How do Chinese students choose medical insurance?

The F-1 Visa Student School requires students to provide medical insurance certificates when registering each academic year, otherwise they cannot register, which means that the students are mandatory for health insurance (美国医疗保险). For international students with an F-1 visa, the first choice is definitely to participate in the school’s student medical insurance plan, which is the exclusive insurance plan that the school provides to the students who want to study in U.S.(also known as美国留学).

Why do you think about this type of insurance first?

First, schools generally choose to work with reputable insurance companies. The coverage of insurance plans is more comprehensive and there are different options. This type of insurance plan is generally used for students who seek medical treatment outside the school, such as hospitalization, specialists, off-campus emergency, prescription drugs, and laboratory tests to help insured students to reimburse some medical expenses. Some student health insurance plans even include dental (美国 看牙), eye care, and medical expenses for sudden illness during travel.

Second, the procedures are convenient. Many school tuition fees include medical insurance premiums. When you register for payment every semester, you will automatically join the school’s student medical insurance plan. It is also a happy thing to face the dazzling insurance plan outside.  Third, the price is reasonable. Due to the younger age and health of the students, the insurance premium for student medical insurance is relatively low. In addition, most schools have on-campus clinics, and the cost of medical treatment at school is much lower than that of regular clinics. This is still very cost-effective. Fourth, there is no pre-existing condition concern, is whether you have a disease before purchasing insurance. If you buy medical insurance as an individual, you may have a medical examination. Check your physical condition first to determine the price of the insurance. Or you will be deducted from the insurance section because of your medical history at the time of final payment. For students with a history of illness, it is undoubtedly the safest and most reliable to insure at school.

However, if you have graduated from school and luckily win the H-1B lottery (h1b抽签), and work under h1b visa (also known as (美国h1b签证) or applied green card (also known as 移民排期), you will have to choose your own insurance plan. Huhu insurance (also known as 虎虎保险) is targeting to international student and various plans for OPT and foreign workers. Good Luck!