International Student Health Insurance
Health Insurance Plans for International Students & Students Studying Abroad
Health insurance plans for international students provide the right mix of plan benefits, value, and coverage to keep you safe and healthy. IMG student health plans can help keep your budget healthy, too.
Coverage for international students studying in the U.S. is available to students on an F1 visa and meets J1 visa requirements. Students from the U.S. studying abroad can also stay protected in Schengen visa countries and beyond with an IMG plan.
Long- and short-term student health plans from IMG are great for:
- Individuals and groups participating in international student programs
- Cultural exchange participants
- International graduate students
- Scholars and educators
- Dependents of those participating in international study programs
With health insurance plans designed specifically for international and study abroad students and scholars, IMG has done the homework so you don't have to. To compare IMG's student insurance plans, check out our article, Choosing the Best International Student Insurance Plan for You.
Why Do I Need International Student Health Insurance?
Simple. It's Generally Required.
Most universities and colleges require that international and study abroad students obtain a minimum level of medical coverage for their enrollment period.
While some schools provide their own coverage options for students, others do not require students to buy the university-sponsored insurance as long as they buy comparable coverage that meets or exceeds the school's requirements.
Your host country may also require insurance for international students, so it's important to verify your visa requirements before purchasing coverage.
International students who hold F1 visas are not required by the U.S. government to meet certain health insurance requirements, but they may still be required by their school to purchase certain coverage.
Age of the Student
Age is the primary determining factor for price. Insurance companies often charge different amounts for different age groups, with the price increasing for older age groups.
Length of Coverage
There are monthly rates associated with international student health insurance, so price increases proportionally to the number of months of coverage purchased.
Level of Coverage
Plans can range from basic and budget-friendly, to robust and complete with maternity coverage and enhanced pre-existing condition coverage. Students can choose the level of coverage they desire and balance that with the cost they are willing to incur.
International Student Health Insurance Benefits
Key Considerations for Purchasing Student Health Plans
Student Medical Coverage for Accidents or Illnesses
Your school and host country will often require students to purchase a plan that includes a minimum amount of medical coverage for accidents or illnesses.
Emergency Medical Evacuation
Coverage for an emergency medical evacuation to the nearest qualified medical facility, expenses for transportation resulting from the evacuation, and the cost of returning the student to either their home country or the country where the evacuation occurred.
Repatriation and Return of Mortal Remains
In the unfortunate event that a student dies as a result of a covered illness or injury while outside of their home country, this benefit can cover expenses for transporting the remains back home.
Research your school's and host country's coverage requirements.
Confirm that your school allows you to waive the university-sponsored plan and purchase your own insurance.
Search for the right plan for you, paying close attention to coverage and cost.
Purchase a plan and submit a waiver to your university, providing proof of coverage and any other necessary documentation.
Check Out Our Study Abroad Checklist
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Frequently Asked Questions
This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.