Welcome to the International Student Insurance Blog, providing you with news and information about international student insurance, international travel help and advice and much more!
As the school season begins you will want to make sure that you are adequately covered in case the unexpected happens. International student health insurance is important to have in place in the event that you need to seek treatment at the doctor or hospital. In many countries, the health system may be structured differently than what you are accustomed to – whether it be nationalized health care or higher medical expenses. It is important to ask questions to determine if you will need a plan to fill in gaps and to provide you with additional health coverage.
There are many factors to consider when choosing the right plan:
Do you want an emergency-only plan or one that will also cover you in the case you have a cold?
Will you be playing sports? If so, will this be covered under your policy?
Are you looking for a plan that will include routine visits, maternity, pre-existing conditions or mental health?
Does your school provide insurance or do they have any requirements for an individual private plan?
Once you have determined the type of plan you are looking for, you will want to know more about how your plan works. We recommend asking questions including:
What are my out-of-pocket expenses?
How are claims paid?
Is there a network of doctors or hospitals? If so, are they close to you?
If there is a network, can you also go to an out-of-network provider?
Who is the insurance company and what is their insurance rating?
Many international students find the Student Secure plan a well-suited plan. Not only is there 24 hour service in the event that you need medical referrals or translation services, but the plan is designed to cover you for doctor visits, hospitalization, emergency medical evacuation and repatriation. The plan is offered in three levels: the Smart, Budget, and Select. These options have been designed to find the best option for you and your needs. Many of these options include maternity, pre-existing conditions, sports coverage, and mental health.
If you have any questions about your international student insurance for the upcoming school year, our licensed agents are standing by to assist you throughout the process.
International Student Insurance is proud to introduce the third level of the Student Secure – the Student Secure Smart plan. This plan was designed with the international student in mind, particularly for those looking for an economical medical insurance. The Student Secure Smart features the following:
$200,000 maximum coverage
Hospitalization and doctor visits
Repatriation
Prescription medication
Emergency medical evacuation
This plan will cover you internationally outside your home country for as low as $28 for one month! To view the details about our student health plan, you can view the details of the plan right online or contact our representatives for further information.
Si usted es un estudiante internacional planeando a estudiar en otro país, es importante a saber sobre su sistema de salud. Por ejemplo, el sistema de salud en los Estados Unidos es privada y puede ser muy caro si no tenga un seguro medico. Para darse un ejemplo, una visita al hospital puede costar $2,500 y este no incluye la ambulancia, medicinas, etc.! Para prevenir este costo, nos recomienda un seguro medico internacional.
El plan Student Secure es nuestro seguro de salud para estudiantes internacionales. Este plan viene en dos niveles: selecto y económico. El plan provee la cobertura de una póliza integral de seguro médico con una cobertura máxima de $250,000 (económico) o $300,000 (selecto). El Student Secure cubre un estudiante fuera de su pais de origen y incluye maternidad, trastornos mentales, medicamentos recetados, actividades deportivas organizadas, evacuación médica a caso de emergencia, repatriación de restos, cargos incurridos por médicos y más.
Para ver más información sobre el plan, puede ver los detalles aquí o hablar con un representante.
As the school season approaches, it is that time of year where you are beginning to receive information about your school’s insurance plan. Every school has their own insurance requirements and it may be difficult to stay up to date with this information. To help you, we have developed a school requirement resource that will provide easy navigation to find the specifics about your school.
We have recently updated this information for the upcoming year and we are constantly updating our records to help assist you in finding the best insurance value! Each school has been reviewed to provide you with the most comprehensive information including direct links to your school’s insurance page and to identify which level of the Student Secure plan will work for you.
Our School Requirement database features a direct link to your school’s insurance requirements. Our Student Secure plan meets many school requirements, provides comprehensive coverage, and in the end will save you money! The Student Secure features the following benefits:
Great 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:
So 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!
It’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!
The UK is one of the most popular destinations for international studies. In fact, studying in the UK is the number two choice for international students in the world, second only to the USA. The UK offers international students an excellent higher education system and with hundreds of universities to choose from – it’s easy to see why it’s such a popular destination. For more demographic and statistical information about international students in the UK, visit the UK Council for International Student Affairs.
Before you leave your home country/country of citizenship you should consider having a health insurance plan for international students that will work for you in the UK.
The Atlas Travel Series is a great choice for health insurance for international students in the UK. The plan provides comprehensive coverage for doctor office visits, prescription drugs, hospitalizations, diagnostic testing, x-rays, laboratory work, emergency medical evacuation, repatriation, etc. To be eligible for this plan, you do not have to be a student but you must be outside of your home country.
International students needing health insurance in the UK will find applying for the plan simple and easy – you can purchase the plan right online and get immediate coverage. After you purchase the plan, you can receive all of your insurance documents immediately via e-mail. This e-mail will include your visa letter, receipt, insurance card and policy details.
After China, India sends the greatest number of students abroad. The majority of Indian students study in the United States, which is followed by Australia, the UK, Germany and Canada. Health insurance for Indian students studying abroad in important especially as health care may work differently than in India.
Unlike India’s national health care, countries like the United States provide private health care. In the United States, the medical expenses can be costly and you’ll be expected to provide insurance coverage in many doctor’s offices and hospitals. Indian students studying abroad in the US under an F-1 visa may be required by their school or organization to have coverage before the first day of school. Indian students studying under a J-1 visa are required by the US government to have insurance, including repatriation and emergency medical evacuation.
In Australia, the government provides insurance coverage through Overseas Student Health Coverage (OSHC), which will need to be purchased prior to arrival. In other counties like the UK and Canada where they do offer public health care, it is possible that you may not be covered. The British and Canadian Embassies recommend that Indian students have adequate health insurance before arrival since medical treatment can be expensive and students are not covered by their national health care. The exception to this is in the UK if you’ve been covered by a reciprocal health care agreement or enrolled in a course that is 6 months or longer.
Indians traveling to Germany to study are required to have insurance under the Student visa. Students under the age of 30 or until their 14th academic semester can take out the public health insurance, or you can choose to opt out for a private health insurance. International students over the age of 30 will no longer be eligible for the student rate and may voluntarily choose a public fund or a private health insurance provider.
When you are looking for your insurance while studying abroad or if you plan on traveling to other countries, you’ll want a plan that will cover you for the full duration of your studies or trip. The Student Health Insurance is designed to cover you up to 4 years of studying and meets many school and government requirements. The plan includes comprehensive inpatient and outpatient medical coverage (doctor visits and hospitalization), prescriptions, mental health, maternity, sports coverage, emergency medical evacuation, repatriation, etc.
Chinese students make up a large portion of students studying abroad. Health insurance is often times a big concern as most countries, colleges and Universities require that international students have it.
The Atlas Travel Series is an excellent choice for health insurance for Chinese students studying abroad. The Atlas Travel Series provides coverage to students studying outside their home country. It provides coverage for inpatient and outpatient services, prescription drugs, emergency medical evacuation, repatriation, doctor office visits, etc.. This plan allows students to choose maximum coverage limits (from $50,000 to $1,000,000) and your deductible (from $0 to $2,500).
The plan meets all of the requirements for the Schengen and US visa’s. In addition to that it can protect students from financial burden in the event of an unexpected illness or injury. So whether it’s required or not – it’s a smart idea for all Chinese students studying abroad to have health insurance.
After this plan is purchased, they will immediately receive a confirmation e-mail. This e-mail will contain the insurance card, letter of coverage, receipt, visa letter and policy details. Students can simply print these documents out to show proof of coverage.
