Finance

International students’ alternative insurance considerations

 If you have successfully applied to a US university (Also known as美国留学), then the purchase of international student insurance (also known as 留学生 医疗保险)must be an essential requirement for the school to protect you. Many schools automatically include international students in group medical insurance plans, but if you can provide an alternative insurance policy, you can also opt out of school. If you decide to replace the school’s international student insurance, you will not only be surprised to find the international student insurance that is unique to you, but also inexpensive: insurance services are more in line with your requirements, and you can save at least a thousand dollars in one semester! !

International students’ alternative insurance considerations

o Meet the minimum requirements for school insurance replacement

Schools generally allow students to purchase off-campus insurance and replace the school’s collective insurance. However, specific requirements for alternative insurance plans will be made in the Waiver Form. Please read them yourself and pay attention to the application time.

o Personal requirements

Whether an individual has a pregnancy plan, mental illness, alcohol abuse history, original disease, and planned to participate in sports, these specific requirements will affect the choice of insurance companies.

o Claims process

Generally speaking, the US insurance company claims are unchanged from the domestic claims company.

o Customer service

Is there a 24-hour customer service? Do you provide native language customer service? Is there free customer service?

Health insurance is very important in the US. Many schools require F-1 students to buy health insurance (also known as 留学生 保险). You are also recommended to buy health insurance after graduation, such as opt insurance (also knowns as opt保险). Some employers provide health insurance with employees. Remember to ask for your employer about health insurance before accepting an offer. The most common and traditional way to convert a student visa to a work visa is to apply for an H-1B visa. Since the H-1B visa application (also known as h1b 申请) and the H-1B lottery procedure (also known as h1b 抽签) are very complicated, you should always consider hiring an immigration lawyer (also known as 纽约移民律师) when you apply for an H-1B visa.