ELIGIBILITY CRITERIA FOR INTERNATIONAL STUDENT MEDICAL INSURANCE POLICY
international students insurance plans are designed for those students who leave their home country and travel overseas to pursue their higher studies. It is better to opt for worldwide coverage in these plans to avail best benefits.
The coverage options of the insurance for international students plan range from medical expenses, prescription medication costs, mental health coverage, sport coverage, maternity expenses and also protection during any terrorist attacks. These plans generally meet the conditions of the schools in the US and are approved in almost all countries in Europe and USA.
Your insurance provider can confirm to you whether the school where you have gained admission would accept the medical insurance for international students plan chosen by you. Most of them send you a completed waiver form which you can produce at the Students Medical Centre.
International students insurance plans protect not only the individual who is travelling overseas for studies but also the dependants like the spouse and children. The policy documents of the plan mention clearly the conditions of both benefits and exclusions.
It is also important to note the pre-existing conditions clause of international students insurance plan that you opt for. Most of these plans require a 12 month waiting period for coverage of certain benefits but note that some schools strictly insist on just a 6 month waiting period. In that case, you need to take guidance from your insurance provider and opt for a plan which meets the requirements of the school.
You need to meet certain eligibility criteria to avail the international student insurance plan. For example, you need to be a full-time student or a full-time research scholar associated with an educational university / institution for at least 30 hours a week. A valid educational visa is required as proof by most of the insurance providers.
In the case of dependants, spouse should provide a legal proof of marriage and children should be less than 19 years of age and unmarried to be eligible for the benefits of the international students insurance plan.
The insurance provider should be rated well by AM best rating company to ensure financial stability. It is also important to make sure the company offers round-the-clock-assistance across all countries in case of emergencies.