Universities in the USA require all foreign nationals to buy a goodly coverage for medical emergencies. Universities provide the guidelines ? what are the conditions that ought to be covered, what would the premium cost be for the coverage you seek, a list of reputed insurers and so on.
Most universities require a student to be covered for a medical maximum of $200,000 to $300,000 per injury or illness. There are several policies that suit the unique needs of medical insurance for international students.
In the absence of university guidelines, go over the policy with a fine-toothed comb. Hire an insurance expert and ask questions till you are sure that the insurance for international students policy you are about to buy is what you need.
One way of doing it would be to get a state-specific list of the 25 most common procedures for where you plan to study. Many states in the USA are required to have one such published list. The list gives a fair estimate of the comprehensive costs for various procedures.
For example, you might have to part with as much as $5000-$8000 for just an overnight hospital stay, everything else extra. An actual procedure, for an appendectomy, would touch $18,000; heart surgery would cost five times as much.
These costs would cover you alone. However, if you are male, and traveling with spouse or partner, pregnancy is a huge possibility. Every pre-natal appointment is in the vicinity of $200, excluding tests and medicine. An ultra sound test can go up to $1000. Pregnancy for a spouse has to be covered even before conception; this will ensure coverage for maternity and childcare, extra premium for c-section, no coverage for post-natal complications, in most cases.
An unmarried partner is not covered at all, pre or post-partum, but may be added to the list once married. Even then, post pregnancy complications would still not be covered. Do realize that covering your spouse in addition to yourself is expensive, but necessary.
A prudent course of action is to insure yourself for about $500,000; more, if you have a partner. Do this after a careful study of the insurance for international students plan. Treatment by doctors and hospitals on the network will make direct billing possible; hence you will be saved considerable financial strain. However, with out-of-network hospitals, track every single operating and non-operating expense in order to make accurate claims.
Most universities require a student to be covered for a medical maximum of $200,000 to $300,000 per injury or illness. There are several policies that suit the unique needs of medical insurance for international students.
In the absence of university guidelines, go over the policy with a fine-toothed comb. Hire an insurance expert and ask questions till you are sure that the insurance for international students policy you are about to buy is what you need.
One way of doing it would be to get a state-specific list of the 25 most common procedures for where you plan to study. Many states in the USA are required to have one such published list. The list gives a fair estimate of the comprehensive costs for various procedures.
For example, you might have to part with as much as $5000-$8000 for just an overnight hospital stay, everything else extra. An actual procedure, for an appendectomy, would touch $18,000; heart surgery would cost five times as much.
These costs would cover you alone. However, if you are male, and traveling with spouse or partner, pregnancy is a huge possibility. Every pre-natal appointment is in the vicinity of $200, excluding tests and medicine. An ultra sound test can go up to $1000. Pregnancy for a spouse has to be covered even before conception; this will ensure coverage for maternity and childcare, extra premium for c-section, no coverage for post-natal complications, in most cases.
An unmarried partner is not covered at all, pre or post-partum, but may be added to the list once married. Even then, post pregnancy complications would still not be covered. Do realize that covering your spouse in addition to yourself is expensive, but necessary.
A prudent course of action is to insure yourself for about $500,000; more, if you have a partner. Do this after a careful study of the insurance for international students plan. Treatment by doctors and hospitals on the network will make direct billing possible; hence you will be saved considerable financial strain. However, with out-of-network hospitals, track every single operating and non-operating expense in order to make accurate claims.
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