International Insurance Coverage

Many employees fly abroad on various business assignments and hence, international health insurance is mandatory in order to reduce the risks during travel, like accidents, illness and injuries outside your home country. Most of the health insurance plans taken by American citizens and employees are not beneficial outside the US. HMO plans have limited benefits outside the local HMO area and also place lot of restrictions to the insured. PPO plans typically limit the coverage option within the PPT network in the US and are lesser restrictive in nature. Medicare insurance plans do not cover medical expenses for senior citizens above 64 years if incurred outside their home country.

In case of life threatening emergencies, international insurance plans provide coverage for evacuation which could otherwise cost around $90,000. This feature provides immense security to the traveler mentally and financially.There are two options for choosing international health insurance from the wide choices of international insurance providers available in the market. Long term International Health Insurance covers the travelers worldwide and also in the home country. Short term International Medical Insurance covers outside the native land up to a period of 3 years and offers limited coverage options inside the home country for incidental trips.While choosing an international health insurance plan, there are various factors to be considered. One of the most important considerations would be the financial strength of the company.

You can rely on the rating information provided by the AM Best Company.AM Best Company is an independent organization which provides rating of insurance companies and also insurance underwriters. The ratings range right from A++ to D grades. A good AM Best rating indicates good financial stability of the company.Larger International Health insurance companies partner with major hospital in big cities of the world and have direct billing agreements thereby reducing the inconvenience of payment procedures of the insured. The insurance company directly pays the bill to the hospital.International health insurance industry has various players and all of them offer competitive plans at affordable prices suitable to the needs of the customer.

Some companies focus only on the international segments. The others are now beginning to look beyond the domestic US market. You need to compare the other possibilities on the internet before finalizing a suitable international health insurance plan.

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Originally published here.

In today’s world, the word insurance is not something new to you. You must have heard a lot about their benefits and you may even have invested in a policy or two. Seems like it is enough to take care of your future commitments, but here is another insurance plan that pops up when you plan a trip abroad!
International travel insurance is being talked about today by many. Students and holiday goers alike are all asking questions regarding the insurance plan and what it has to offer them. Here are some frequently asked questions:

Why International Travel Insurance in the first place?

This is specially the question asked by all those who want to just take a vacation abroad. The answer is that investing in the travel insurance will help you face all the uncertainties you encounter during your travel in an undeterred manner. These could include situations like accidents, ill health and thefts that could trouble you during your travel.

Being in a new place, especially when facing such problems makes you feel helpless. Further, it may prove to be taxing on your pockets when you have to wriggle out of such problems. If you have an insurance cover, the trouble will be much minimized.

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Would making claims be a laborious task?

This is a question you must ask if you have to be sure of your choice of insurance plan. There are many different international insurance plans that are offered by different companies. When deciding which serves you best, you must know the procedure for claims. The best way to get this information would be to talk to an insurance executive himself who can give you all details. If this is not possible, try using the internet to get all the information.

Would a pre-existing condition matter while seeking insurance?

It sure does. You will be asked all details regarding your current health condition while you decide to buy international travel insurance. While there are few insurance plans that will refuse to provide insurance cover in certain conditions, there are yet others who will provide you cover in spite of pre-existing conditions, but at an added cost. You will see that you have to pay a slightly higher premium compared to the rest.

Does age matter?

Certain international travel insurance plans have a specification on the age of the people who can be covered under their insurance plan. If you are aged above 70, you will have to make an effort to find insurance plans that are designed just for you.

What if I have change in plans?

You may want to extend your vacation and the period for insurance cover too. You must enquire beforehand whether the insurance company will accommodate for such requests. Majority of the companies will let you do it effortlessly, but you must be sure your insurance company is one among them.
In addition to such details, you must find out about all exclusions. It is best to get all your doubts clarified so that you do not suffer during the travel.

Originally published here.

Whether you are a US resident or a foreign student, the first and foremost requirement as you embark on your graduation journey is student health insurance. Being insured against fortuitous events on the health front leaves you free to pursue your goal on the academic front. There are two options for student health insurance in USA. One is to take up the health plan being offered by the University in which you plan to enroll and the other is through a private insurance company. The latter option is the best choice for international students as private insurance companies offer comprehensive and cost effective plans which adhere to your budget. University plans are more often, than not, very expensive.

Student health insurance is mandatory for international students in most colleges and universities in USA and is required under the rules of the United States government for J1 and F1 visa holders. We at StudentCoverage understand the importance of saving money particularly for international students and therefore provide the best health insurance for students at affordable prices and with adequate benefits as well as quality assurance.

There are three plans for international students; Study USA Healthcare, Global Student USA Standard and Liaison Student. The Study USA Healthcare plan provides coverage for as low as $38 per month and is also an option for US students going abroad. It is branched into Plan A and Plan B and you can take up the plan which is suited to your needs. It covers accidents, illness and emergency treatments and provides for mental or nervous disorders and substance abuse benefits. The Global Student USA and Global Student USA Preferred start at $40 and 460 per month respectively and provide a few more benefits than the previous plan. Liaison Student provides for dependents’ insurance as well. U.S. Students Abroad and Student Secure are the two plans that cater exclusively to US students going abroad

Getting insured with StudentCoverage has many perks the best of which is the convenient online purchase of policies in under a minute! All your queries will be attended to by our top notch customer support as well as our expert staff and our erudite licensed agents. We offer the lowest premiums and deductibles and you can avail a limit of $ 250,000 or more options of policy maximum. We also provide for maternity coverage. All the student health insurance plans offered by StudentCoverage meet the criteria specified by major US universities and immigration authorities. In addition all of these plans are A-rated and underwritten by renowned insurance companies like Lloyds, Assurant health etc.

So get money wise students health insurance only at StudentCoverage.

Originally published here.