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Archive for the ‘Product Information’ Category
Wednesday, May 2nd, 2012
As of May 1st 2012, any new Atlas Travel Medical plan purchased now offers even more coverage than before. Whether you are studying, working or traveling abroad, this plan has been enhanced to offer even more benefits for anyone needing short term medical coverage. Here are the highlighted benefits added to the Atlas Travel Medical Plan this year:
- Adventurous and hazardous sport coverage is now automatically included (at no additional cost to you!)
The Atlas Travel plan now automatically covers adventurous and hazardous sports as a standard benefit on the plan. At no additional cost, this plan will now cover you if you decide to go snorkeling, skiing, white water rafting, etc.
Many travel insurance plans will charge you to include sports coverage – and many plans require that you include this when you purchase the policy (and cannot be added later). We understand that many travelers are unaware of their activities prior to their trip – and shouldn’t your plan keep up with you? No need to worry, the Atlas Travel is now designed with even more complete coverage so that you can participate in these activities and know that you’ll be covered.
The Atlas Travel plan continues to provide you with the flexibility to purchase only the days of coverage you need from 5 days up to 364 days. Don’t waste money on plans that require you to purchase more than you need. If your plans change, you also have the ability to extend coverage right online.
- Increased coverage for an acute onset of a pre-existing condition
If you have a well maintained pre-existing condition, but are looking for coverage in case a sudden and unexpected outbreak or recurrence to your condition occurs, look no farther than the Atlas Travel plan. Now, the Atlas Travel plan will provide $20,000 in coverage for an acute onset of a pre-existing condition.
- Dental Pain coverage increased to $250
While the Atlas Travel plan is designed to be a medical health plan, we understand that your dental care is important and dental emergencies do happen. Newly purchased plans now have an acute onset of a dental pain up to $250.
As always, the Atlas Travel Medical Plan will still provide excellent coverage for anyone outside of their home country in case of a sickness or injury including:
- Medical Expenses/Doctor visits
- Hospitalization
- Prescription Medications
- Emergency Evacuation
- Repatriation
- And more…
If you have any questions about this plan or if would like more information about other plans, please feel free to contact us.
Tags: atlas travel insurance, Travel Insurance, Updates to the Atlas Travel Medical Plan
Posted in Product Information, Study Abroad, Travel Insurance | No Comments »
Friday, April 6th, 2012
Finding international student health insurance can be a daunting task for many students. Between meeting school requirements and understanding all of the terms, things can get confusing. One term that often raises questions is the benefit period.
Many students assume that the benefit period refers to the entire effective period of a plan. In actuality, the benefit period can be thought of as extra time provided at the termination of the plan for a specific condition that was diagnosed or treated while the plan was still in effect. Each plan will vary with the specific terms and length of time attached to this benefit.
For example, the Student Secure plan has a benefit period of 60 days. If a covered individual is hospitalized as an inpatient for an eligible expense on their termination date, that condition would be covered for the next 60 days.
The benefit period for the Atlas Travel plan is slightly different in that an eligible condition that was diagnosed or treated while the plan was in effect, will be covered for 180 days under the benefit period after the plan is no longer in effect. The 180 days begins the first day of diagnosis or treatment for that eligible condition.
Depending on the type of plan you purchase, this benefit could vary greatly from the examples provided above. It is important to research the benefits of your prospective plan before you commit to your purchase.
Despite the difference in the benefit period between the Atlas Travel plan and the Student Secure plan, both of them work well for individuals looking for international student health insurance.
If you would like more information on the Student Secure plan or Atlas Travel plan feel free to contact one of our licensed agents today. They can assist you with any questions you might have, including those regarding the benefit period.
Tags: Benefit Period
Posted in Insurance Explained, Product Information | No Comments »
Saturday, February 11th, 2012
Since it was founded in 1956, the University of South Florida has grown and become one of the largest public universities in the US with well over 45,000 students enrolled. Today, the university has more than 1,400 international students and 200 research scholars from over 150 countries around the world.
The University of South Florida, also known as USF, is located in Tampa. As one of Florida’s major metropolitan cities, Tampa has a lot to offer including many crystal clear beaches, world class museums, and even two major amusement parks. USF gives international students a great city to call home during their study in the US.
As with many major universities, international students are required to have health insurance while they are studying at University of South Florida. Every semester, international students consider the choices for their student health insurance for University of South Florida. International students have the choice of enrolling in the insurance plan that the university offers or purchasing their own health insurance plan that meets all the requirements listed on the university’s student health insurance compliance form.
International Student Insurance has a plan that is designed to provide coverage that meets the requirements for University of South Florida called the Student Secure 6 Month Pre-ex Plan. This student health insurance for University of South Florida provides comprehensive coverage for sicknesses and injuries including doctor visits, hospitalization, prescription medication, sports coverage, mental health, and pre-existing condition coverage (after a 6 month waiting period). This is a great choice for international students because it provides great coverage at a much more affordable price compared to the university’s plan. Here’s a comparison of the cost for USF’s insurance plan to the Student Secure 6 Month Pre-ex Plan for 19-24 year old students:
USF Insurance plan cost – $1,806 per year
Student Secure plan cost – $1,188 per year
Total Saving- $618 per year “Apply Now”
If you choose to purchase this plan as your student health insurance for University of South Florida and wish to not be charged for your school’s insurance plan, you will need to complete the USF student health insurance compliance form. After you have purchased our plan, you can simply email or fax us your school’s insurance waiver form. Make sure that you have completed the student section, and we’ll complete the insurance section and fax it to your school. There is often a deadline to complete this process in the beginning of the semester, so be sure to complete this in advance! Otherwise, you might get stuck buying the school’s expensive plan for another semester! If you have any questions, feel free to contact our International Student Insurance agents.
Tags: international student insurance, Student Health Insurance for University of South Florida, USF, USF insurance
Posted in Health & Safety, International Student in the USA, Product Information, Student Health Insurance, Student Insurance | No Comments »
Thursday, January 26th, 2012
It’s the New Year’s and you have discovered that you can purchase our more affordable insurance plan instead of your university’s plan. As an international student, you may wonder to yourself, “how do I find a doctor in the US?” or “can I visit any doctor I want to?”
Whether you have purchased our Student Secure plan, Atlas plan or Citizen Secure plan, you can find a doctor in the US very easily. All three plans are what are referred to as a preferred provider organization, or PPO. PPO is an optional network with contracted doctors or hospitals that you can go to. While this network is not required, these doctors and hospitals usually have discounted rates and have agreed to accept direct payment from the insurance company (this means that the insurance company pays covered expenses directly to your doctor or hospital, instead of paying first and being reimbursed).
If you choose the Student Secure Select level, the Atlas Plan or the Citizen Secure. By choosing a provider that is inside the network, you will receive 100% coverage for eligible expenses after you have met any deductible (up to your policy maximum). Coverage may change if you are outside the network so be sure to check the benefits on your plan as this is common in PPO networks.
Whether you go to a doctor or hospital in or out of the network, simply show your insurance ID card to the doctor office. Your doctor can then call the phone number located on your insurance ID card to arrange direct payment.
With any of these plans, you can simply use our online provider search tool to find a doctor or hospital anywhere around the US. We have multiple plans available to fit your needs; if you need help choosing the right plan contact our insurance agents to assist.
Tags: Find a doctor in the US, find a hospital, finding a doctor
Posted in Health & Safety, Insurance Explained, International Student in the USA, Product Information, Student Health Insurance, Student Insurance | 1 Comment »
Sunday, January 22nd, 2012
Having an international student health insurance plan allows students to feel secure that in the event of an emergency medical situation, they will not be stuck with hefty bills. Although student health insurance plans are great for providing a sense of peace, they are also often required when obtaining a visa and enrolling in classes.
As an international student, moments will arise when you will be faced with the task of retrieving your health insurance documents to prove you have adequate coverage. To ensure that students who have purchased the Student Secure plan are provided with the documents they need at the highest level of convenience, they have access to the Student Zone. Students are able to print their necessary documents from the Student Zone as needed.
Health Insurance Document Breakdown:
The visa letter/confirmation of coverage: This document is often used when students need to show proof of coverage to obtain a visa. The confirmation of coverage includes key information like home country, country of assignment, benefit amounts and length of coverage.
The policy fulfillment: This is your receipt from when you originally purchased your plan. It contains our contact information as well as the breakdown of your important plan information.
The extension endorsement: When you extend your coverage, this document will be your receipt. It includes your certificate ID number, the amount paid and the number of months the plan was extended to.
The ID card: Your ID card is important to have on hand if you seek medical treatment. Although possession of this card does not guarantee all treatment will be covered, it does have information that providers might need to ensure your eligible expenses are covered.
When you are on a strict deadline to provide proof of your health insurance coverage, rest assured that you are able to gather your documents in minutes, not days.
Tags: health insurance, Health Insurance Documents
Posted in Product Information | No Comments »
Saturday, December 17th, 2011
It’s winter and the school semester is almost over! During this winter break if you are not returning home, why not take a trip abroad and experience the season in another country?
Whether you are going to the famous Christmas Market in Germany, going skiing in the Swiss Alps or flying to the other side of the world to escape the cold, it is best if you are prepare for your trip with winter break trip travel insurance.
Many students looking for travel insurance for winter break will find that our Atlas Travel Medical plan provides comprehensive medical sickness and injury coverage for an affordable price whether it is a few days or a few weeks. Because it can be purchase for as little as 5 days and can provide coverage worldwide outside of your home country it is very flexible and will fit the need for most trips. This plan covers you for doctor visits, hospitalization, emergency medical evacuation, repatriation, and much more.
If you will be participating in more adventurous sports on your trip such as skiing, you can also add the optional sport rider to the plan to cover those activities as well!
You can get your insurance documents and ID card right away, so if you need proof of insurance quickly you will be able to provide it if it is required by the local authority of the destination country.
If you are worried about inclement weather disrupting your trips and causing your flight to be canceled, be sure to check our previous blogs about how to avoid stress while traveling during the holiday season.
Feel free to contact any of our licensed insurance agent if you have any questions about your insurance needs for an upcoming trip and we would be happy to help you!
Tags: cancellation insurance, Travel Insurance, Trip Insurance, vacation insurance, winter break trip insurance, winter holiday insurance, winter travel
Posted in Health & Safety, International Student in the USA, Product Information, Student Health Insurance, Student Insurance, Travel Insurance | No Comments »
Wednesday, December 14th, 2011
Every year, international students flock to Florida International University (FIU) to begin their studies in the United States. FIU has the second highest number of foreign students in the state of Florida with 2,677 students, a 4% increase over last year’s figures. And, who can blame them? Located in Miami, Florida International University hosts a variety of activities for international students both on and off campus. As we enter the new academic semester, many international students are evaluating their student health insurance for Florida International University.
FIU has an existing health insurance plan that students can enroll in or, alternatively, they can choose to purchase their international student insurance plan as long as it meets their stated requirements on their compliance form.
International Student Insurance offers the Student Secure 6-month Pre-Ex plan that will meet the requirements of FIU. This student health insurance for Florida International University offers comprehensive coverage including doctor visits, hospitalization, prescription medication, sports coverage, mental health, and pre-existing condition coverage (after a 6 month waiting period). Not only is the plan comprehensive, but it is also more affordable – take a look at the cost of the FIU insurance plan compared with the Student Secure plan for a 19 to 24 year old student:
| FIU Insurance Plan |
Student Secure Plan |
| $1,905 per year |
$1,188 per year |
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That is a saving of over $717 per year!! Apply Now!
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If you choose the Student Secure plan as your student health insurance for Florida International University, you will need to complete their compliance form to remove any hold to register for classes. To do this, once you have purchased the plan, you can email or fax your compliance form to us. Make sure that you have completed the student section, and we’ll complete the insurance section and fax it to your school. We can typically get this processed in less than one business day! Contact our insurance agents if you have any questions. Good luck Panthers!
Tags: International student insurance for FIU, Student Health Insurance for Florida International University
Posted in International Student in the USA, Product Information, Student Health Insurance, Student Insurance | 1 Comment »
Friday, November 18th, 2011
Let’s say you are planning to study abroad in the near future and you paid your tour cost, your plane ticket, etc. What would happen if you no longer can go on your trip? What would happen to your money for your plan/ train ticket that you already paid for?
This is where trip cancellation comes in! Trip cancellation is designed to cover your prepaid non-refundable losses in case you have to cancel your trip. While every trip cancellation plan is different, many trip cancellation policies cover cancellation due to sickness and injury, death of primary insured or immediate family members, bad weather, travel provider going out of business, etc. Trip cancellation protects you against losing your non-refundable expenses that you paid for if you have to cancel your trip. While trip cancellation benefits usually disclose a list of reasons for canceling, some plans allow you to include the cancel for any reason benefit so that you can cancel for an unlisted reason.
Trip interruption is similar to trip cancellation but it provides protection once you have already begun your travel. If you need to return home due to substantial destruction to your home, or an immediate family member’s death, trip interruption benefit will reimburse you – or it may also cover your plane flight home.
If you want to protect yourself against losing money on your traveling expenses, consider our trip cancellation insurance plan. Our trip cancellation also provides other benefits like trip interruption, trip delay, lost baggage and more. If you have any questions about trip cancellation insurance or other insurance needs, feel free to contact our international insurance specialist.
Tags: cancellation insurance, flight cancellation insurance, Travel Insurance, trip cancellation insurance, trip interruption insurance
Posted in Insurance Explained, Product Information, Study Abroad, Travel Insurance | No Comments »
Wednesday, September 14th, 2011
International Student Insurance brings you interesting, useful and relevant information with our blog, Facebook and Twitter pages. We are always looking for new ways to provide more useful information to our community – and we’ve just done it again!
The number of international students studying abroad has been increasing year after year. A large number of these international students are from China. In the most recent Open Doors Report 2010, statistics show that the total number of international students increased by 3%. Of this total number, the report found that “this year’s growth was primarily driven by a 30% increase in Chinese student enrollment in the United States to a total of nearly 128,000 students.”
Because of this explosive growth, we have been targeting information relevant to international students from China. We are excited to announce that our International Student Insurance plan information, for example, is now available in Mandarin Chinese! You can now read more about both of our Student Health and Travel Medical Insurance plans in your native tongue.
That’s not all! We’ve just launched our International Student Insurance Chinese blog where international students can comment and read about the latest changes affecting Chinese students studying overseas. We’ve even translated our relevant blog posts to help students in their native language understand pertinent information!
Tags: Chinese Blog, Chinese Student, Chinese Student Insurance, International insurance for Chinese Students, Student from China
Posted in Country Requirements, Insurance Explained, International Student in the USA, Product Information, Student Health Insurance, Student Insurance, Study Abroad | No Comments »
Wednesday, August 17th, 2011
The third issue of the International Student Insurance Newsletter has just been sent out to our subscribers, packed full of information, advice, help and services to international students and study abroad students who are traveling abroad with our plans. This issue features:
- Launch of our iPhone App
- Waiving out of your schools insurance plan
- Best Practices for seeking treatment
- Study in the USA iPhone App
- and much more….
If you have purchased one of our insurance plans, you will have received the newsletter – if you have not received the newsletter, then purchase one of our plans! or you can read the version online at:
Tags: insurance newsletter, international student insurance newsletter, student insurance newsletter
Posted in Health & Safety, Insurance Explained, Product Information | No Comments »
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