The Importance of Student Medical Insurance
For international students, student medical and accident insurance coverage is
mandatory, without which registration to schools will be denied. Because the medical cost in the US is very expensive and
difficult for most students to afford, all schools demand that international students purchase adequate medical and accident insurance coverage.
In addition, individuals without medical insurance will have great
receiving prompt medical attention.
Insurance Purchased Outside the US
Medical insurance purchased outside the US does not apply in the US because insurance companies
outside the US do not accept and process payment requests from US
hospitals and clinics. Likewise, insurance purchased outside the
US is not accepted in the US due to differences in medical
payment processing systems and procedures. There is no way
for hospitals and clinics in the US to verify with the policy
issuing organization on the scope or applicability of the coverage for
Medical Insurance Cannot Be Replaced by Life
or Travel Accident Insurance
Life insurance is only applicable when loss of life occurs; Travel Accident insurance is applicable only for injuries or loss of life as a result of an accident. Ordinary illness, emergency
evacuation or repatriation of remains, etc. are only
covered by medical and accident insurance.
Medical Insurance Provided by Schools has
Restrictions and Limitations
When students do not have adequate medical coverage, schools will provide
opportunities for international students to purchase medical and accident insurance.
In most cases, students have the option of choosing their own
coverage, resulting in varying premium rates. Some schools
include insurance as part of the overall tuition. Students
should verify their school's policy on insurance
provisions. Most schools will accept private insurance when students present proof of adequate medical coverage.
In general, medical insurance program provided by school provides reasonable coverage,
your own protection, students should check on the flexibility and restrictions of these
programs and shop around for other good insurance overages
with more flexibilities and better rates. Listed below are a few points for your attention:
- Is semester break covered same as during semester?
- Is student health center closed for holidays/breaks, leaving students seeking outside services at higher cost?
- Is the program applicable for transfer of school, or applicable to other states?
- Is the program early-terminable?
Be Selective When Purchasing Medical
When purchasing medical insurance, be selective. Other than
the premium rate, also take into consideration of maximum benefits, annual deductible, co-payments, pre-existing period, other restrictions, etc. Compare and understand different
programs before you decide and make your purchase.
UScampus Health & Accident Insurance Plan
American International Education Foundation (AIEF) is
a non-profit organization dedicated to bridging the information
gap between international students and U.S. educational
institutes. AIEF offers a well-round membership plan which
benefits members in various perspectives. Since all U.S. schools
require international students and scholars to carry medical and
accident insurance, AIEF works with the insurance company to
customize an “UScampus Health & Accident Insurance Plan” it is
an all-inclusive yet low-cost group health insurance and is only
offered to AIEF members.
Learn more about UScampus Health &
Accident Insurance Plan