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Health

How do Chinese students choose the most suitable medical insurance?

Health insurance is very important in the US. Many schools require F-1 students to buy health insurance (also known as 美国医保). You are also recommended to buy health insurance after graduation, such as opt insurance. The one is ideal for international student to purchase is Huhu Insurance (also known as 虎虎保险) Some employers provide health insurance with employees. Remember to ask for your employer about health insurance before accepting an offer. Since the H-1B visa application 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 移民律师) when you apply for an H-1B visa (h1b签证). In this article, we will introduce how to choose insurance if you are under F1 visa.

The school requires students to provide medical insurance certificates when registering each school year, otherwise they cannot register, which means that the students are mandatory insurance. For international students with F-1 visas, the first choice is definitely to participate in the school’s student medical insurance plan, which is to learn

The school provides an exclusive insurance plan for students in school. What do you think about this type of insurance first?

First, schools generally choose to work with reputable insurance companies. The coverage of insurance plans is more comprehensive and there are different options. This type of insurance plan is generally used for students who seek medical treatment outside the school, such as hospitalization, specialists, off-campus emergency, prescription drugs, and laboratory tests to help insured students to reimburse some medical expenses. Some student health insurance plans even include dental, eye care, and medical expenses for sudden illness during travel.

Second, the procedure is convenient. Many schools include tuition fees for medical insurance. When you register for payment each semester, you will automatically join the school’s student health insurance plan. It is also a happy thing to not have to face an extensive insurance plan. Third, the price is reasonable. Due to the younger age and health of the students, the insurance premium for student medical insurance is relatively low. In addition, most schools have on-campus clinics, and the cost of medical treatment at school is much lower than that of regular clinics. This is very cost-effective. Fourth, there is no pre-existing condition concern, is whether you have a disease before purchasing insurance. If you buy medical insurance as an individual, you may have a medical examination. Check your physical condition first to determine the price of the insurance. Or you will be deducted from the insurance section because of your medical history at the time of final payment. For students with a history of illness, it is undoubtedly the safest and most reliable to insure at school.

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