When making a determination as to how much international students insurance coverage one needs, it must be taken into account that there is no way to accurately estimate the costs of any medical treatment that may be required. It is best to make a generous estimate.
One of the most expensive medical costs for visitor medical insurance is hospital stays. This cost may start at $2,500 per day and higher. However, this estimate is only for general hospital stays and no intensive care treatment. Stays as brief as a few days could easily cost a patient $35,000 or more.
This $35,000 cost would not include any treatments or surgeries which one may go through during the hospital stay. A heart surgery would cost over $100,000. This is a fairly rare occurrence for people on vacation, however, such things can occur. History indicates that such event indeed occur.
Because of life threatening situations, emergency procedures and associated huge expenses are incured by travelers since treatment cannot be put off. One will not be in a medical condition to go back home for treatment. Traveling is stressful and this stress can lead to all kinds of un-expected medical problems.
Treatment for conditions which arise as a result of heart attacks or strokes will run in the thousands and tens of thousands of dollars. Combined with an expensive hospital stay, one can see how the cost would easily add up.
For young people, a good number to start with for insurance for international students is $500,000. This is a good number for people who are healthy and do not expect any problems. A traumatic accident may happen, but this number should cover most care required for young healthy people.
Older travelers or those with health problems present more of a challenge. Senior plans typically place coverage limits at $100,000. Thus, seniors should invest in the maximum coverage available for their group. Occasionally, travelers in the 70+ age group may be limited to a total of $50,000 in coverage.
A traveler?s health and age should be simultaneously considered when choosing coverage limits. Customers should consider the possibility of extreme medical costs in the case of an emergency, and invest in the plan they can afford accordingly.
One of the most expensive medical costs for visitor medical insurance is hospital stays. This cost may start at $2,500 per day and higher. However, this estimate is only for general hospital stays and no intensive care treatment. Stays as brief as a few days could easily cost a patient $35,000 or more.
This $35,000 cost would not include any treatments or surgeries which one may go through during the hospital stay. A heart surgery would cost over $100,000. This is a fairly rare occurrence for people on vacation, however, such things can occur. History indicates that such event indeed occur.
Because of life threatening situations, emergency procedures and associated huge expenses are incured by travelers since treatment cannot be put off. One will not be in a medical condition to go back home for treatment. Traveling is stressful and this stress can lead to all kinds of un-expected medical problems.
Treatment for conditions which arise as a result of heart attacks or strokes will run in the thousands and tens of thousands of dollars. Combined with an expensive hospital stay, one can see how the cost would easily add up.
For young people, a good number to start with for insurance for international students is $500,000. This is a good number for people who are healthy and do not expect any problems. A traumatic accident may happen, but this number should cover most care required for young healthy people.
Older travelers or those with health problems present more of a challenge. Senior plans typically place coverage limits at $100,000. Thus, seniors should invest in the maximum coverage available for their group. Occasionally, travelers in the 70+ age group may be limited to a total of $50,000 in coverage.
A traveler?s health and age should be simultaneously considered when choosing coverage limits. Customers should consider the possibility of extreme medical costs in the case of an emergency, and invest in the plan they can afford accordingly.
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