What medical insurance to review in america?

Being accepted to study at an American university is a dream for many young French people who see this as an important international opening in their curriculum, and with good reason. If it’s a big adventure, it’s prepared well in advance, on several levels, including health insurance. Our edition was to get to know EuropUSA, which for 20 years has supported thousands of people in their expatriation to the United States. Thanks to quality guarantees, solid guarantees and important partners. Given the very high medical cost in the United States, it is essential to prevent any risk through health insurance contracts for international students living in the United States. Here’s what you absolutely need to know before crossing the Atlantic to study in Uncle Sam’s land.

How safe to study in the United States?

It is the F1 visa that is granted to most international students who wish to study in the United States. Once the visa is approved, the student can arrive in the United States up to 30 days before the start of the academic year, and must keep the visa throughout the period of study and leave the country within 60 days after the end of the course. All US universities require their students to provide proof of medical coverage for the duration of their studies in the US. Some institutions will require all their international students to have school-sponsored insurance coverage, while others will allow these students to purchase insurance of their choice. Even if the university offers insurance by default, it is always possible to waive this obligation if you can guarantee that the insurance you have taken out meets the conditions required by the university. It is, then, a matter of attesting to it through a “waiver” and a certificate from your insurer detailing the insurance guarantees. Regardless of a school’s health insurance requirements, it should never be forgotten that adequate insurance is the only way to protect against unexpected medical bills.

The US Department of State requires that J-1 visa exchange visitors and their J-2 visa dependents be covered by medical insurance for the duration of their program. The Department of State requires specific safeguards for students on a J-1 visa, but not for students on an F-1 visa, unlike universities. Some international students may mistakenly believe that health insurance is the same as in their home country, not realizing that there is no national or free health care in the United States. While in many countries the government covers the cost of health care for its citizens, in the United States students and their families are responsible for these costs. A French student, for example, is used to having the opportunity to go to any local hospital to get covered treatment, whereas in the United States, that same student will have to know the hospital where he can get it. treat according to your insurance coverage.

EuropUSA, specialized in insurance in the United States for more than 20 years, offers through the Gold Student contract different levels of student insurance guarantees for the United States and for interns. ” In the United States, your American university may require specific criteria. In this case, it is Student Global insurance that you will need to take out”, explains the health insurance specialist in the United States. Global student insurance is for all French students going to study in the United States. It provides for reimbursement of medical expenses at 100% of actual expenses and without deductibles, 100% of inpatient expenses, 100% of current medical expenses such as consultations, pharmacy, laboratory expenses, imaging, etc. But also coverage of dental, optical and preventive care, assistance and repatriation, as well as civil liability ”explains EuropUSA.

Demanding American Universities

In fact, many American universities require minimum criteria for international student insurance, such as medical benefits of at least US$500,000 per accident or illness, payment for the repatriation of bodies to the country of origin, in the event of death, in the amount of US$ 25,000, payment for medical evacuation – transportation to the country of origin on the advice of the attending physician – in the amount of $50,000 or a deductible not exceeding $500 per accident or illness. In addition, other US universities require specific student insurance, including mental health coverage, maternity coverage, and prescription drug coverage.

Student Global insurance makes it possible to meet these very high conditions and, if this is not the case, the insured is reimbursed. Student insurance in the US easily costs $3,000 per year when the full Student Global contract price is less than €1,000 per year. The acceptance rate is nearly 98% of American universities that students attend in the US. ” In case of hospitalization, the insurance pays the costs directly to the hospital and you do not have to advance any costs according to the contract conditions. We have a US calling phone number and US care management platform, which many US universities require for international student insurance concludes EuropeUSA.

The undeniable advantages of Student Global insurance: it offers a reduction of at least 50% or even a price three to four times cheaper than the insurance of American universities, it is valid insurance for students up to 35 years old and for stays of a few months for several years, it offers international coverage, including in France during temporary returns. Finally, it provides an address and support platform number in France and the United States, as required by American universities.

To subscribe to Student Global insurance

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