Whether studying in the United States, travel or immigration insurance must be essential.

Medical insurance for American students.

To study in the United States (F- 1) or to be a visiting scholar (J- 1) generally requires medical insurance. Most schools in the United States can only register if they provide medical insurance certificates. It also stipulates that visiting scholars with J visas and their families must have medical insurance during their stay in the United States, otherwise they may be required to leave the country.

Most schools in the United States provide students with collective medical insurance. Students can also choose to buy their own medical insurance outside the school. Since 20 14, the Patient Protection and Affordable Care Act has been fully implemented in the United States. This bill also has a great impact on American student health insurance. Here is a detailed introduction to the medical insurance for American students.

1, collective medical insurance for American school students

International students and scholars studying in the United States (F, J, M, Q and other visas) can usually participate in the student health insurance plan provided by the school. The list of general tuition fees includes students' medical insurance premiums. If you register for payment every semester, you will automatically join the school's student medical insurance plan.

If you decide not to participate in the school's student collective medical insurance, you usually need to apply for giving up the student medical insurance within the date stipulated by the school and get the approval of the school.

This kind of student medical insurance plan, most American universities will choose one or several reputable insurance companies to provide students with collective medical insurance, and provide students with student health insurance according to the agreement between the school and the insurance company.

Of course, the scope of medical services and insurance costs covered by the student medical insurance plan of each school are different. Starting from 20 14, students' medical insurance must meet the standards stipulated in the Patient Protection and Affordable Care Act (PPACA). Students can buy such insurance for themselves and their families at school. You can also buy medical insurance that meets the minimum standards of the school at an off-campus insurance company.

The student medical insurance plan is generally used for students to seek medical treatment outside the school, such as hospitalization, specialist, off-campus emergency, prescription drugs, laboratory tests, etc., to help insured students reimburse some medical expenses. Some student medical insurance plans also include dental insurance, vision insurance and medical expenses for emergencies during travel.

The insurance recommended by the school is more reliable, the premium is usually lower than the market price, and the claim is settled quickly, which is especially suitable for freshmen. If you want to have other options, wait until you are familiar with the environment, and then consult a more experienced senior. Most websites or forums organized by students' union will also have corresponding information, so you can compare and refer to them yourself.

Of course, you must choose according to your actual situation and needs. In addition to the premium, we should also pay attention to the insurance coverage, security content, diagnosis and treatment restrictions, cost sharing, exclusions and other items, as well as whether there is flexibility in transferring schools and using them across States.

In addition, we should pay special attention to whether the medical insurance date includes school holidays. If the school insurance does not cover holidays and you have to stay in the United States during the holidays, you have to buy another insurance to ensure the need for medical treatment during the holidays.

2. Medical expenses of student health service center

American universities generally have university health services, which provide basic medical services such as outpatient service, emergency service, laboratory examination, health consultation, psychological consultation and vaccination for all registered students. Some schools also have pharmacies.

Doctors here act as family doctors for students, and common diseases and injuries can be solved here. The school also provides various free health education and psychological counseling services. Therefore, in addition to participating in student medical insurance, these schools also require students to pay campus health service fees when registering, so as to use the basic medical services of clinics on campus for free.

The on-campus outpatient services open to students in different schools are different. The details can be learned through the student health service center of the school.

3. Medical insurance for international students during their graduation internship.

International students with F- 1 visa can stay in the United States for about one year and attend Optional Practical Training (OPT) if they get permission from USCIS after graduation.

Some schools allow international students during the OPT internship to continue to participate in the school's student medical insurance plan (about one year), and international students can contact the school to extend the student medical insurance before graduation. Some schools' student health insurance does not accept OPT students.

Some students' internship units may provide medical insurance for international students. But most companies will not provide medical insurance for interns. In this case, it is recommended that you buy commercial medical insurance.

4. How do families of international students participate in medical insurance?

If the spouses and/or children of foreign students come to the United States at the same time, they can ask their own schools whether their families can participate in the school's student collective medical insurance plan as immediate family members.

Some schools' student medical insurance plans allow family members to participate. The insurance premium of family members is generally more expensive than that of students. Some schools' student medical insurance plans do not accept applications from family members.

Spouses and children of international students, or parents and relatives visiting relatives in the United States, can also apply for travel medical insurance in the United States, which can be guaranteed in case of medical and travel accidents. The cost of travel medical insurance in America is not very high either. According to different conditions such as age and physical condition, it is as low as one dollar a day, but the coverage is much higher than that in China.

Matters needing special attention

1. Keep the insurance card properly.

After the international students get medical insurance, the insurance company will provide medical insurance cards. The insurance card contains information such as the name, gender, age, address, insurance number and expiration date of the international students, as well as the name and telephone number of the insurance company, and usually the emergency telephone number.

Generally, before seeing a doctor, a clinic or hospital should first register the patient's medical insurance information. Many doctors or hospitals may refuse to accept patients if they cannot provide medical insurance certificates. Therefore, foreign students should take care of this insurance card and carry it with them.

2, matters needing attention when out of danger

Once an international student is in danger or encounters an accident, he/she should inform the insurance company in time, and collect and keep the on-site evidence, hospital diagnosis certificate, original receipt of medical expenses, accident certificate of relevant departments, etc. Because most insurances stipulate a certain limit, that is, the maximum amount paid by the insurance company for various medical care services, the expenses exceeding this amount will be borne by the patients themselves.

At the same time, pay attention to your own medical statement and the medical diagnosis records of doctors and hospitals, because everything will be the basis for compensation.

Domestic study abroad insurance can only be used as a supplement.

It is very convenient for people to apply for "study abroad insurance" in their own country, but the insurance coverage is also very low. In case of medical service or rescue, many insurance companies require international students to pay in advance, and the subsequent trial and settlement process will take a long time, and then translation and certification between the two countries will be involved.

Everything has advantages and disadvantages. The key is to see whether universities accept foreign insurance, which depends on the policies of each school.

For example, some universities originally accepted the "medical insurance for international students" provided by international students in advance in their home countries. Later, the State Department of Education changed its tone. Because the so-called foreign student insurance in many countries is full of loopholes, it is "nominally not guaranteed", so all public universities in Quanzhou require foreign students to provide insurance from regular American insurance companies.

Therefore, before applying for medical insurance for international students in their own countries, it is best to confirm with American universities whether overseas medical insurance is recognized, so as to avoid wasting money.

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