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Monday, May 25, 2009

Medical Insurance For international Students

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 medical insurance is a must for every international student as it protects them from unfortunate events and also gives them peace of mind. Students covered by international student medical insurance can find the right doctors and hospitals very easily by accessing the affiliated PPO network. In addition, going to the providers that are part of the PPO network allows for direct billing. Thus high bills would not have be paid up front by the student.

There are state specific rules and policies regarding international student insurance. Many colleges and universities in the United States, require their students to show proof of financial ability prior to enrollment. University-based insurance that is available is typically costly.

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 many international student medical insurance policies that can meet all the requirements and are cost effective. For as little as $50 your unexpected medical expenses can be covered. The International Student Office in your university can help you ascertain that all the insurance specifications of the university have been met.

Invest the time and select your insurance plan sensibly. There are insurance for international student policies galore from financially sound companies like Lloyds, Nationwide and AIG.

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.

Benefits from different policies should be contrasted, so that the one that meets your school?s guidelines can be chosen. An insurance agent can throw light on various aspects of each policy to help you choose. Register for international student insurance to take the risk out of any sicknesses or accidents that could take place.

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