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Short Term Student Health Insurance

Information about Short Term Student Health Insurance

Although short term student health insurance will not cover a student throughout their entire academic career, it will provide coverage for very short periods of time in the event that long term health insurance is not available. In the case for international students, health insurance is especially important because it is very likely that they will not have any family for support, should an accident or illness occur while studying in America. The good news is that the health insurance policies for international students are quite similar to standard citizen insurance. Just make sure that the policy you choose meets or exceeds F1 or J1 visa requirements.

Length of Coverage

The usual length of coverage for short term student health insurance is anywhere from one to six months. There are times that an insurance company will extend coverage up to twelve months, but that is the limit in short term coverage. Most providers that carry short term insurance also carry a wide range of long term insurance products. In fact, most providers recommend getting a long term policy as soon as possible because the rates and coverage are usually better. An international student may wish to have short term insurance while they wait until they get into the U.S and can better look around for a suitable long term policy.

Deductible & Co-Pays

There are usually options which can be chosen in terms of deductibles. The most common deductibles are $250, $500 and $1,000, and the amount is established when the quote is made before the policy is bound. With some companies, the deductible can be as low as $25. However, as with all other types of insurance, the higher the deductible, the lower the premium. While it might cost less to carry a $1000 deductible, in times of illness, that money just might not be available. Also, co-pays don’t usually kick in until the deductible is met. Co-pays can be a preset amount or they can be a percentage of the medical bill. When they are based on percentages, 80% is the most common amount.

Differences for International Students

As mentioned, the similarities between international student health insurance and standard citizen, student health insurance is quite similar. The main difference is that international students will have to make sure that the policy covers repatriation and medical evacuation. This is important in the event that an illness may result in a student having their permission to study revoked in the U.S. In addition, there won´t be as many options available for international students in the terms of policy providers so it is important to do plenty of research prior to coming to the United States. This is even more so due to the fact that some colleges may require the student to be insurance before a visa is granted.

Ask the College or University

Ask the college or university that you have been accepted to study in, for information on where to get international short term student health insurance. They may have a provider that offers cheap insurance that is also directly in accordance with the state rules in that the college or university belongs to. If possible, try and get insurance that will cover the entire length of your stay as this will work out cheaper in the long run and might have more benefits. Remember to read a policy in great detail prior to purchasing it so that you understand the exclusions and reasons and circumstance that would make the cover void.

In most cases, travel insurance would suffice for short term health insurance. So, if you are having difficulty finding short term insurance, consider searching for a travel insurance company that can provide this for you while studying abroad. You have been given an amazing chance to study in the United States and it would be a shame if an accident or illness would be the result of having to stop studying. With this in mind, you aren’t just insuring your health, but also your future.