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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:Hello, I am an F1 visa student here at United States. I want to confirm if my College criteria matched with your insurance policy or not. My college is Houston community college, Houston, Texas 77002. These are my College criteria. Does that works for me to have your insurance plans? Thank you I. Acceptable Alternate Health Insurance Plans: 1. A government or scholarship sponsored plan that meets Houston Community College's waiver criteria; or 2. A job-based employer health insurance plan (or covered as a dependent under a job-based employer health insurance plan). Note: individual policies (example: Plans offered online to individuals) are not considered acceptable alternate insurance and will not be accepted. II. Waiver Criteria: Alternate health insurance plans must offer coverage that is comparable to or greater than the following criteria: 1. Coverage dates must include the entire coverage period you are waiving; 2. Medical benefits of at least $50,000 in US dollars for each accident or sickness; 3. Policy must have an annual deductible of no more than U.S. $500 (A Health Care Spending account is not acceptable as an alternative); 4. Covered benefits paid at a minimum of 75%; 5. Repatriation of Mortal Remains of at least $7,500 in US dollars and Medical Evacuation of at least $10,000 in US dollars. (A nominal charge will be added to your student account for Repatriation and Medical Evacuation benefits if they are not included in an otherwise acceptable policy); and 6. Policy should not exclude or unreasonably limit coverage for activities essential for students (such as a $10,000 limit on motor vehicle accidents; a 13 week benefit period).
Q:I'm a PT student in Switzerland at the last year out of 4 of a BSc in Physiotherapy. I'm contacting you because I'll spend my last hands-on internship in Houston, TX and I need a general liability insurance + professional liability insurance as detailed below (directly from the internship contract between my University and the healthcare network): Insurance. A student spending an internship in one or more combined facilities/locations of our healthcare network will procure and maintain comprehensive general liability insurance with minimum limits of One Million Dollars ($1,000,000.00) combined single limit. The student will also procure and maintain throughout the entire internship period at our hospitals, professional liability insurance in minimum amounts of One Million Dollars ($1,000,000.00) per occurrence or per claim and Two Million Dollars ($2,000,000.00) in the aggregate as a student assigned to HOSPITAL which shall cover all his activities at the HOSPITAL. I'm Italian but both Italian and Swiss insurance companies don't insure PT students outside EU, so they told me to get my insurance directy from a US insurance company, considering I'll spend this internship there. I'm already insured here in Switzerland and in EU in general, but it doesn't cover me in the US. I contacted the HPSO insurance company since it was suggested to me by many US physiotherapists friends of mine in order to get the insurance I need and they cover me with the professional liability but looks like they don't offer general liability to students (that's weird since what's required by the hospital I'll spend my internship in is that general liability is just referred to incidents that occur in proximity to the healthcare duties, but not specifically caused by them, for example, a slip and fall coming in or going out of the office - so nothing serious as the professional liability). Obviously I'd like to get both the professional liability and general liability by the same insurance company (easier & faster), can I please ask you for an estimate for both of them? The internship period is from Feb, 13th to Apr, 11th 2017 included, I've a valid US VISA for business that allows me to come with this travel purpose (I just spent a 1 month observership in Ohio and double-checked about it), the internship is unpaid and I stayed for over 18 months in the US in the recent past (just in case they are useful to you). I appreciate your help, thank you. Please let me know as soon as possible, I've lost enough time behind this thing and I now need to go faster.
Q:My uncle is currently in India and is coming to USA on a Visitors Tourist Visa for 6 months. He has a pre-existing medical condition of: Thyroid, BP, (and maybe Atrial fibrillation). He takes care of his health by regular intake of medications and is doing very well. Doctor has given him a green signal to travel. Now, he wants to buy an insurance that would cover him during his stay in the USA just in case he gets some problem. I saw that you have many insurance options for the TOURIST VISA holders to the USA. Could you please advise me that which insurance policy should we buy from you which will be applicable to him? Dates when he will be in USA: 19th Dec 2016 to 15th June 2017.
Q:I am a U.S. citizen on Medicare. My wife of 2 years is Canadian and has her green card. For her, we currently have Obamacare Floridablue insurance. Your insurance is more affordable. Two questions: 1. Is there a prescription drug coverage policy other than the discount card? If it is not subsidized, the what factors make it much cheaper? 2. Why is the price so much below what we have on the open market? T. Hoy Booker
Q:My family (my wife and two children) are staying temporarily under visitor visa B2 in Texas. I am confused which health insurance plan will be suitable and applicable for them. We need insurance that will be able to cover Autism management (ABA therapy) for my son for 5-6 months.
Q:I am searching a good insurance plan for my parent, could you please give me THE BEST POLICY base on my parent's information below Dad: 66 years old Mom: 62 years old Period time need to be covered: 12/13/2015 until 06/01/2017 Both are heathy, except my mom has arthritis. Need a plan that provides good coverage, not too expensive for them if they need to go to doctor or if hospitalized.
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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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Healthcare costs are very high in the U.S.
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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
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