Basically, the schools provide their students with the best insurance companies or systems where the premium is generally cheap and the benefits are great. However, there are cases where the school cannot cater to specific needs of a particular student such as pregnant women who need pregnancy and pre-natal care. As such, the student should buy additional insurance like dental and eye insurance and so on.
With the wide range of insurances, you need to choose which has the most favorable benefits and affordable premium. In addition, you have to understand all the terms and conditions written in the insurance. In case you cannot understand a particular term, you must consult the Foreign Students Adviser of your school.
There are a lot of information sources about Insurances which the National Association for Foreign Student Affairs has provided. below is the information on how to contact NAFSA:
NAFSA Tel: （ 202 ） 462-4811
In choosing an insurance, there are several factors to be considered:
(1) An insurance company experience.
(2) Offset (Deductible).
(3) Paid ratio (Co-payment percentage).
(4) Special restrictions.
(5) Duration.
(6) Benefits.
(7) Extension of benefits.
(8) Payments exceptions
(9) Medical evacuation to country of origin
(10) Premium cost
The following International Student Service Companies accredited by the NAFSA:
(1) Hinchcliff Intl. ： 607-257-0100.
(2) Services International Group, Inc.: 1-800-336-3310.
(3) International Student Medical Insurance Program ： 1-800-221-4426.
(4) Seabury & Smith at 1-800 - 331-3047.
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