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Sunday, May 17, 2009

International Student Medical Insurance Claims Settlements

By Ray Sondeo

Being hospitalized without having disposable cash can be hard. Most of the time hospitals do not accept insurance identifications- they require patients to make payments upfront.

International students can struggle with their hospital bills if their insurance provider not allowing direct cash-less settlement of claims. Please read further to understand this important feature of Foreign Student Medical Insurance.

Cashless claims settlements enable foreign students to be treated at hospitals and facilities by just showing their medical card. Through cashless settlements, your foreign student health insurance provider will settle the bill directly easing you the financial burden.

International Student Insurance companies offering direct cash less settlements have the ability to work directly with all service providers ? ambulance company, surgeon, doctors office etc. They can even pre-arrange for services. Besides, there is no additional fee for direct cashless settlements.

Insurance companies typically maintain a preferred list of hospitals for direct cash-less settlement of claims. The same type of claims settlement is available for doctor office visits as well; in other words the insurance company can settle the bill directly with the doctor?s office.

The no age limit policy of some insurance companies with direct cash less claims settlement is also a plus. Through this, international students and their dependents can avail of the service easily with no additional or hidden costs.

While choosing your Foreign Student Medical Insurance make sure direct cash-less settlement of claims is offered with your foreign student health insurance. This is in an important feature that is often overlooked by those new to the US. Seek the help of a good agent in finding an affordable plan.

Your International Student Advisor at the University or College can sometimes help you in selecting an appropriate plan. The University may require certain insurance waiver forms to be completed by the insurance company.

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