For international students, student medical insurance is compulsory. Without this insurance, you can't register for school. Because the medical expenses in the United States are very expensive and difficult for individuals to afford, it is not easy to be accepted by hospitals or clinics without insurance. When students do not have their own insurance, American schools also provide medical and accident insurance for international students to buy. Some schools include insurance premiums in their registration bills, and students have already purchased insurance without knowing it. Some schools require students to buy insurance knowing that they have no insurance. In fact, students can choose medical and accident insurance that suits them, with low premiums and good protection. As long as you provide proof of insurance, the general school will accept it.
Generally speaking, the insurance provided by the school provides quite a number of insurance items, and the premium is also lower than the market price, but there are considerable medical restrictions and some inconvenience. For their own protection, students should fully understand the limitations and flexibility of school insurance, as well as the balance between premium and protection income, and compare it with other insurances.
Risk comparison. The following points can be used as a reference for comparison:
1. Is the gap between school holidays covered by school insurance, and do students need to buy insurance separately at this stage?
2. When the school is on holiday, whether the hospital center of the school is closed or not, and when students go out for medical treatment, the cost burden is generally higher.
3. Can school insurance be transferred to another school or used across states?
4. Whether the school insurance can be terminated in advance.