We are starting a new series of blog posts titled “Study in the USA” and we will be looking at the options and situations international students will face when they are studying in the USA, and what challenges they may come up against with regards to insurance. In this first blog post we will be looking at the largest student visa category, the F1 Visa, and what students need to know about the insurance requirements for this visa.
As an F1 Visa holder, you need to remember that you won’t automatically get health insurance, which means you have to buy insurance yourself. The medical care in the United States is expensive, and can consume most of your budget if anything unexpected happens during your stay in the United States.
Today we will discuss what the F1 Visa is, and give you information about insurance for an F1 Visa holder.
What is the F1 Visa?
The F1 Visa is a non-immigrant visa
held by foreign students who study in United States. If you are attending one
of the following intuitions, you will most likely be on an F1 Visa:
University or college
Private elementary school
Language training program
Other academic institution
There are other visa types that you could be studying under, such as the J1 or M1 Visa, which we will discuss in other blog posts.
How is F1 Visa insurance handled?
There are actually no insurance requirements for the F1 Visa, unlike other visa categories where you have to purchase a certain level of coverage. Therefore, students are just left to themselves to make sure they have coverage in place. In most cases, your school will provide some assistance with this, and how this is handled varies from school-to-school!
How do schools in the United States handle the insurance?
Schools in the United States handle insurance in many different ways. The three most common ways in which schools handle insurance are:
Mandatory school group health insurance plan
Some schools will require
all foreign students to purchase their school health insurance plan, with no
option to waive or purchase another plan. The coverage provided by your school
is often very comprehensive, but on the flip side it can also be very
If your school does
mandate their own coverage, there are a few things to keep in mind:
Make sure your insurance is valid during your
school breaks, and if you travel home. Some plans will not cover this, so you
may need to purchase additional insurance
Ensure there is additional coverage for
evacuation, repatriation, and emergency reunion coverage. Some school plans may
not cover this.
School group health insurance plan with the option to waive
Some schools will require
all foreign students to purchase their school health insurance plan, however
they will give students the option to waive or purchase another plan. To do
this, students will typically need to purchase a comparable plan that will meet
certain levels of coverage, then they will need to complete a waiver form and
submit this to their school so they can waive out of the school insurance plan.
We will talk more
about insurance waivers in a future blog post, and will link that up here when
that is live!
School without group health insurance plan
There are some
schools that don’t provide an insurance plan for their students, but either
suggest some sources where students can purchase a plan, or allow students to
purchase a plan of their choice. Some of them may also have insurance
requirements that you have to meet, and as long as you meet those minimum coverage
levels the school is happy.
Looking for F1 Visa Insurance Options
As outlined above, there are most likely going to be many students who will be looking for insurance coverage for their F1 Visa. If your school mandates their insurance plan, unfortunately you have to purchase their plan, however if they are one of the options outlined in points 2) and 3) above, you now have the ability to look for coverage that suits your needs and budget. +
The good news is that eStudent Insurance is uniquely placed to allow you to search and filter the options you (and/or your school requires) to find the plan to suit your needs. For example, if your school requires that you have maternity coverage, you just need to run a quote and select “Maternity” in the filter options to see the plans that will meet that requirement! Search, compare and purchase insurance today!
We are pleased to announce that our Student Secure plan has been officially updated for the 2019/2020 plan year. The Student Secure is one of our leading international student health insurance plans that provides coverage for students studying in the USA and around the world. The plan comes in 4 levels (Smart, Budget, Select and Elite) providing coverage from $100,000 up to a new high of $5,000,000!
Each year the plan is updated to make sure it provides world leading benefits and pricing, and this year is no different. The main changes to the plan are:
Smart, Budget, Select, Elite Remove Exclusion on self-inflicted/suicide (for medical and repatriation)
Budget Mental Health – Inpatient & Outpatient maximum of 30 days coverage
Select Increase Repatriation – $50,000
Elite Increased overall maximum limit to $5,000,000
To view the plan and the full benefits please visit the Student Secure page for more information, or you can also run a search in our comparison search engine to find the right plan for you:
eStudent Insurance is an online international student health and travel insurance comparison search engine.
What does that actually mean?
In a nutshell, eStudent helps you buy insurance!
Obviously we do a lot more than just than, but in its most simplistic form that is our aim. We want to make the process of buying your health and/or travel insurance coverage as easy as possible and give you the options that are going to fit your needs. Oftentimes the insurance buying process, especially when you are traveling internationally, can be hard but we want to make it as clear and simple as possible.
Who can purchase our plans?
Although we have student in our name, we actually cater to both students and non-students. There are some plan options that are available just to students, so when you do run a comparison make sure you check if you are student or not so that we can filter the plans appropriately.
How does eStudent Insurance Work?
The site has been developed to ask you a few simple questions, and then with our algorithm, we provide you with the best solutions to fit your specific needs. You can then refine those options to find the plan and/or plans that are right for you, and then of course purchase them instantly right online. You can see our previous blog post for a more in depth review of how the system actually works.
Why is eStudent Different?
We want to make the process of researching and purchasing your insurance coverage as easy as possible. That is why we do a few things a little differently – they are:
Clear Wording – For all our products we sell, we have a dedicated section on our site listed “Products”. Here you will find the a section for each plan that we sell, and in there is a page of the benefits of the policy, a page of the plan exclusions and then a page listing out the premiums. We also clearly list the plan brochure and certificate for each plan, so you can see what each plan covers and does not cover!
Service and Support – If you ever have a question about any of our plans, or would like further help in choosing a plan, you can contact us via phone or email and our friendly customer service team will help you understand what options are right for you!
Dedicated to Students – Unlike many of the insurance comparison websites out there, we are dedicated to students. While some of our plans are available to non-students, some of them are exclusively designed for students and can only be purchased by full-time students!
For more information about our plan options, run a free quote, or contact our team for more information!
eStudent lets you find, compare and purchase insurance coverage for both students and non-students online. Our site has been developed from the ground up to be easy to use, and easy to purchase coverage right online. We have curated the best insurance plans for students and travelers, so you can search, view and compare all your options in one place.
Searching for Plans
To start the search process, you will need to head over to our homepage, where you will see the search tool front and center of the site:
You will then need to answer a few simple questions:
Are you residing outside the USA currently? Yes or No
What is your country of citizenship?
What is your primary destination?
If you select the USA here, you will then need to select the State in the USA you will be traveling to.
Coverage start date
Coverage end date
Date of Birth
Are you a student? Yes or No
With that data entered into the tool, you will then need to hit “Get Quotes” and you will be taken to our comparison page:
Reviewing Plan Options
Once you have entered all your personal travel/study details into the tool, you will see the results page that will allow you to compare all the different options available to you. Each individual plan will look like this in the results page:
You can also click on the “View Benefit Summary” link on each plan to view further details about the plan:
You then also have the option to compare plans side-by-side, and you do this by selecting the small compare check box on the plans that you want to compare:
and then hitting the big red compare button in the top right!
You will probably want to refine your search results, as this is often the best way to get the options that fit into your specific needs. The filter options appear on the top right:
You have the option to filter by:
Do you need coverage for dependents? Some plans offer coverage and many do not.
Do you need maternity coverage?
Do you have a pre-existing condition that you need coverage for, or does your school require you to have pre-existing condition coverage?
Do you need coverage for any adventure or extreme sports?
Do you need coverage for team sports?
You then have the option to adjust the plan options to filter out those plan options that do not suit your needs. You can filter by:
Medical Maximum Coverage
Hopefully with all the filters and options, you are able to find the plan that fits your needs and once you are ready you can purchase coverage instantly online! We offer real-time confirmation, and you will receive your insurance details in your email.
If you need any help through the process, please do not hesitate to contact our customer support team! They are on hand to provide advice, and can help you work out what plan option is best for you. We are available at:
Although we have been providing insurance to students for the last 15 years, our site has been left behind a little and was well overdue a facelift. Luckily the brand spanking new design provides you with loads of great functionality to search, compare and purchase your student insurance coverage right online!
So what does the new eStudent Insurance website provide you:
Quick search to find the right plans for you
Compare multiple options at once
Refine your search options
Online, instant applications
We also have a friendly customer support team who are ready to help you, should you have any questions or need guidance. We are available via email or phone, and you can also follow us on Instagram!