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Ask Our Specialists
Hello,I am an insurance broker and a friend called me as he has a niece here from India on a student F1 Visa. A few questions:1) Does the premium payment have to be paid up front?2) What doctor network do you use and how does someone find a doctor?3) If I read it correctly, pre-existing conditions are not covered. For how long? Thank you,Leslie
Thank you for contacting Insubuy. In most International Student Insurance Plans, the premium can be paid on a monthly basis. The ExchangeGuard plan will require to you pay for the duration the insured would like up front, but the plans are extendable. So they may initially purchase for any duration, and then extend the coverage month by month as they continue their studies in the United States.
Most of the plans will use the United Healthcare PPO Network, and you may use the provider directory to search for medical providers in your area.
Many of the International Student Insurance plans will provide coverage for pre-existing conditions after the plan has been in force at least 6 or 12 months. The coverage amount after the waiting period will depend on the plan you select.
If you have any additional questions or would like a plan recommendation, please contact our office at +1 (866) INSUBUY 467-8289.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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