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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:Would you be able to recommend me a couple insurance policies with low deductibles that match the criteria of my school in the US (MSU)? The dates are the 21st of August to the 15th of December 2017, and I'm 19, female, non-smoker, with golfer's elbow as my previous medical history. I'm all only looking to purchase cover for myself. Here are the school's criteria: - Does your plan cover at least a minimum of $500,000 per condition without time limitation? - Does your plan have a policy year deductible of $500 or less per individual? - Does your plan cover inpatient and outpatient medical services (Including labs and x-rays)? - Does your plan cover inpatient and outpatient mental health services? - Does your plan cover prescriptions up to a minimum of $500,000? - Does your plan have a maximum out of pocket limit of $2000 per individual and $4000 per family? - Does your plan provide coverage worldwide? - Does your plan have $50,000 or more provision for medical evacuation to the international student's home country? - Does your plan have $25,000 or more provision for repatriation (removal of remains after death) to the international student's home country? - Does your plan provide coverage for the waiver period requested?
Q:I have one more question about deductible. You wrote "Deductible is the amount you must pay before insurance pays anything." For example, I decided for insurance with 250 $ deductible. Does it mean every time I go to hospital I have to pay deductible (250$) or only first time and every next time I don't need to pay that deductible, because I have already paid it first time. Please elaborate this with simple explanation.
Q:Dear Sir, Please send me details for your "Kailash Mansarovar Yatra Travel Insurance" for both individuals as well as groups. We are running a forum to provide information to co travellers and we would like to post this information on our Facebook Page and website so that everyone can benefit from the same. Best regards,
Q:Hi! I am in search of insurance policy which provides postpartum coverage to visitors in USA. If you can please guide me through this will be grateful.
Q:My son will be an exchange student at Dartmouth College New Hampshire for the summer 2017. He will be on a J-1 Visa. He will be signing up to the Dartmouth College Group Medical Plan which will provide coverage till 30 August. He will then be travelling in the US (New York, Washington, Philadelphia) for 2 weeks . We want to buy medical cover for these 2 weeks. (1) I assume we will still need "J-1 visa insurance" as he will still be on the J-1 visa? (2) For your online quotation page, it requires the "State" to be specified. Would we specify that to be New Hampshire, as that would be where he would be for most of the summer semester?
Q:Hello, I'm looking for a insurance plan that will comply with the following requirements - I would more than appreciate a quick response as I'm planning to arrive this Sunday, date by which my insurance should start. I'm 25 years old, originally from Ecuador and I'll be staying in Massachusetts. Best. Adrian U.S. Government regulations require J-1 scholars and J-2 dependents to have health insurance. As of May 15, 2015, the J-1 regulations require the following with respect to health insurance coverage: - Medical benefits of at least $100,000 per accident or illness - Payment for repatriation (preparation and transportation of remains to home country) in case of death in the amount of $25,000 - Payment for medical evacuation (transportation to home country on advice of attending physician) in the amount of $50,000 - A deductible not to exceed $500 per accident or illness - Coverage of pre-existing conditions after a reasonable waiting period - Payment by the insurance company of at least 75% of the costs of medical care (the patient must not be required to pay more than 25% of medical care costs) To comply with these regulations, health insurance policies must be underwritten by corporations having one of the following: - A.M. Best rating of A- or above - McGraw Hill Financial/Standard & Poor's Claims- paying Ability rating of "A-" or above - Weiss Research, Inc. rating of "B+" or above - Fitch Ratings, Inc. rating of "A-" or above - Moody's Investor Services rating of "A3" or above. Insurance backed by the full faith and credit of the exchange visitor's (J-1 scholars) government will meet this requirement. The regulations state that any exchange visitor (or accompanying dependent) who fails to maintain health insurance coverage as detailed above or who misrepresents such coverage will be in violation of U.S. Government regulations and shall be subject to termination as an exchange visitor. Harvard's health insurance plans meet the requirements of the J visa except for the repatriation and evacuation requirements. The University has agreed to cover the costs of medical evacuation and repatriation for J visa holders on Harvard's Exchange Visitor Program. The HIO has information on stand-alone repatriation and medical evacuation plans for those not on Harvard's J visa program. The ISHIP Plan also meets the J visa regulations
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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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There are many advantages in purchasing from Insubuy® and no disadvantages.
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Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
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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.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreAre you an exchange visitor to USA?
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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