international student insurance

Archive for the ‘Health & Safety’ Category

Study Abroad Depression

Friday, March 5th, 2010

Studying 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.

 

H1N1 not as severe as first thought

Friday, December 11th, 2009

The latest information released this week shows that the H1N1 (swine flu) virus is not expected to be as severe as first thought. Many experts were predicting that the start of the northern hemisphere winter period was going to trigger the start the pandemic of the H1N1 flu virus, but latest figures are showing that new cases have been dropping off rapidly from a surge in early November. As Web MD quotes “When the fall/winter wave of H1N1 swine flu is over, it will have been no more severe than an average flu season, predict Harvard researcher Marc Lipsitch, DPhil, and colleagues from the U.K. Medical Research Council and the CDC.”

This positive news is also not a reason for complacency, and people should still do all they can to prevent the spread of the H1N1 virus, as with all other flu viruses. This includes following things like:

  • Avoid Close Contact with Sick People
  • Stay at home if you are sick to avoid spreading the virus
  • Cover your mouth and nose when sneezing or coughing
  • Clean your hands regularly to avoid germs spreading

As an international student or traveler in the USA or anywhere in the world, you also need to make sure you have an appropriate and adequate health and travel insurance plan to cover you in the event that you fall sick with the H1N1 virus. Most insurance policies already provide coverage for things like the standard seasonal flu, and variation of it such as the H1N1 virus – however it is always advisable to contact your insurance broker or company before you travel to confirm this.

If you are looking for coverage, we offer a range of international student health insurance and travel medical insurance plans that all provide full coverage if you contract the H1N1 virus.

 

International Major Medical Insurance

Friday, October 9th, 2009

You 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.

 

Emergency Numbers When Abroad

Tuesday, July 7th, 2009

After 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.

 

Health and Travel Insurance for Swine Flu

Wednesday, April 29th, 2009

In recent news, the Swine Flu is spreading worldwide with primary symptoms including fever, coughing, chest discomfort, headaches, and body pains. In more serious cases, infection has led to death. The World Health Organization has also confirmed that this respiratory virus in humans has been officially reported in several countries including Mexico, Peru, Switzerland, Germany, Austria, Canada, New Zealand, Britain, Israel, Spain, and the United States.

According to the Center for Disease and Control, officials recommend that travelers check to see if their health insurance plan covers Swine Flu and to make sure that the plan offers medical evacuation.

All of the international health insurance plans on International Student Insurance provide coverage in case you are infected with the Swine Flu during your trip. If you plan on traveling abroad, the Atlas Travel Series will cover you internationally outside your home country. This plan is a travel and health insurance that will provide coverage if you get Swine Flu during your dates of coverage. The plan will also provide emergency air and/or ground transportation to the nearest hospital qualified to provide the necessary treatment. To learn more about the Atlas plan, please click here.

In addition to the Atlas Series, the Citizen Secure plan is available for those looking for a long-term plan. The Citizen Secure is an annually renewable plan that is a health insurance plan that includes coverage if you are infected with the Swine Flu. This plan also offers emergency medical evacuation including air and/or ground transportation. To learn more about the Citizen Secure plan, please click here.

 

Health Insurance Carrier Ratings

Friday, December 12th, 2008

What are insurance ratings and why are they important to me?

Nothing is more important to a policyholder than the financial strength of their insurance company. You should always make sure that the plan you purchase is underwritten by a carrier with a great rating. By doing this, you can feel confident that your eligible claims will be paid. In fact, this is even a requirement to obtain most visas, including the J-1 visa.

Some of the world’s largest insurance carriers, such as Lloyds of London and IHI, provide clients with peace of mind knowing that they have a stable and secure carrier behind them. The Atlas Travel and Student Secure plans are underwritten by Lloyds of London. Lloyd’s of London is the largest and oldest insurance market in the world, with 317 years of experience insuring individuals and corporations internationally. Rated A (Excellent) by AM Best Company, and A (Strong) by Standard and Poor’s.

One plan that is insured by Lloyd’s of London is the Citizen Secure plan. This plan is a comprehensive annually renewable plan. It provides up to $5,000,000 worth of coverage and includes coverage for doctor office visits, prescription drugs, maternity, surgery, hospitalizations, diagnostic testing, lab work, emergency medical evacuation, repatriation, etc. You have various deductible options: $250, $500, $1,000, $2,500 or $5,000 that you can choose. This plan comes in two levels, Citizen Secure and Citizen Secure Economy. The main difference between the two plans is that the Citizen Economy plan has capped benefits (this means each benefit has a certain limit it pays up to). This plan will cover you all over the world and you can chose to include or exclude the US and Canada in coverage