Student Medical Health Insurance

Student Medical Health Insurance

International Student Medical Health Insurance for overseas destinations such as US, UK, Germany, Australia etc. are very important, even obligatory for students to get enrolled in some countries such as the USA. USA demands every international student to get enrolled in any of the student medical health insurance plans available be it university-sponsored insurance plan, external health insurance plan or any other either under your employer, parents or spouse’s plan who are based i the USA.

Student health insurance

Student health insurance


In 2010 the Patient Protection and Affordable Care Act (PPACA) became law, providing for major changes in health insurance. Under the act, hospitals and primary physicians would transform their practices financially, technologically, and clinically to drive better health outcomes, lower costs, and improve their methods of distribution and accessibility. The Supreme Court upheld the constitutionality of most of the law in June 2012 and affirmed student medical health insurance exchange subsidies in all states in June 2015.

Due to the excessive cost of medical services in the US International student medical health insurance becomes all the more important and obligatory. In this regard, every university in US offers each of the international students with a student medical health insurance which is sometimes called Student Health Insurance Plan or SHIP. Cost of international student medical health insurance is included as part of the fees in their admission letter (I20). Most of the times this cost seems to be expensive or out of an Indian student’s budget. It is more so due to the availability of cost-effective and well-featured health insurance plans from the US as well as Indian Insurance companies.
There are ample reasons why a student medical health insurance is necessary, with the number one objective, of course, being to have recourse to inexpensive treatment; remember, without a student medical health insurance, you may be forced to fork out ridiculous sums of money, as health care is costly in the US.
Also, apart from your personal reason to have health insurance, most universities across the world mandate it as part of the admission requirement. So, you practically have no alternative to buying student medical health insurance.
It is not that there are no affordable student medical health insurance plans there, but you have to be smart enough to realize that there are also certain conditions that need to be met by international students. Some of the common criteria are as follows:-
• Comprehensive health coverage throughout the period of your study,
• Include preventive and primary care, emergency services, and surgical services.
• Have a certain amount of maximum deductible, copay, coinsurance, and Out of pocket maximum.
• Cover pre-existing diseases
• US-based plan.

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