Health insurance is not only a smart idea for international students to have but it can protect you from financial burden if an unexpected illness/injury should happen. Most students are young and healthy and will rarely have medical issues. However, it’s a smart idea to have a comprehensive medical plan in place to protect you.
The Student Secure plan is a very comprehensive and affordable student health plan for international students both, inside and outside the US. 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.
This is a question that we are continually being asked, and especially as we head into August – its something we hear more and more often. For schools in the USA, they will require all students to obtain or purchase some form of coverage before they will let you enroll in classes – and you will run into a few scenarios:
In the first scenario – you will have no choice but to accept the schools insurance plan and pay for it. This is becoming more popular for schools to handle their insurance this way as the schools can regulate the coverage and will know what all their students are covered for.
The second and third scenario are also very common, but it has become increasingly complex for students to try and find coverage as many schools will require the insurance to meet certain guidelines and levels. Schools will also use what they call “Insurance Waiver Forms” which are documents that need to be completed by students who do not wish to purchase the schools insurance plan. It will contain your details, the details about the plan you have purchased and must be signed by your insurance company to show that the plan you have purchased meets their requirements.
Of course, this system can seem daunting and complex to many international students. So, to assist students, we have created the International Student School Insurance Requirement Database – which lists nearly every school in the USA and what their requirements are. You can quickly learn if our plans will meet your schools requirements, and in most cases we offer a link to your schools insurance section and to your insurance waiver form along with instructions on how to complete and submit the waiver form.
If you have any questions or need assistance finding an international student insurance plan, then let us know!
Denmark has become a popular international study destination for students from European countries including the United Kingdom, Norway, Germany…… and now from Asia, with a large number of Chinese students. Denmark is a popular destination for students to study for a number of reasons, including modern teaching styles, English familiarity and high academic standards.
One additional reason Denmark is popular with international students – free health insurance!
Well, almost free – as an international student in Denmark, if you get a residence permit and register with the municipal registration office upon your arrival, you will be covered by the Danish national health care within approximately 6-8 weeks.
Therefore, it is advisable to purchase a travel medical health insurance policy for at least the first 8 weeks of your stay, when you will not yet be covered by Danish national health insurance. In addition, you may want to consider purchasing a private plan for the duration of your stay which could provide coverage such as emergency evacuation and repatriation coverage, to cover you on the trip to and from Denmark and any other trips, and for the additional protections a private plan provides.
If you are considering purchasing a travel health insurance plan, or a private insurance plan to cover you in Denmark or abroad, we can offer a range of plans to suit all needs. Please do not hesitate to contact our support team who will be more than happy to assist you.
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.
USA and Canada – 911
Mexico – 066, 060, or 080 (some areas direct 911 to local services)
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*
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
United Kingdom – 999 or 112
European Union and many other European nations – 112
Australia – 000
New Zealand – 111
Fiji – 911
Vanuatu – 112
Guatemala – 120*
Barbados – 511*
Jamaica – 110*
Nicaragua – 118*
Honduras – 199*
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.
Sweden is a popular destination for international students – last year over 25,000 international students studied in Sweden. High-quality English language instruction, a high standard of living, and free tuition have all contributed to Sweden’s popularity with foreign students. Although Sweden has announced plans to begin charging tuition fees to non-EU students no later than January 1, 2010, Sweden is likely to remain a popular destination.
One item that all foreign students in Sweden must address is health insurance – in Sweden, medical care is very expensive if you do not have health insurance. Here are the Swedish health insurance requirements for different categories of international students:
Non-EU/EEA Students Staying Less Than 3 Months
International students or travelers in Sweden staying less than 3 months will not need a residence permit and will not qualify for public health benefits. Therefore students and visitors should purchase travel health insurance that meets all Schengen Visa insurance requirements (as Sweden is a Schengen country). For these travelers and students, the Atlas Travel Plan is the best insurance solution and will offer travel health benefits such as hospitalization, doctors visits, evacuation, repatriation and much more….
Non-EU Students Staying More Than 3 Months and Less Than One Year
Students planning to stay in Sweden for more than 3 months but less than one year must apply for a residence permit before they arrive; however, they will not be eligible for Sweden’s public health insurance benefits. In this case, a student should purchase comprehensive international travel medical insurance or international student health insurance that meets Sweden’s requirements. In both these cases, the Atlas Travel Medical plan and Student Secure plan would be ideal and can be purchased from 5 days up to 12 months (depending on the plan choice) and will provide a range of travel and student health benefits.
Non-EU/EEA Students Staying More Than a Year
Students staying in Sweden for more than a year must apply for a residence permit before arriving, and they are entitled to Sweden’s public health benefits. Immediately upon arrival in Sweden, you should apply for civil registration at your local tax office. Upon application, you will be eligible for public health benefits even while waiting for your registration to be complete. However, your travel to and from Sweden would not be covered, and the time you spend in Sweden before applying for registration would also not be covered. To fill those gaps, and for the comfort of having additional coverage anywhere you may travel to while studying in Sweden, many students purchase a supplemental travel medical insurance policy. In this case, the Atlas Travel Series would be the best plan.
Students from Nordic and EU/EEA countries
As a student from a Nordic or EU/EEA country, you must register beforehand at a social insurance office in your home country and obtain a European health insurance card, or a FormE128 or E111. When seeking medical care in Sweden, you simply need to bring that card or form with you.
Students from Nordic or EU/EEA countries that do not register with their social insurance office in their home country will need to purchase health insurance, just as non-EU/EEA students do.
To learn more about our plans for students and travelers visiting or studying in Sweden please see:
– Atlas International Travel Medical Insurance
– Student Secure International Student Health Insurance
Are you planning to study in the USA, or anywhere else in the world? Then most likely you will be looking for a health insurance plan that provides coverage your school and government agencies (for visa applications) will accept? Then look no further as International Student Insurance provides you with the Student Secure plan, designed specifically for students who are studying around the world, outside of their home country.
The Student Secure offers two plan options, the Student Secure Select and Student Secure Budget – both offering the same great benefits, however the budget (as the name suggests) offers slightly lower coverage amounts and greater out of pocket expenses when you seek any medical treatment.
The plan provides comprehensive benefits but also provides you with peace of mind so that you know you will have a good plan just in case something happens! Benefits covered include:
If your school has a strict insurance requirement that your international student health insurance plan have a waiting period of no more than 6 months for pre-existing conditions – please visit our Student Secure 6 Month plan which is designed for you!
To learn more about the Student Secure plan, please visit:
http://www.internationalstudentinsurance.com/student-health-insurance/
You can also compare our student insurance plans online if you need help deciding which plan to choose.
The Atlas Travel Medical Insurance plan provides international travel health insurance coverage to those who are traveling outside of your home country. Available in 2 plans which include:
– Atlas International – coverage anywhere OUTSIDE of the USA
– Atlas America – coverage INSIDE the USA
The Atlas America and Atlas International plans offer coverage to both US and Non-US Citizens and can be purchased from a minimum of 5 days up to a maximum of 1 year with renewability options available for up to 3 years in total.
The plans also offers benefits such as:
* Medical Expenses/ Doctor Visits
* Hospital Room and Board
* Prescription Medication
* Emergency Evacuation
* Lost Luggage Coverage
* Repatriation
* and much more……
The Atlas plan range are ideal for those traveling around the world that want a range of high quality travel insurance benefits, and that fact that you can renew the plan for up to 3 years makes it flexible enough for those that need longer coverage. If you are a student, however, please also consider the Student Secure Health Insurance plan as this offers greatly enhanced benefits and is designed just for students.
Further information about the Atlas America and Atlas International plan can be found online:
http://www.internationalstudentinsurance.com/travel-medical-insurance/
International Student Insurance is proud to announce the launch of their brand new website, aimed at providing international students and study abroad students with easy access to the most comprehensive international insurance plans available online. The new website offers better design and navigation, plus users can now access information, tools and plans more quickly and easily with our products:
The new website also offer direct access to some of our core features for new and current clients, including easy access to the student zone; where you can get direct access to your insurance account 24 hours a day, the school requirements database; where you can find out the insurance requirements of your school in the USA and, of course, our student insurance blog which offers comprehensive advice and information about student insurance and travel.
To learn more about the launch, please view our press release available for immediate distribution or you can view the official release online.
Please also visit our new site at:
http://www.InternationalStudentInsurance.com
Whether you are planning to study abroad or take a vacation to a foreign country, you will need to prepare beyond your Lonely Planet guide. One important preparation is to make sure you have adequate student travel insurance that will cover you while you are away. There are many student travel medical insurance plans that you can choose depending on the type of coverage you are interested in.
One of the most popular travel medical insurance plan available is the Atlas Travel Medical Insurance plan. This plan is designed to provide coverage outside your home country for inpatient and outpatient services, prescription drugs, emergency medical evacuation, repatriation, doctor office visits, and much more… This plan allows you to choose your maximum coverage limit (from $50,000 to $1,000,000) and your deductible (from $0 to $2,500).
If you have travel and health coverage, another option would be a Trip Cancellation Insurance plan that would cover you in case the unexpected happens and you need to cancel your trip. It offers trip cancellation, trip interruption, emergency medical evacuation, repatriation of mortal remains, accidental death and dismemberment, and other incidental coverage and services for persons traveling outside their home country. The cost for the plan is determined on the total cost of the trip itself.
If you have have health insurance coverage abroad already and need supplemental coverage, then the Emergency Medical Evacuation Insurance will work for you. This is designed to offer emergency medical evacuation, repatriation of mortal remains, accidental death and dismemberment, and other incidental coverage and services for persons traveling outside their home country. It is offered in 3, 6 and 12 month coverage periods and immediate coverage is available.
For more information about student travel insurance, please be sure to check out our full plan range
The premiums for the Atlas International plan have recently been reduced, making the popular health and travel plan more affordable than ever before.
This plan works great when traveling outside your home country. This plan provides coverage for inpatient and outpatient services, prescription drugs, emergency medical evacuation, repatriation, doctor office visits, etc. This plan allows you to choose your maximum coverage limit (from $50,000 to $1,000,000) and your deductible (from $0 to $2,500).
This plan is well suited for study abroad programs, international students, vacations and holiday travels. This plan can be purchased online- with same day coverage. You will get all of your documents immediately, including access to obtain a “Visa Letter” – if you need one.