If you are an international student, we suggest that you buy a student health insurance plan with pre-existing coverage in case, you are suffering from an existing ailment. It is a tedious task when it comes to selecting an insurance plan, as there are several essential aspects that you should consider before purchasing it. In this blog, we will help you enlighten more about the student health insurance plan with pre-existing coverage and what to look out for!
International student health insurance plans are devised to cover ailment or any injury during an accident. There are a few insurance plans which covers pre-existing conditions, from the very beginning of your coverage. It is crucial to be familiar with the various types of coverage and select the one that you think best fits your needs.
What Is A Pre-existing Condition?
A pre-existing condition is any ailment or any physical, medical, mental, or nervous condition that exists before you got insured. This means that even if you were not aware of any medical diagnoses before getting insured, it could be considered a pre-existing condition.
The pre-existing conditions can be life-threatening ailments such as type 2 diabetes, heart disease, asthma, cancer, or it can be minor medical diagnosis such as a joint injury, or High Blood Pressure. Pre-existing conditions can be determined by your physician and they can create your medical records. Once you have a patient’s medical history, then you can claim by sending your medical history along with your medical bills to the insurer.
Medical diagnosis is very expensive overseas, so it is suggested that before leaving your home country, you should do the following things:
- It is recommended that you get a general check-up. By doing it, you will be well-aware of any illness or injury. Any ailment can be discovered and diagnosed before you leave your home country. You should also get your eye and dental checkups.
- If you are already being diagnosed for any ailment or injury, then it is possible that your insurance coverage will not cover this medication. It is very important that you do a thorough research and select an insurance plan that will fulfill all your needs. If you already have a pre-existing condition, then just go through all the insurance plans and see which plan will cover your existing condition.
- Many people are not aware that the insurance company will ask for medical records from their home country and we often forget to carry them with us when we move from our country. It is highly suggested that you carry all your medical records with you as the insurance company can demand an access to your health records.
An international student should always check with their insurance providers as to which benefits they provide. Don’t forget to check all their terms and conditions and the waiting period in the student health insurance policy. Ensure that you compare and purchase a policy that suits your need.