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International Student Insurance


We are a group of students looking to buy overseas travel insurance. The University requires the following points to be met by the insurance that we travel with. Can you please let me know whether the above insurance meets the criteria mentioned below? And if it doesn't then can any customized plan be made to fulfill the criteria for us. Criteria: - The plan deductible is no more than $2,500 per insured per year or $500 per illness. The Insurance company must have a domicile in United States for at least 6 years. - The plan provides unlimited annual and lifetime benefits (i.e., no policy maximum). - Cannot exclude or limit coverage for pre-existing conditions. - The plan provides prescription drug coverage. - The plan must have 100% coverage for preventive care, including vaccinations, in Atlanta, GA and surrounding areas. - My plan provides coverage for both emergency and non-emergency inpatient and outpatient medical (laboratory, diagnostic services, primary and specialty care, and physical therapy included) and mental health care in Atlanta, GA or the surrounding areas. - The insurance plan must cover at least 75% of usual and customary charges in Atlanta, GA and surrounding areas. The plan may not contain specific limitations for the treatment of medical conditions relative to standard hospital or outpatient care. For example, an insurance plan that has limited coverage of hospital room and board to $500 or limited coverage of ambulance costs to $350 would not be acceptable. - The insurance coverage is not through a medical cost sharing or co-op type program. - The plan has a U.S. based claim administrator, a U.S. telephone number and address for submission of claims, and the policy is issued in the U.S. - Oral contraceptives must be covered at 100% of usual and customary charges in the Atlanta, GA. area. - The insurance plan must cover both inpatient and outpatient mental health treatment and must cover treatment for substance abuse (both alcohol and drug abuse). - The plan must have a "medical evacuation to home country" benefit of at least $50,000 and a "repatriation of remains" benefit of at least $25,000. - Your insurance plan has an A.M. Best rating of A- or better


Please be advised that we would be unable to offer a plan that would meet all the requirements for the insurance you are requesting. We would recommend seeing if the school offers a domestic plan that would be suitable or checking the students eligibility through the health care exchange.

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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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