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International Student Insurance

Question:

What are meant by pre existing conditions? Do you have a list of what is meant by that. For say, I don't have any Diabetes, Blood Pressure, Thyroid nor any Kidney, heart or other ailments. How will you differentiate the future health conditions with pre-existing conditions? It shouldn't be a case where I get enrolled into the plan and the insurer reject my claim towards some illness in the future that this ailment falls under pre-existing. Please clarify.

Answer:

Below I have attached our FAQ from the Guide on our website which explains pre-existing conditions, and provides some examples for you to review.

Pre Existing  Medical Conditions FAQ

Please let us know if you have any additional questions, or any need any further assistance.

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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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Visiting USA?

Healthcare costs are very high in the U.S.

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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You are not eligible to enroll in Medicare for the first 5 years.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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Most schools require international students to purchase health insurance.

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