School Waiver Requirements
July 9th, 2007 by International-Student-InsuranceAs the new school year starts, make an educated decision by choosing one of the most comprehensive international student health insurance plans available in the Student Secure plan from InternationalStudentInsurance.com. This plan provides:
– Monthly Payment Options
– Hospitalization Services
– Doctors Office Visits
– Prescription Drug Coverage
– Maternity and Mental Health
– Medical Evacuation and Repatriation
– And Much More….
To view all the benefits of the Student Secure plan, quote or apply online click here:
http://www.internationalstudentinsurance.com/student_secure_international/
Also, as part of your enrollment process your school will either require you to purchase their plan or show proof of comparable coverage. In most cases the Student Secure plan will meet and exceed your schools insurance requirement, providing similar benefits at a much lower cost. Check out your schools requirements online.
Easy Monthly Payment Options!
June 6th, 2007 by International-Student-InsuranceAs of June 1st 2007, our flagship international student health insurance plan, the Student Secure, now offer easy monthly payment options for students. The Student Secure has always been a renewable insurance plan, so you can purchase a set number of months and then simply renew – however for students that need to show proof of coverage for a certain period, such as 9 months, it was sometimes hard to make a full payment up front.
The Student Secure will now let you purchase 12 months of coverage and pay for the plan each month via your credit card. When you sign up, you will be given the option to either pay all up front, of opt to have your credit or debit card automatically charged each month – making our insurance even more affordable!
If you are looking for a low cost international student health insurance plan that will be accepted by most schools, and will meet and exceed all country visa requirements, the Student Secure is your best option. It also offers:
– up to $300,000 policy maximum
– Mental Health Coverage
– Maternity Coverage
– Pre-existing Condition Coverage after 12 months
– Sports Coverage
– and much more..
To view the plan and purchase it online please visit:
http://www.internationalstudentinsurance.com/student_secure_international/
Technorati Tags: insurance payment, international student insurance, international student health insurance
International Travel Insurance – Trip Cancellation
May 22nd, 2007 by International-Student-InsuranceThe new RoundTrip International Travel Insurance plan has now been updated for 2007 with some fantastic new benefits and levels of coverage for our clients. The new plan now has 2 coverage options, the basic standard plan and a NEW enhanced “Choice” plan for those that want a little extra coverage.
The plan provides you with core benefits of:
– Trip Cancellation coverage,
– Trip Interruption benefits,
– Trip Delay,
– Evacuation and Repatriation,
– Lost Baggage and Baggage Delay,
….plus you now have the option to add optional flight accident insurance and collision damage waiver insurance!
The RoundTrip plan is a great comprehensive travel insurance plan, and you can purchase it right online – quickly and easily!
Learn more about the RoundTrip International Travel Insurance Plan!
Technorati Tags: international travel insurance, trip cancellation insurance
Student Insurance Comparison
May 16th, 2007 by International-Student-InsuranceA question that we are always asked at International Student Insurance is how to compare the various plans and options that are available. For most students there are a number of plans that are available – and those plans will offer varying benefits and have varying costs. So to make things easier, we have developed a few tools to help you work out what student insurance plan is best for you.
Firstly, there are two main questions which you should ask yourself when looking for coverage:
1 – How long do you need coverage for?
2 – Are there any specific benefits you need?
Knowing the answer to these two questions will start you off in the right direction as you can work from here and eliminate some plans as they do not meet your criteria.
Secondly, you should use our student insurance comparison tool. This tool has been created to offer a side-by-side comparison of the main international student health insurance and international student travel insurance plans that you can purchase. The comparison provides an overview of the benefits of each plan – and should help you choose the right option for you:
– Student Insurance Comparison for International Students
– Student Insurance Comparison for US Citizens
We also have a dedicated customer support team on hand to provide you with guidance and assistance – and they are more than happy to help you locate the right plan for you and give you further information.
New Online Renewal Features
March 26th, 2007 by International-Student-InsuranceGreat news for all new and existing International Citizens International Health Insurance customers – you can now renew your plan online through our Client Zone. The new online feature means you can now manage your international health insurance plan from anywhere in the world, just as long as you have internet access, and can quickly and easily process your renewal each year with little or no fuss!
If you would like more information about the International Citizens International Health Insurance plan then please see below:
– For International Students (non-US Citizens)
– For US Citizens
Please contact us if you have any questions
http://www.internationalstudentinsurance.com/contact/
Summer Study Abroad Insurance
March 21st, 2007 by International-Student-InsuranceFor all of those students that are about to embark on their summer study abroad trip you are about to have a life changing experience. Some of you may be going to Europe and some may be going to China, Japan or South America but whether you know it or not you all have something in common. You will all be studying outside of your home country and out of your comfort zone. You will also be exploring a whole new world out there with new and different cultures.
When you are thinking about all the great adventures you are about to have, you may forget to have adequate health insurance that will provide coverage for you while you are studying outside of your home country. Fortunately, most schools require students to have this type of insurance. We have two excellent plans that will satisfy your school requirement for study abroad insurance – the Student Secure plan and the Atlas International plan. Both of these plans offer comprehensive coverage and great rates, especially when you are outside of the U.S. The Student Secure plan offers coverage for inpatient, outpatient, maternity, sports coverage, emergency medical evacuation, repatriation, etc. and you must be a student to qualify. You can purchase from 1 to 12 months of Student Secure coverage, and can continue to renew as long as you are studying outside of your home country.
The Atlas International offers similar coverage for those outside their home country, but you do not have to be a student.You can purchase as little as 5 days of coverage, up to a full year, and you can renew the plan for up to 3 years. One nice feature of the Atlas International is that you can choose a deductible as low as $0. Since there is no co-insurance on claims outside the US, you can reduce out of pockets costs for medical claims.
If you are like most students, health insurance is the farthest thing on your mind. You may have waited till the last minute to purchase it and you need proof of insurance by tomorrow or even today. Well, with these two plans we offer a great benefit: online fulfillment. This allows you to receive all of your insurance documents via your e-mail. You will receive a confirmation e-mail after you purchase the plan online and it will include your visa letter, explanation of benefits, receipt and insurance card. You can simply print these items out and bring them with you when you go abroad.
For lots of study abroad information, including program listings, a study abroad blog, etc. visit the Study Abroad section of InternationalStudent.com. You may also want to make sure you have an international phone card or sim card. Your cell phone provider may offer international calling but usually you will see they have very high rates and you can end up with an extremely high bill at the end of the summer. These services and products are all found through a great site: iCallAbroad.com. They offer excellent products with great rates and a “Print n Go” facility.
Travel Insurance for Spring Break
March 12th, 2007 by International-Student-InsuranceI remember spring break quite well. This is the most coveted week of the school year for students in the U.S. Many students look forward to this week of relaxation for weeks and with great anticipation. I know I couldn’t wait to go abroad on the trip I carefully planned out. I knew it was going to be the best week of my college experience. After studying every night for mid-terms, writing papers, completing research projects and working part-time I felt like I deserved this mini vacation. The only thing I didn’t think about was getting insurance for myself while I was abroad. Granted I knew I was still under my parents domestic insurance plan, however, you never know if domestic insurance plans will extend overseas and this is something you don’t want to leave up to chance.
So, before you go overseas I would highly recommend getting an insurance plan that will cover you outside of the U.S. There are so many cases where I’ve spoken to people who’ve had an injury or illness that they’ve gotten overseas and their domestic insurance plan only covers extreme cases. At that point, you don’t really have any other option except to pay the bill yourself. But, the lesson they learned the hard way is to have travel insurance. And although, medical expenses are cheaper abroad it still may be an expensive bill, especially for students. Wouldn’t you want to spend your hard-earned money on something other than medical costs?
If you are looking for a plan, then I would recommend the Atlas International plan. This plan is quite inexpensive and it provides excellent coverage. You could choose a $0 deductible plan with maximum coverage ranging anywhere from $50,000 to $1,000,000. Your cost for a 7 day trip would range anywhere from $8.75 to $13.13. This plan also offers great benefits, such as, BagTrak, Lost passport or travel documents assistance, emergency cash transfers, livetravel services, emergency medical evacuation, and so much more. So, even if you don’t end up using the plan at least you’re provided with a sense of security and reassurance that you are covered while you are abroad.
The U.S. Department of State provides more information on requirements for travelers, travel tips for students, tips for women traveling alone, etc. Another great site full of discount student travel information is found through InternationalStudent.com. It gives you great information for vacation planning, things to do before you leave, hostel/hotel room search, cheap airfare, etc.
J1 Visa Insurance Requirements
February 27th, 2007 by International-Student-Insurance
J1 Visa Insurance Requirements
If you are a J1 visa holder, or if you are applying for a J1 visa, you must have an insurance plan that will meet certain visa requirements. This post will identify the J1 visa requirements, guide you to insurance plans that meet those requirements, and hopefully save you some time and money.
The insurance requirements for J1 visas are very specific. If you purchase insurance that does not meet these requirements you may waste a lot of time and money. At best, it could delay your visa application process, and in the worst case, you could have your visa application denied. Therefore it pays to know the requirements and to make sure the plan you purchase meets all of them.
The insurance requirements for a J1 visa are as follows:
- Medical Benefits of at least $50,000 per accident or illness
- Repatriation of Remains in the amount of $7,500
- Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $10,000
- A deductible not to exceed $500 per accident or illness
- A policy underwritten by an insurance carrier with:
- an AM Best rating of “A-” or above
- an Insurance Solvency International, Ltd (ISI) rating of “A-I” or above
- a Standard and Poor’s Claims Paying Ability rating of “A-” or above
- or a Weiss Research, Inc. rating of “B+” or above
Please note: As of May 15th 2015, the J1 Visa Insurance Requirements will be increasing, please see our post about the changes for more information.
All international health insurance plans offered on InternationalStudentInsurance.com meet all J1 visa requirements. In particular, our Student Health and Travel Medical plans meet J1 requirements, and both plans are inexpensive and widely used by J1 visa holders. You can also visit our dedicated J1 Visa hub for more information at:
http://www.internationalstudentinsurance.com/j1student/
If you are looking for information regarding visa requirements or have any questions in this general area these two sites have a wealth of information pertaining to visa requirements and the application process: InternationalStudent.com and the U.S. Department of State.
New Database for College Insurance Requirements!
February 20th, 2007 by International-Student-InsuranceApplying to become an international student and studying outside of your home country can be a daunting task at times. So, many things are going through your mind and you must remember to have certain forms properly filled out, meet deadlines, find enough money to fund your education and then travel thousands of miles to a school that you may have only visited once. If you find yourself in this predicament, you may want to visit InternationalStudent.com to help you learn more about the USA. This site has a very helpful Study USA Advice Center.
So, then your school tells you that you must have health insurance either through their provider or an alternate provider which you must find on your own means. You learn though that the alternate insurance plan must meet certain requirements. These requirements are usually extensive and can be quite confusing. At this point, you may just want to throw up your hands and pay the school’s insurance fee. However, it may well be worth the time and effort locating a new plan. In a lot of cases, the school’s insurance plan can cost you double what alternate plans may cost. So, to make your life a little bit easier, we’ve added a school insurance requirements database to our website.
This feature will allow you to look up your school by state and identify whether or not our Student Secure Health Insurance plan will meet your school’s requirements. Instead of searching for hours for an inexpensive and acceptable plan on the internet, you will now have the tool to know right away. Through our extensive research, we have identified which level of our plan meets your school’s requirements. Inevitably, this will save you time and money and the guesswork will be minimized.
If you do decide to waive your school’s insurance policy, then you’ll want to check with your school and see if you need to complete a compliance form. Once you sign and complete this form, we can fax it to your school. Also, once you apply for the plan, you will receive all of your insurance documents via e-mail if you opt for online fulfillment. This e-mail will be sent to you right away and will contain your insurance card, letter of coverage, explanation of benefits and receipt.
We will be updating this list on a continuous basis. If you do not find your school on the list and still have questions in regards to your school’s requirements then please do not hesitate to contact us.
School Insurance Requirements
January 29th, 2007 by International-Student-InsuranceAs an international student in the USA or anywhere else in the world you are required by either your school or the government of the country you are studying in to meet certain insurance requirements. For most of you, this is not an easy task to try and work out if an insurance plan will meet these requirements so this posting is designed to help you work out the requirements and what plans will fit in with those requirements.
Firstly, you need to check the requirements of the country you are studying in. The US State Department has certain criteria for students coming into the USA, for example the J1 Visa has insurance requirements and for students coming into Europe, the Schengen Visa has certain insurance requirements. The good news is that all the plans offered on International Student Insurance meet and exceed these requirements, so students can purchase any student insurance plan they need.
Secondly, the school you are attending may also require you to meet certain requirements. These requirements are generally a little stricter than the country requirements and can vary greatly from school to school, so it can be difficult to work out if plans meets certain requirements. To help we have created a database of schools around the USA and listed them and indicated whether our plans meet their requirements – you can visit this at:
School Insurance Requirements for the USA – Listed by School and State
If your school is not listed however this is not to say our plans do not meet the requirements but simply that we have not had the time yet to list all schools, so you should check out our Student Secure Student Health Insurance which will most likely meet all the requirements.
Student Secure Highlights:
– PPO Network – Not restricted to any network, but can go to the Hygeia Network
– Deductible – $100 (reduced to $50 at Student Health Center
– Major Medical Benefits – $300,000 (Select Plan) and $250,000 (Budget Plan)
– Pre-Existing Conditions – Excluded for the first 12 months, full coverage after that
– InPatient Mental Health – $10,000
– OutPatient Mental Health – $50 per day, $500 Maximum
– Maternity – $300,000 (Select Plan) and $250,000 (Budget Plan)
– InPatient Prescription Medication – 100%
– OutPatient Prescription Medication – 50%
– Medical Evacuation – $300,000 (Select Plan) and $250,000 (Budget Plan)
– Repatriation – $25,000 (Select Plan) and $15,000 (Budget Plan)
– Sports Coverage – $5,000
You can view the Student Secure Insurance plan here.
We are very happy to assist students in anyway, so if you have an insurance requirement form from your school and you want us to check it to make sure our plans meet them please email us with the form and we will be happy to check it and let you know what plans are available to you.
