5 best and cheapest international health insurance plans for students, teachers and scientists. Whether you are studying abroad, taking an exchange program, or graduating from a university or school abroad, you need to have health insurance. The listed options are suitable for J1, F1 or Schengen visas.
These days, it’s easier than ever for students to study abroad and earn a full (or partial) degree from a foreign school or university.
But of course, the anxiety of moving, settling in, and adjusting to a lifestyle and culture different from your own can be unbearable… and there are plenty of little details you need to take care of.
1- Medical Benefits for Students: IMG International Student Insurance
IMG’s Comprehensive International Student Insurance Plan, Student Health Benefits, designed for international students and academics enrolled in long-term educational programs. It is also available to groups of five or more students or scholars. This is an international student annual revolving insurance plan that is flexible and flexible and offers global benefits and medical assistance available 24 hours a day.
Student Health Advantage is a solid plan that includes maternity benefits, mental health, organized sports, and international emergency care. It provides coverage in the US through the UnitedHealthcare Options network and internationally through the extensive IPA IMG network. Wherever your studies take you, this IMG International Student Insurance plan will give you peace of mind when it comes to your health.
2- International Health Insurance for Cigna Global Students
Cigna Global, one of the world’s largest health insurance companies, has an outstanding reputation in the healthcare industry. Offering plans for commuters, expats and of course international students.
Cigna Global offers 3 main plans: Silver, Gold and Platinum. The plans cover the entire world, with the option to include or exclude the United States.
Cigna allows you to create a flexible plan by adding additional modules to your insurance, such as:
Include dental and eye care
International evacuation and crisis assistance
The company also has a flexible payment policy, offering multiple payment options such as yearly, monthly and quarterly.
3- Allianz Worldwide Care
health insurance provider. They specialize in both short and long term care, making their products ideal for US expatriates and overseas professionals who take short trips abroad. Getting coverage through Allianz is simple and straightforward.
There are three main plans and several additional add-on plans that you can add for coverage tailored to your specific case. In this review, we will discuss Allianz coverage types, advantages and disadvantages, and see how it compares to its main competitors.
4- Foyer Global Health
As overseas health insurance specialists, Foyer Global Health primarily provides long-term health insurance to individuals, families and groups in most locations around the world.
It also offers short term insurance solutions through its Protect product line.
Long-term health insurance solutions at Foyer include the following plans:
Essential (inpatient and outpatient coverage)
Special (full coverage including health, dentistry and maternity)
Exclusive (first-class medical insurance covering almost everything)
Foyer’s Essentials has a $1,000 annual outpatient deductible and is more competitive than other inpatient-only plans in most areas.
However, unlike some other international health insurance providers, Foyer’s health plans are not flexible. For example, you cannot add additional benefits such as dentistry or maternity.
The only adjustments available are for deductions for outpatient care and additional ancillary services. However, standard 24/7 emergency assistance is already included in all plans.
Foyer Plans offer unlimited inpatient and outpatient coverage with no cumulative yearly limits.
Of course, some sublimits apply for some benefits, but in general your treatment will be covered, especially for general outpatient care, without worrying about annual limits.
In addition, as of 2020, all health insurance plans include a free optional telemedicine service, which is an online consultation provided through Teladoc Health.
5- StudentSecure Insurance by HCCMIS
Student Secure is an international student health insurance designed to meet the needs of full-time students and academics studying outside their home country. We offer four levels of coverage – Elite, Select, Budget and Smart – so you can choose the plan that best suits your customer’s needs and budget.
All four levels of the plan meet or exceed most state and visa requirements, including the J-1 visa requirements. (Please note that health insurance is not required for an F-1 visa.)
Student Secure plans also meet the needs of many schools.
I know dealing with health insurance can be tricky, so if you have any questions about which plan is best for you or how any of them work, let us know in the comments below!