Sweden, you simply need to bring that card or form with you.
Students from Nordic or EU/EEA countries that do not register with their social insurance office in their home country will need to purchase health insurance, just as non-EU/EEA students do.
To learn more about our plans for students and travelers visiting or studying in Sweden please see:
– Atlas International Travel Medical Insurance
– Student Secure International Student Health Insurance
Student Secure
June 22nd, 2009 by International-Student-InsuranceAre you planning to study in the USA, or anywhere else in the world? Then most likely you will be looking for a health insurance plan that provides coverage your school and government agencies (for visa applications) will accept? Then look no further as International Student Insurance provides you with the Student Secure plan, designed specifically for students who are studying around the world, outside of their home country.
The Student Secure offers two plan options, the Student Secure Select and Student Secure Budget – both offering the same great benefits, however the budget (as the name suggests) offers slightly lower coverage amounts and greater out of pocket expenses when you seek any medical treatment.
The plan provides comprehensive benefits but also provides you with peace of mind so that you know you will have a good plan just in case something happens! Benefits covered include:
- High Medical Coverage
- Prescription Medication
- Maternity Coverage
- Mental Health Coverage
- Sports Coverage
- Terrorism Coverage
- and much more……
If your school has a strict insurance requirement that your international student health insurance plan have a waiting period of no more than 6 months for pre-existing conditions – please visit our Student Secure 6 Month plan which is designed for you!
To learn more about the Student Secure plan, please visit:
http://www.internationalstudentinsurance.com/student-health-insurance/
You can also compare our student insurance plans online if you need help deciding which plan to choose.
