international student insurance

Posts Tagged ‘study abroad health insurance’

Chinese Students in Iowa

Monday, December 26th, 2011

John Wayne, corn and a growing number of Chinese international students; what do these three things have in common? They all have ties to Iowa. Iowa has not been left out of states with a rising number of Chinese students in the US. The growing number of undergraduate Chinese students in Iowa lead to an enrollment increased of 1,700 percent at University of Iowa and 657 percent at Iowa State University over the past five years according to The Gazette in Cedar Rapids.

The trend has become so popular that Chinadaily.com.cn reached out to these Chinese individuals in one article last month to offer them tips on applying to American Universities. Although studying in Iowa was not among their suggestions, studying in California was. Other tips include looking into applying at state universities and smaller colleges and taking standardized tests such as the ACT and SAT, even when the tests are not required to apply.

How have universities adjusted to this increase in undergraduate Chinese students in Iowa? A few of Iowa’s schools are increasing staff in areas affected by this growth such as advisers, counselors and other individuals to assist with orientation and language programs.

With the growing number of Chinese students in Iowa who speak English as a second language, ISU has buckled down to ensure their English proficiency tests are working for the students as much as possible. Instead of a test that allows for memorization and an easy pass, ISU now has a test with both writing and speaking sections to ensure students actually have the level of English that is reflected in their test results so they will receive a proper placement.

Chinese students in Iowa and other locations around the US will more than likely be in need of health insurance during their studies. The Student Secure plan offers international student health insurance to those who are studying outside their home country. If you would like more information regarding this plan please feel free to contact one of our licensed agents.

 

Choosing which College to Study Abroad in

Friday, April 29th, 2011

When you are planning your study abroad, you would no doubt have to make a decision on where you want to go and which college or university to attend. Many of the factors that would help you determine which college is right for you is similar to that of choosing your college at home.

The first step is to get to know yourself. You need to ask yourself, “why am I going to study abroad?” You will need to think about what you expect to get from your experiences.

Are you looking to just have a lot of fun on your trip and use the opportunity to travel to other countries around the region? Are you looking to learn a new language?

For example, if you are looking to have a lot of community support while you are abroad, you might want to consider joining an exchange program that your University has already set up. This gives you the advantage of knowing that many students have already been there – or perhaps there is a sizable community of people from your own country that would be able to help you adjust to the new environment.  But if you are confident with your ability to do things by yourself without much hand-holding, you are freer to choose to go to school where there is relatively few people from your country so you can focus more on your other goals like learning a new language.

Choosing a location

This step is obvious if one of your goals is to learn a new language. If you want to learn Chinese don’t study abroad in Spain and if you want to learn Spanish don’t study abroad in China! Additionally, there are also other considerations when choosing a location. Do you enjoy a big city with a lot of people even if that means your living space may be small? How about the traffic or commute? What is your budget keeping in mind that the cost of living is higher in big cities?

How long is your study abroad trip? Will you be abroad for over a year or just one semester? If you are planning to study abroad just for one semester in the middle of the winter, you might want to reconsider going to study in places like Finland (unless you really enjoys the cold).

Consider your financial need

Many colleges and universities offer scholarships and grants for international students, you would just have to look and apply for it. Not only do you have to consider the tuition costs, you will also have to think about your cost of living; living in London is going to be more expensive than living in rural China.

Many countries especially in Europe like Finland, Spain, etc. also require international students to buy health insurance to get a visa. Most universities in the USA also have school’s specific insurance requirements for their student. So it is important to choose an insurance plan that would provide you with good coverage in addition to an affordable price.

What do you want to do afterward?

Lastly, if you are going to be studying abroad as a full-time degree seeking student, you might want to consider where you want to work after your graduation. Most universities usually have connections to companies or specific areas in which they are located in, therefore if you want to work in the USA or Europe after graduation it may help if you graduate from college in your area of interest.

 

What to do with your cell phone when studying abroad (For US traveling abroad)

Friday, April 22nd, 2011

If you have a cell phone service here in the US chances are you’re paying a monthly service fee from one of the major cell phone service provider – moreover, if you have a smart phone you will probably be paying no less than $70 per month.

But now your study abroad dream has come true! You are going to study abroad next semester and you will be out of the US for several months, so you ask yourself, what am I going to do with my cell phone service while I am studying abroad? If you cancel your service and return home, your phone number will be gone and you will have to tell your friends that your new phone number has changed. Let’s face it, it is a hassle! Here are some options that you may want to consider:

-          Suspend your phone service temporarily

Sure you might be able to use your phone while you are abroad by turning on your international service plan with your provider, however be prepared to pay an extremely high rate for international calls. Another option you may have is to suspend your service temporarily. This means that you will pay a reduced rate to maintain your phone number and at the same time you will stop all phone service while you are away. Different companies have different names for this service and various terms that may apply. Call your service provider and find out what their conditions are so that there are no surprises!

-          Unlock your phone

Most cell phones sold in the US are locked, which means that the cell phone provider blocks the access so that you cannot use your phone on another company’s network.

If you have a smart phone – or even expensive phone – that you want to use abroad, you can unlock your phone by contacting your service provider or Google “how to unlock your cell phone”. Once your phone is unlocked, you can simply buy a sim card, insert the card into your phone, and have a working cell phone for both international and local calls while abroad (this will work if you are using a GSM phone, if you are an AT&T or T-mobile customer).

Verizon uses a different mobile technology called CDMA which is not widely used around the world so this method will not work in most cases.

If you don’t want to or can’t unlock your phone you can also rent or buy a whole pre-paid cell phone package to use abroad.

-          Use the internet to call

If you have a smart phone, download applications like Skype on your cell phone so that you can use it to call home while you are abroad. If you have the iPhone4 you can also use Facetime over a wifi connection. Service like Google Voice will also let you text message any phone in the US for free and people can also leave you a voice mail on your virtual number.

 

Preparing for your study abroad trip

Friday, February 18th, 2011

So you did your research for your ideal study abroad program and for international scholarship opportunities, and now you’ve picked where you want to go. That’s great! But now what? Study abroad usually involves more than just picking your school, paying the plane ticket and school tuition. Early preparation is essential and will save you from last minute headaches. Below is a list of some important considerations you should prepare in advance of your study abroad trip:

Country visa requirements

If you already have your heart set on a country and school, you should research what the requirements would be in order for you to study there. Most countries will require international students to apply for a student visa. Checking with your school’s study abroad office or embassy’s website would be helpful to gain more information about what requirements you need to meet to obtain a visa.

Insurance requirements

Keep in mind that even if you have health insurance in your home country, it may not provide coverage while you study abroad.

Many of these countries also require that you must have health insurance in order to apply for a visa. Some examples of popular destinations with health insurance requirements include the the J-1 visa requirements in the US, student visas in Finland and insurance requirements if entering one of the Schengen countries.

Many universities also require insurance for international students. If you are an international student studying in the U.S., you should check if your university requires you to purchase the school’s plan or whether you have other insurance options, look up your insurance requirements in our school insurance requirements data-base.

Check for important dates!

You should also check for any application deadlines and be mindful if you have to mail any documents internationally, as it may take longer than you expected for it to be delivered.

If you don’t have a passport already, you should apply for your documents early. You will also want to make sure that your passport is valid for the period of travel, no one wants to find out that their passport expired in the middle of your trip.

Research your country

Unlike taking a trip while vacationing for just a few days in a country, when you study abroad you are most likely going to spend a long period of time in your host country. You should do some research on the language and culture of the place you are going to in order to avoid culture shock or to avoid accidentally offend someone. Learn some key phrases and make some local friends; this is a great way to learn the culture. If you are a non-native English speaker and will be studying in an English speaking country, you will probably have to take either the TOEFL or the IELTS test for English proficiency.

Get proper vaccination for where you are traveling to, and check if you will need any medication while abroad and if they are available in your host country.

 

Emergency Medical Evacuation and Natural Disaster Coverage for International Students

Friday, January 15th, 2010

As many of you are now aware there was a very serious earthquake in Haiti.  You may be wondering what you should do and who you can turn to for help in an emergency such as this.

You can refer to FEMA’s web page about “What to do After an Earthquake” The most important things are to listen to the radio and to only place phone calls in the event of an emergency, since call volumes are very high during these times.

International students and travelers should consider having a health insurance plan that will provide benefits to them for emergency medical evacuations and natural disasters.

A popular plan that offers coverage for both of these benefits is the Atlas Travel Series is an excellent choice for health insurance for students needing emergency medical evacuation and natural disaster coverage.  The Atlas Travel Series provides coverage to students and travelers outside their home country.  It provides coverage for inpatient and outpatient services, prescription drugs, emergency medical evacuation, natural disasters,  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).

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, and visa letter and policy details.  Students can simply print these documents out to show proof of coverage.

 

Health insurance for Chinese students studying abroad

Friday, December 4th, 2009

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.

 

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.

 

Student Secure- A popular solution for Study Abroad students

Tuesday, April 21st, 2009

There are many countries that are becoming more popular destinations for Study Abroad programs. For example, Finland, Spain, Italy, France, and the UK are hot spots for international studies and health insurance is also requirement for most of these counties.

The Student Secure plan has become an ideal solution for many these students. 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.

You will also have access (Client Zone) to what is called a “Visa Letter” that outlines what the plan coverage is, confirms the insured is covered and provide other information about the plan that you have purchased. You can just simply print out these documents to show proof of coverage.