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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I am an NYU graduate student. I want to waive my campus insurance. I have insurance of Metroplus essential 4 plan. And I heard from Metroplus sales reps that I need to add another insurance to waive my campus insurance. The attaching is nyu insurance brochure. Can we help me with the minimum amounts of additional insurance I need to buy to waive the NYU insurance?
Q:I want to buy a school health policy for my nephew, attending University of South Florida (Tampa, FL) he is an International Student, 21, from Mexico, on an F1 visa. He's lived in the USA under this F1 visa for ten years. Here are USF's (University of South Florda Tampa) requirements for health insurance for International Students. I want to buy the cheapest policy which USF finds acceptable. Although their rules state a $50 deductible, their office tells me that they accept policies not exceeding $500 deductible; this should lower the cost.
Q:I'm an incoming international student (MBA Program) at University of Pennsylvania. I am currently looking for an appropriate 1-year health insurance plan for myself , J1 visa holder), and my spouse (J2 visa holder). I am interested in your "Patriot Platinum America" plan and would like to ask 3 questions: 1. If we enroll in this plan, can we have access to University of Pennsylvania's student health center? 2. Does this plan satisfy the minimum requirements set by University of Pennsylvania? Below is the requirements: If you are covered under your won health insurance or that of parents, you may maintain your coverage if it meets the following criteria: - Your insurance plan must be provided by a company licensed to do business in the United States, with a U.S. claims payments office and a U.S. telephone number. The company must have a process to remit payments to provider within the U.S. - Your insurance plan must provide coverage for pre-existing conditions, or have been in effect long enough that any waiting period has passed. - Your insurance plan must offer an annual maximum benefit of at least $2,000,000. - Your insurance plan must provide fir both in-patient and out-patient mental health care in Philadelphia area. A policy that provides only emergency or urgent medical care services in this area does not meet this requirement. -Your insurance plan must provide coverage for both in-patient and out-patient medical care in the Philadelphia area, including routine office visits, specialist office visits, diagnostic testing, imaging and physical therapy. A policy that provides only emergency or urgent medical care in this area does not meet this requirements. 3 Does this plan satisfy the minimum requirements set for J1 and J2 Visa Holders? If the "Patriot Platinum America" plan does not meet any one of the above 3 conditions, can you kindly suggest any plan of yours that meet all the above 3 conditions?
Q:My son and I are US citizens, but I live and work in Korea. I pay state and federal taxes and I think I might be considered a US resident, but I have been living and working in Korea and I plan to stay in Korea for a while. I am visiting the US for my 3 week vacation. I hear that many insurance companies do not cover US citizens visiting their home country even though they work and live in another country. I was wondering if I can be covered with insubuy with my current situation.
Q:I understand that for acute onset of pre-existing illness, the insured person must seek treatment within 24 hours. I found detailed explanations in insubuy website for acute onset or pre-existing illness and sudden recurrence of previous illness. But I could not find much about coverage for acute illness. How soon a insured person seek medical treatment for acute illness? For example the insured person falls, and after 2-3 days he/she develops pain in hand. Goes to a physician and it is found that he/she has a fracture and gets plastered or surgery. Will this claim be covered? Another example- a person is having fever for 3 -4 days, now develops cough and condition gets worse on 5th day and goes to see a physician in office. Will this visit be covered? Does a person have to seek treatment within 24 hours for all acute condition for insurance coverage? My concern is sometimes ( and in many cases often), symptoms gradually gets worse and he/she seek treatment when condition gets concerning.
Q:I have a travel insurance with CSA. We had to cancel our trip. CSA will reimburse us for the difference Quantas pays and what the ticket had cost. They will not reimburse us for the cancellation fee the travel agent charges. Is there anything I can do?
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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.
Did you know?
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling abroad?
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.
Learn MoreNew immigrant to USA?
You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreGoing on a vacation?
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.
Learn MoreInternational student in the U.S.?
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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