The best health insurance companies for international students in the United States:
The best health insurance companies move on to the finest health insurance options for foreign students attending high school, college, or participating in an exchange program in the United States.
As always, I advise you to request an online quote from each of the businesses listed below. Although I am aware that it can take some time, the money you will be able to save in the end will make it reasonable.
IMGlobal:
IMGlobal has 3 different plans for students:
- The Patriot Exchange Program
- Student Health Advantage
- Health Advantage Platinum
The Patriot Exchange Program :
This health insurance program was created especially for international learners holding any of the aforementioned visas. If your family members are in possession of an F-2, M-2, or J-2 visa, you can additionally include coverage for them with this plan.
From $50,000 to $500,000 is the range of maximum coverage limits you can select for each accident or illness. The COVID-19 and medicine costs may be covered by this plan in the future for non-emergency circumstances.
Student Health Advantage:
There are two major advantages to this specific approach. The first is that you may choose between individual and group plans and that it is an international health insurance program that is also available to students studying in Europe.
The second benefit is that IMG’s Student Health Advantage covers issues that many of the competition do not, including existing ailments, prenatal care, medicine, and costs associated with COVID-19.
Student Health Advantage Platinum:
The improved Student Health Advantage Platinum plan is what its name suggests. The maximum coverage is increased to $1,000,000 USD, in addition to the advantages listed above.
What I liked most about student health insurance with IMGlobal:
- Plans have been developed specifically for foreign students enrolled in the US on J-1 or F-1 visas.
- Additionally, they offer programs that cover students in European nations who possess Schengen visas.
- More than 17,000 doctors from all over the world are part of the IMG network.
- Any nationality can obtain coverage as a student.
- In case of crises, they offer client service around the clock.
- Plans for groups of five or more persons are available.
- It pays for any COVID-19-related expenses in a manner comparable to other illnesses and injuries.
What I liked least about student health insurance with IMGlobal:
For students who will only be in the nation temporarily, some of the plans don’t cover previous medical histories or only do so after a one-year waiting period.
Cigna Global:
One of the biggest health insurance providers in the globe is Cigna Global. the fact Whether you’re coming on a J-1, M-1, or F-1 visa, you may still utilize them for complete medical coverage as a student even though they don’t have plans designed exclusively for students.
The fact that you can use this plan for health insurance coverage outside of the United States is another appealing feature. In other words, while participating in an exchange program in the United States, your Cigna plan will provide medical coverage even if you go to other nations (such as Canada, Mexico, etc.)
What I liked most about student health insurance with Cigna:
- Flexible deductibles allow you to choose how much you pay upfront.
- Monthly, quarterly, or yearly installments are all acceptable.
- Their plans provide coverage for you outside of the United States as well.
- The majority of the time, Cigna pays the healthcare practitioner directly for your consultation so you don’t have to ask for reimbursement.
- 3 plans are available for selection: Platinum, Gold, or Silver
- 24/7 customer service is available.
- They offer comprehensive online support, which includes a list of more than 3,000 organizations where you may receive care.