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Saturday, May 23, 2009

Why International Student Medical Insurance

By Ray Sondeo

Living in a foreign country is exciting- people of different origin, cultural background and way of life. However, unexpected accidents or illnesses can occur without warning. These accidents are not limited to the university alone. When you finally complete your education and start working, various accidents or sicknesses can come when you least expect it.

Investing in international student insurance should not be avoided as the benefits outweigh the costs by far. Finding a doctor or clinic in a new country will not be daunting as the insurance plan typically will have a PPO network that the student can tap into. Going to an in-network provider will make it more possible for the insurance company to be billed directly. This way, you will not have to pay upfront or have to worry about finding cash urgently.

Most states in the country have specific rules that have to be followed for international student medical insurance. A majority of universities and colleges require the student to prove that they can finance themselves before registration. Insurance offered by the school is often available but pricey.

When a student?s finances are strained, students tend to opt out of their University based insurance because they cannot afford it. It is sensible to look at affordable medical insurance for international students from other well known insurance organizations. In such situations, a waiver form from the university can be completed by the insurance provider.

There are several providers of international student medical insurance that comply with the all the required standards. These plans also offer very affordable coverage. For as low as $50 you can begin your medical insurance coverage and let your insurance plan take care of your unexpected medical emergencies. You could seek the help your International Student Office in confirming that the insurance plan you choose meets the university?s requirements.

As an international student seeking medical insurance, make sure that you choose wisely. There are several plans from reputed insurance providers like Nationwide, AIG & Lloyds that provide medical insurance for international students.

Once your coverage begins, expenses incurred by doctor visits, surgery, hospitalization and prescription drugs will be taken care of by your international student insurance. Other benefits such as accidental death and dismemberment, repatriation of remains and emergency evacuation will also be available.

You can compare the various plans and find one which complies with all your university requirements. A knowledgeable insurance agent can also be helpful. Enroll for international student medical insurance and be protected against any injuries or illnesses that might occur.

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