Do you provide health insurance to international students in the USA
Student medical insurance plans are available from some of the best insurance companies in the world, and will provide you with high levels of protection in the event that you fall ill or suffer a serious accident while outside of your home nation. This is especially important as the USA spends more money on healthcare per capita than any other country on earth, making some form of medical insurance coverage especially vital if you are choosing to continue your education in the country.
Student Health Insurance will normally provide Inpatient Medical Insurance coverage at the core of the policy. This type of coverage will protect you from the costs associated with medical treatment in the event that you require an overnight stay in hospital. This is important as the costs of inpatient treatment (that is, any treatment where an overnight stay in a medical facility is required) will normally be the most expensive of any type of healthcare you will ever receive. In fact, a single inpatient surgery may far exceed all the outpatient checkups you have ever received in your life in terms of cost.
And, speaking of Outpatient healthcare, an international student medical insurance plan will often provide this type of protection in addition to the inpatient coverage portion of the policy. Outpatient healthcare is any medical treatment you receive which does not require an overnight stay in a hospital or similar medical facility. General Checkups with a general practitioner (GP) would be a good example of outpatient care.
While less expensive than inpatient treatment, you will normally receive more outpatient treatment than inpatient. Given the relative frequency of outpatient claims and treatment throughout the course of a year it is generally a good idea to obtain a plan with this type of coverage… As we all know, living in student accommodations, eating fairly unhealthy food (like non-stop Ramen and Macaroni and Cheese), and attending those ever famous student parties, are not terribly conducive to a healthy lifestyle, which is fair enough – you only live once after all! However, given that you will be living the student life, which has its own health concerns, outpatient coverage could be a very good idea; you never know when your late night revelry will require a trip to the emergency room.
Since “emergencies” have entered this answer, this might be a good place to talk about Emergency Evacuation and Repatriation. Having a student health insurance plan with an Emergency Evacuation and Repatriation coverage benefit will ensure that you are able to receive the best healthcare possible, even if the medical facilities and hospitals in your immediate vicinity are not adequately equipped to provide the treatment you need. Now, while the USA has some of the best treatment options in the world (even if those options are expensive) something that often gets overlooked by many international students in America is how big the country actually is!
Let’s say that you’ve been accepted to prestigious Gettysburg College in Gettysburg, Pennsylvania. You’ll be pleased to know that there is the Wellspan Hospital in Gettysburg town, a general 76 bed medical facility. However, 76 beds isn’t a large hospital, and the services provided by Wellspan are extremely generalized. In the event that there is an emergency, in a best case scenario the hospital will still have a bed for you; however, if Wellspan is fully occupied, or if they can’t provide the proper treatment for your condition, you’ll require transportation to another facility – the closest of which is Hannover Hospital in Hannover, Pennsylvania; a full 13 miles (or 26 minutes, during non-rush hours) away.
This is just one example, but if you are attending school in a remote, rural area, then you should consider having emergency evacuation on your plan. This is further enhanced by a repatriation benefit, which will ensure that you can travel home for your treatment or that, in the event of a mortal incident, that your body will be transported back to your home nation for your family.
At Pacific Prime we specialize in international student medical insurance. Many of our staff members attended university and higher education institutions outside of our home countries, and will be intimately familiar with the needs and concerns of foreign national students furthering their education overseas.
We work with only the best insurance companies currently operating in the international health insurance market. From Allianz Worldwide Care to William Russell, the companies which we work with have proven themselves to be, time and again, amongst the best providers in the business; giving you the assurance that any plan purchased through Pacific Prime will provide you with the exceptional protection you deserve.
For more information about Student Health Insurance policies for foreign students studying in the United States, please Contact Us to speak to one of our expert health insurance brokers today. You can also request a free quote by simply completing the short form at the top of this page.
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