Maintaining Your Health While in US

There are many concerns when moving abroad. For example, what if we fall ill, or when valuable items are stolen. Unfortunately, it is possible for these things to happen in our lives. So, it’s important for us to think about countermeasures – just in case.

US Health System

In the United States, medical care is not fully subsidized by the government. Some 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 a CAT scan, MRI test and so on. Insurance premiums are paid every month. The size of the premium depends on the type of insurance and insurance coverage.

Insurance Covered

Students on an F1 student visa 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 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 register.

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

Once you are certain about your university’s health insurance requirements, check the costs and what the insurance covers. The following are insurance companies with a good reputation: ISO or International Student Insurance. You can compare it with the American Visitors Insurance website.

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

Once you have health insurance, keep your documents well. 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.

The Importance of Insurance

Apart from health insurance, title insurance is also important. Title insurance can minimize your losses if your items are 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 universities are aware of this and include the cost of title insurance in accommodation costs. Before signing the agreement, you should research what is covered by the insurance.

You may also be covered on your parents’ title insurance. You can compare which costs are higher. However, it is advisable to have title insurance in your name while in America for ease of processing insurance claims.

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

Keep your agreement documents well, and make sure the effective date has not expired.