All About the International Student Health Insurance in USA
The United States is a very attractive destination for students from all over the world due to the large number of world-class educational institutions in the country. There are also many interesting and diverse courses available in the country, which aren’t available in any other country. This results in thousands of students from different countries in the world applying and enrolling on a daily basis in the numerous colleges and institutions in the United States.
International student health insurance is something that every student must seriously consider before they take up a course of study in the U.S. The cost of healthcare in the U.S. has increased exponentially in recent years. It is almost impossible to foot the bill of even ordinary medical or surgical procedures without the backup of health insurance. Even if a student is medically fit, has no medical history of any serious illnesses or hereditary illnesses, it is still safe and more secure to have health insurance that will cover any and every emergency or unforeseen medical or surgical circumstances that could arise. Life is unpredictable and it is important to have financial security in life, which can seriously be undermined if a person suffers from any medical crisis but doesn’t have the financial resources to pay for expenses.
For any student entering the U.S. on a student visa, it is important to know all about the F1 Visa Health Insurance. This visa is the non-immigrant one given to international students and is issued by the U.S. Department of State. The visa is always issued after the student has been accepted for the academic program at any school, college or other institution. This visa has to be mandatorily maintained throughout their academic program in the United States. They can arrive in the country 30 days before commencement of classes and leave 60 days after the completion of their academic program.
Chinese student health insurance USA depends on what kind of visa the student is coming to the US under. For those coming under the J-1 visa, they would need to have insurance coverage under the program applied for or buy a health insurance independently. The J-1 visa applicants need to have a minimum insurance coverage which amounts to medical benefits of a minimum of $50,000 for each person for each accident or illness, as well as repatriation of the remainder to the amount of $7,500, as well as expenses for any medical evaluations that amount to $10,000. For Chinese students coming on an F-1 visa, there are no such insurance requirements, but the majority of programs would require you to have insurance of your own before you join the program. Some institutions make it compulsory to buy their own insurance plan while others allow students to buy one of their own choice.