IvoryscholarshipFor international students studying in the USA, the most important thing is to choose the right health insurance. Here are a few recommendations for medical insurance for international students:
- ISO Student Health Insurance:
This is an insurance plan designed specifically for international students that provides comprehensive medical coverage, including the options for outpatient, inpatient, and prescription drugs. - IMG (International Medical Group):
IMG’s Student Health Advantage plan is designed specifically for international students and offers extensive coverage with worldwide coverage, emergency services, and more. - Compass Student Insurance:
Designed specifically for international students in the USA, it covers accidental injury, emergency and hospitalization and is suitable for students with a limited budget.
When you choose an insurance policy, you should make comprehensive considerations based on your health condition, school requirements and budget to ensure that the policy you choose provides adequate coverage.
Can I buy SM insurance during OPT?
SM insurance is an international student health insurance program. The students with F1 visa and J1 visa are eligible to buy SM insurance. The OPT students can also buy SM insurance, and there is no credit requirement during OPT.
If F1 and J1 students take out SM insurance, they can also take out SM insurance for their dependents (F2 and J2). If you need it, please contact SM insurance customer service for details.
SM insurance requires a minimum of 90 days and a maximum of 1 year. So you can choose the insurance period according to your needs.
The procedures of health insurance and claim
After choosing a health insurance plan and paying the premium. The insured will receive a health insurance card from the health insurance company. The card will contain information such as the insured’s name, sex, age, address, insurance number and expiration date. Also include name and telephone number of the insurance company. And usually a telephone number that can be used in case of an emergency.
When an insured person seeks medical treatment for an illness or injury. He or she must notify the insurance company as soon as possible and request a Claim form. The Claim form usually has two parts, one to be filled out by the policyholder and one to be filled out by the doctor or treatment facility. The insured person should fill out the part that needs to be filled out by him/herself. Then send it to the clinic or hospital where he/she is being treated to fill out the other parts, and then mail it to the insurance company.
It is important for the insured to provide complete and correct information. Otherwise the insurance company will not be able to evaluate the application for insurance payment. Sometimes the insurance company may request further information from the policyholder or the doctor. And the policyholder must also respond as soon as possible in order to complete the insurance payment procedures. When it comes to payment of medical bills, some doctors will ask for payment directly from the insurance company.
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