Maintaining Health While Studying in USA

There are many worries when moving abroad. For example, what if we fall sick, or when valuables are stolen. Unfortunately, it is possible for these things to happen in our lives. So, it's very important that we think about countermeasures - just in case.

United States Health System

In the United States, medical care is not fully subsidized by the government. Some of the care is subsidized by companies for their employees. The cost of medical care in America is very high. So it's a good idea to have health insurance if at any time you need medical treatment, such as CAT scans, MRI tests, and others. Insurance premiums are paid monthly. The size of the premium depends on the type of insurance and insurance dependents.

The Incurred

Students on F1 student visas are not required to have full health insurance. But the majority of students studying in the United States are required to have health insurance according to the standards set by the university. Ask for complete information about this from your university, because usually if you do not meet the requirements, you will not be allowed to apply.

Different universities in different states have different requirements for student health insurance. This information should be available on the university's website, or on International Student Insurance.

Once you are certain about the health insurance requirements that your university requires, check the costs and what the insurance covers. The following are insurance companies with good reputations: ISO or InternationalStudent Insurance. You can compare it to the American Visitor Insurance website.

Those who are under treatment are usually charged a higher premium. Or the coverage period is postponed by 12 months after signing the insurance contract.

Once you have health insurance, keep your documents properly. In America, if you need medical treatment, you must show proof that you are covered by insurance, as this will affect the treatment you will receive.

Insurance

In addition to health insurance, ownership insurance is also important. Ownership insurance can minimize your loss if your item is damaged, lost, or stolen. Especially if you live in a communal area, with people you don't know, of course, the risk will be greater. Usually, the university is aware of this and includes the cost of ownership insurance in the cost of accommodation. Before signing the agreement, you should research what is covered in the insurance.

You can also be covered under your parents' ownership insurance. You can compare which cost is higher. But it is preferable to have your own insurance in your name while in America for the convenience of the insurance claim process.

Before signing an insurance contract, carefully read the terms and conditions that apply. Make sure you are clear about what is covered and what is not covered in your contract. Before filing an insurance claim, calculate whether the amount of your loss is equivalent to the costs you must incur to file a claim.

Keep your agreement documents properly, and make sure the validity date has not expired.