Health insurances

Steps to buying an international student health insurance plan, do your research before you begin with choosing a plan

Buying a health insurance plan for an international student doesn’t have to be difficult, especially if you follow these four simple steps. In fact, buying an insurance plan is easy; finding a good plan that meets your needs is what can be difficult. If you have chosen to study outside your home country, it is important to find a good health insurance plan that offers the benefits you need, in addition to meeting the school or federal insurance requirements. One way to know for sure that you are on the right track is to make use of zorgverzekeringen vergelijken, in that way you know that saving money is quite easy.

  • Before finding the perfect international student insurance plan, it is important to know what you are looking for. Often, the school and federal requirements will have a list of benefits and the dollar amount needed for each benefit. For example, the J-1 visa in the United States requires that international students have a policy maximum of at least $100,000 by May 15, 2015.
  • Don’t worry, you’re only four steps away from choosing a great plan.

Step 1. Learn about government requirements

First you should review what government requirements you need to meet to study in your destination country. For example, students studying within the United States on an F1 visa do not need to meet federal insurance requirements, only the requirements of their college or university. However, if you are a student or academic on a J1 visa, you will need to make sure that your insurance meets the insurance requirements of the J1 visa.

  • Other types of visas, such as the Schengen visa for European countries, have their own set of insurance requirements. In any case, it is best to contact your embassy for a checklist of insurance requirements you need to meet before seeking an acceptable plan.
  • Tip: Contacting your insurance company directly once you have a list of requirements is a very good way to ensure that your plan will be accepted. These professionals can address each of the requirements to suggest an appropriate plan and answer any questions you may have in the process.

Step 2. Review your school’s requirements

The next step in finding an international student health insurance plan is to contact your school to verify the insurance requirements they already have in place. Often this information can be found on the school’s website, but the international affairs office should also be able to guide you in your decision-making process.

You will usually encounter one of the following scenarios:

  • Your school has established insurance requirements with an option to waive them.
  • Your school has a group insurance plan that cannot be waived.
  • Your school does not have insurance requirements at all, so you can choose any plan you like.
  • Some of the most common requirements that schools ask their students to have are emergency medical evacuation services, repatriation of remains, and hospitalization. However, insurance requirements vary greatly from school to school, sometimes even from campus to campus.

It is also important to take into consideration the cancellation conditions for any insurance plan you purchase. In the event that your school decides not to accept your plan, it is important to know how many days you have to cancel, what your refund would be, and whether you would have to pay cancellation fees. Our Student Secure plan offers a full refund, as long as it is cancelled before the effective date of the policy. Want to know more? Be sure to check out the autoverzekering in The Netherlands.