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Insurance students

Why do I need insurance as an international student in the U.S.?

Below you can find a real example experienced by a student of our U.S. partner insurance company after having an injury during his stay abroad and the cost he actually incurred because he had insurance and the cost he would have needed to incurred if he had not had insurance

WITH OUR ELITE INSURANCE PLAN
  • Deductible: $100Policy Maximum: $500,000Coinsurance: 0% after deductible
  • Total Medical Expenses
  • Negotiated PPO (Insurance Company) Discounts
  • Insurance Payments
  • Remaining Expenses ​(deductible & Co-Insurance)
  • Premium per year (or $154.7 per month)​
  • Total Member's Annual Responsibility

 
USD ($)
  • Deductible: $100Policy Maximum: $500,000Coinsurance: 0% after deductible

    N/A

  • Total Medical Expenses

    + $283,738

  • Negotiated PPO (Insurance Company) Discounts

    - $241,306

  • Insurance Payments

    - $42,432

  • Remaining Expenses ​(deductible & Co-Insurance)

    + $100

  • Premium per year (or $154.7 per month)​

    + $1,481

  • Total Member's Annual Responsibility

    + $1,581

WITHOUT OUR INSURANCE
  • Deductible: N/APolicy Maximum: N/ACoinsurance: N/A
  • 13 days inpatient hospitalization
  • Negotiated PPO (Insurance Company) Discounts
  • Insurance Payments
  • Remaining Expenses ​(deductible & Co-Insurance)
  • Premium per year
  • Total Student's Medical Expenses

 
USD ($)
  • Deductible: N/APolicy Maximum: N/ACoinsurance: N/A

    N/A

  • 13 days inpatient hospitalization

    + $283,739

  • Negotiated PPO (Insurance Company) Discounts

    - $0

  • Insurance Payments

    - $0

  • Remaining Expenses ​(deductible & Co-Insurance)

    - $0

  • Premium per year

    - $0

  • Total Student's Medical Expenses

    + $283,739

Do you still need more details?

​Student who had insurance only paid $1,981.

Student who did not have insurance should have paid $283,739 

With the insurance that we are offering you, this student paid 99.30% less than he would have paid without coverage!

Am I eligible for this insurance?

Well, you are eligible if you meet the following:

  1. You must be under age 65; and
    • A full-time student at a college or university (excluding online colleges and universities); or
    • Within 31 days of being a full-time student at a college or university; or
    • A student under age 19 enrolled in a secondary school; ord. A full time scholar affiliated with an educational institution and performing work or research for at least 30 hours per week; and
  2. You must be residing outside your home country for the purpose of pursuing international educational activities; and
  3. You must not have obtained residency status in your host country and
  4. if in the U.S., you must hold a valid education-related visa. A copy of the I-20 or DS-2019 may be requested.

What are the different types or plans of insurance that I can purchase?

Our Insurance company currently offers 4 types or plans of insurance to our international students. These are “Elite,” “Select,” “Budget,” and “Smart.” They cost differently and have different benefits. Note that most insurance company are priced similarly due to the high competition in the insurance industry.  In summary, please remember that the higher the premium / cost that you are willing to pay the more benefits you will enjoy and the lower your medical expenses will be in case something happens to you.

BENEFITS
  • Certificate Period Maximun
  • Maximun Benefit per Injuury or Illness
  • Deductible - Out of Network
  • Deductible - In Network
  • Deductible - Emergency Room
  • Coinsurance - Inside the U.S.
  • Coinsurance - Outside the U.S.
  • Accidental Death

  • Dental Treatment Due to Accident

  • Dental Treatment Due to Alleviate Pain

  • Emergency Medical Evacuation

  • Local Ambulance

  • Physical Therapy

  • College sports covered

  • Pre-existing condition coverage

  • Price

 

ELITE PLAN
  • Certificate Period Maximun

    $500,000

  • Maximun Benefit per Injuury or Illness

    $500,000

  • Deductible - Out of Network

    $50 per injury/illness

  • Deductible - In Network

    $25 per injury/illness

  • Deductible - Emergency Room

    $100 per injury/illness

  • Coinsurance - Inside the U.S.

    Insurance Company pays 100% of eligible expenses after deductible to the certificate period maximum

  • Coinsurance - Outside the U.S.

    Insurance Company pays 100% of eligible expenses after deductible to the certificate period maximum

  • Accidental Death

    Not subject to deductible or coinsurance. Principal Sum (lifetime maximum): $25.000;

  • Dental Treatment Due to Accident

    $250 maximum per tooth;
    $500 maximum per certificate period

  • Dental Treatment Due to Alleviate Pain

    $100 maximum per certificate period (nor subject to deductible or coinsurance)

  • Emergency Medical Evacuation

    $500,00 lifetime

  • Local Ambulance

    $750 per injury

  • Physical Therapy

    Maximum $75 per day

  • College sports covered

    Yes, $5,000 per injury

  • Pre-existing condition coverage

    Yes, after 6 months

  • Price

    There are many factors such as the covered period, your age, nationality, country of destination, etc. that influence the price you will pay. Please complete the online quote to know your exact price


SELECT PLAN
  • Certificate Period Maximun

    $300,000

  • Maximun Benefit per Injuury or Illness

    $300,000

  • Deductible - Out of Network

    $50 per injury/illness

  • Deductible - In Network

    $25 per injury/illness

  • Deductible - Emergency Room

    $100 per injury/illness

  • Coinsurance - Inside the U.S.

    Insurance Company pays 80% of $5,000 of eligible expenses after deductible , then 100% to the certificate period maximum

  • Coinsurance - Outside the U.S.

    Insurance Company pays 100% of eligible expenses after deductible to the certificate period maximum

  • Accidental Death

    Not subject to deductible or coinsurance. Principal Sum (lifetime maximum): $25.000;

  • Dental Treatment Due to Accident

    $250 maximum per tooth;
    $500 maximum per certificate period

  • Dental Treatment Due to Alleviate Pain

    $100 maximum per certificate period (nor subject to deductible or coinsurance)

  • Emergency Medical Evacuation

    $300,000 lifetime

  • Local Ambulance

    $750 per injury

  • Physical Therapy

    Maximum $50 per day

  • College sports covered

    Yes, $5,000 per injury

  • Pre-existing condition coverage

    Yes, after 6 months

  • Price

    There are many factors such as the covered period, your age, nationality, country of destination, etc. that influence the price you will pay. Please complete the online quote to know your exact price


BUDGET PLAN
  • Certificate Period Maximun

    $250,000

  • Maximun Benefit per Injuury or Illness

    $250,000

  • Deductible - Out of Network

    $90 per injury/illness

  • Deductible - In Network

    $45 per injury/illness

  • Deductible - Emergency Room

    $350 per injury/illness

  • Coinsurance - Inside the U.S.

    Insurance Company pays 80% of $25,000 of eligible expenses after deductible , then 100% to the certificate period maximum

  • Coinsurance - Outside the U.S.

    Insurance Company pays 100% of eligible expenses after deductible to the certificate period maximum

  • Accidental Death

    No coverage

  • Dental Treatment Due to Accident

    $250 maximum per tooth;
    $500 maximum per certificate period

  • Dental Treatment Due to Alleviate Pain

    $100 maximum per certificate period (nor subject to deductible or coinsurance)

  • Emergency Medical Evacuation

    $250.000 lifetime

  • Local Ambulance

    $500 per injury

  • Physical Therapy

    Maximum $50 per day

  • College sports covered

    Yes, $3,000 per injury

  • Pre-existing condition coverage

    Yes, after 12 months

  • Price

    There are many factors such as the covered period, your age, nationality, country of destination, etc. that influence the price you will pay. Please complete the online quote to know your exact price


SMART PLAN
  • Certificate Period Maximun

    $200,000

  • Maximun Benefit per Injuury or Illness

    $100,000

  • Deductible - Out of Network

    $100 per injury/illness

  • Deductible - In Network

    $50 per injury/illness

  • Deductible - Emergency Room

    $350 per injury/illness

  • Coinsurance - Inside the U.S.

    Insurance Company pays 80% all eligible expenses after deductible , then 100% to the certificate period maximum

  • Coinsurance - Outside the U.S.

    Insurance Company pays 100% of eligible expenses after deductible to the certificate period maximum

  • Accidental Death

    No coverage

  • Dental Treatment Due to Accident

    No coverage

  • Dental Treatment Due to Alleviate Pain

    No coverage

  • Emergency Medical Evacuation

    $50.000 lifetime

  • Local Ambulance

    $300 per injury

  • Physical Therapy

    Maximum $25 per day

  • College sports covered

    No coverage

  • Pre-existing condition coverage

    Only for acute onset of a pre-existing condition

  • Price

    There are many factors such as the covered period, your age, nationality, country of destination, etc. that influence the price you will pay. Please complete the online quote to know your exact price

Do you still need more details?

​Click here for a 23 pages report that will provide you with everything you need. Do you have any questions you would need a response before you make a decision?


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