Benefits of travel insurance for international students
Travel insurance is designed to fill in large gaps in other forms of insurance plans or to offer coverage where none exists. To make an informed decision about the purchase of travel insurance, review your personal credit card, health, homeowner’s, and other insurance plans that you already have.
Examine your other insurance policies to see what advantages are available through your credit card and how they are triggered. A talk with your travel agent can assist you understand your financial risk in the event of an emergency.
Most Commonly Asked Questions
What kind of occurrences are covered by the travel interruption insurance?
The risks against which you are covered are specified in your plan paperwork. These perils are similar to trip cancellation perils, but they cover you once you’ve left on your covered trip. The insured gets reimbursed for any non-refundable travel plans that are not utilised, as well as any additional transportation costs.
When do you start getting insurance coverage?
The day after the proper payment for this plan is received, coverage begins at 12:01 a.m. This is your “Effective Date,” and the trip cancellation benefits commence on this date. The majority of your other coverages begin when you board your first flight for your vacation.
Where can I get medical assistance?
You may get medical coverage all across the world with an international health plan. No matter where you are in the world, some international insurance companies have a plan that provide you the freedom to choose your own health care provider.
If I’m traveling to numerous nations, which one should I choose as my major destination?
If you’re making a trip that includes many destinations, such as a vacation to Europe, choose the country where you’ll spend the most time. Your travel medical insurance will provide coverage for the duration of your trip as well as in countries other than your own.
Is it possible to get visitor’s insurance for my relatives?
Yes, the person who fills out the application does not have to be the insured. As long as you have the essential information, you can acquire a travel medical plan for your parents, friends, or relatives.
If I cancel my vacation, do I get my money back?
You must cancel your trip for one of the reasons listed in your plan to be eligible for trip cancellation reimbursement. Some insurance companies have an option to “Cancel for Any Reason coverage”. This gives you the option to cancel for any reason not covered by your plan and get a partial refund.
Is my travel expense covered by my credit card or my domestic medical insurance policy?
Before traveling abroad, it’s a good idea to review all of your existing insurance policies to see how you’re covered and where any gaps in your coverage lie.
Is my insurance plan with an international insurance firm deemed “health insurance coverage” under the Patient Protection and Affordable Care Act (PPACA)?
No, under the PPACA, “health insurance coverage” refers to insurance benefits provided by a “health insurance issuer,” which is an insurance firm that is licensed to conduct business in the United States and is governed by state insurance laws.
Read also: Health Insurance International Students USA
For those who are not eligible for or obligated to purchase a PPACA plan, Sirius Foreign Insurance Corporation, a Swedish insurance business, underwrites international coverage. If you are now eligible for or obligated to purchase a PPACA plan, and the PPACA plan application asks if you have “health insurance coverage,” you should say “No.”
What does it mean to be a “Qualified Expatriate?”
To qualify as a “expatriate health plan,” the primary enrollees must be “qualified expatriates” in large numbers. A primary insured who meets all of the following criteria is referred to as a “qualified expatriate.”
In the United States, Qualified Expatriates:
The individual’s abilities, qualifications, job responsibilities, or expertise are of a nature that has prompted his employer to send him to the United States for a specified temporary purpose or assignment related to his job; and
The plan sponsor reasonably determines that the individual will require access to health insurance in multiple countries as a result of the transfer or assignment, and the individual is offered other multi-national benefits on a regular basis (e.g., tax equalization benefits, cross-border moving expenses, compensation to allow the expatriate to return to his home country);
Outside the United States, Qualified Expatriates:
Working outside the United States for at least 180 days in a 12-month period that overlaps with the plan year is required. The 50 states, Washington, D.C., and Puerto Rico are included in the term.
Minimum Essential Coverage is provided through Expatriate Health Plans.
Minimum necessary coverage is provided by expatriate health plans. This means that an expatriate health plan will satisfy both the company and the individual mandates of the enrollee.
The ACA exemption does not apply to the new health information reporting obligations that go into effect in 2016.
Even if the individual has not authorized to electronic distribution, the information statements (mainly the Forms 1094-C and 1095-C for employers) may be provided electronically to those insured under an expatriate health plan (as long as the individual has not explicitly refused electronic distribution).
Date of Inception
These expatriate health plan provisions apply to expatriate health plans established or renewed on or after July 1, 2015.
What does it mean to have a “Expatriate Health Plan”?
“Expatriate health plans” are defined as a group health plan or health insurance coverage offered as part of a group health plan that meets all of the following criteria:
The major enrollment are almost entirely “qualified expatriates.”
Individuals who are not U.S. citizens and are not domiciled in the country of their citizenship are not considered primary enrollees.
Almost all of the plan’s benefits (e.g., not limited-scope dental/vision, health FSA, fixed indemnity) are not exempted benefits.
Inpatient hospital services, outpatient facility services, physician services, and emergency treatments are all covered under the plan.
The plan sponsor has a reasonable belief that the plan’s benefits provide minimum value (i.e., no less than 60% of the total permitted expenses of benefits supplied under the plan);
If the plan includes coverage for dependent children, it is accessible until the adult kid reaches the age of 26.
The plan is run by an administrator who holds insurance licenses in more than two countries, adheres to a number of international requirements set forth in the law, and reimburses for commodities or services in the local currency in eight or more countries; and
Other than those added by the ACA (e.g., NMHPA, MHPAEA, WHCRA, Michelle’s law), the plan meets a number of coverage standards set down in the Public Health Service Act (PHSA), Internal Revenue Code, and ERISA.
Both fully insured and self-insured plans are included in this definition. Prior to this, only insured expatriate plans were eligible for transitional compensation.
I am an international student who is not a U.S. citizen. Will the individual mandate under the Affordable Care Act have an impact on my IMG plan?
International students on F, J, M, and Q visas (and some family members of students) are exempt from the individual mandate for the first five years of their stay in the United States because they are non-resident aliens. For the next two years, all other J categories (teacher, trainee, job and travel, au pair, high school, etc.) are exempt from the individual obligation (out of the past six).
Because international students are exempt from the regulation, they are not compelled to purchase a PPACA-compliant plan and can instead opt for an acceptable International insurance coverage.
International students are exempt from paying taxes because they are non-resident aliens.
Note: Anyone “temporarily in the United States on a “F,” “J,” “M,” or “Q” visa for the primary purpose of studying at an accredited academic institution or vocational school (and certain family members of students), and who substantially complies with the requirements of that visa,” is exempt from being treated as a resident alien, and thus exempt from the individual mandate as a non-resident alien, according to the IRS international student exemption.
This exemption is valid for five years. A student is no longer exempt after 5 years, and the substantial presence test must be used. Here are some instances.
An international student may continue to be a non-resident alien for tax purposes even after 5 years in the United States provided they can demonstrate that they have a stronger connection to their home country than to the United States.
I am a U.S. citizen who will be going temporarily outside of the country. Is it necessary for me to get PPACA coverage for this?
International travel insurance is not a substitute for the minimum essential coverage mandated by the Patient Protection and Affordable Care Act (PPACA). However, because most PPACA plans lack the overseas advantages and help that travelers require, you should definitely consider obtaining an international travel medical plan for coverage while traveling outside of the United States.
Unless you are excluded, whether you are a U.S. citizen, national, or “alien lawfully present” in the United States, you must maintain basic essential coverage. There are a few exceptions:
- Individuals who do not reside in the United States”Non-resident aliens” are people who are not citizens of the United States (for U.S. income tax purposes).
- Individuals with less than a three-month gap in coverage.
- Individuals who are unable to afford coverage (i.e., the needed contribution is more than 8% of household income).
- Individuals who are exempt due to their religious convictions (applies only to certain faiths).
- Members of a ministry that shares health-care resources.
- Individuals who have been incarcerated.
- Individuals earning less than the federal tax filing level; and
- People from Indian tribes
Unless you are designated a “alien lawfully present” in the United States, you will not need PPACA coverage for short-term travel to the United States. As you can see, I am a non-US citizen with a Global Medical Insurance Plan.
In general, the Patient Protection and Affordable Care Act (PPACA) does not apply to short-term, limited-duration insurance.
From January 1, 2014, short-term coverage extensions was limited to less than 12 months in order to meet the criteria of a short-term limited duration plan under the PPACA.
What is the Patient Protection and Affordable Care Act (PPACA) and what does it do? (PPACA)
The “Patient Protection and Affordable Care Act,” or PPACA, was first proposed to address rising healthcare expenses and the number of uninsured people.
Guaranteed issue (insurers must offer coverage regardless of the applicant’s health status or pre-existing conditions), community rating (insurers must offer policies within a given territory at the same price regardless of health status, age, gender, or other factors), and an individual mandate are the three provisions at the heart of PPACA.
The individual mandate ensures that everyone has a minimum level of coverage: individuals earning more than a particular amount of money are compelled to acquire coverage or face a tax penalty; those who cannot afford coverage will be covered by the government.
Understanding the difficulties and repercussions for the international insurance industry and your organization is becoming increasingly critical as PPACA is implemented and challenged across the country.
What should I do if anything unexpected occurs and I need to visit a hospital while on a mission trip?
While traveling outside of the United States, your international insurance plans give you access to over 17,000 providers through our International Provider Access (IPA).
If something unexpected happens during your mission trip, your insurance company multilingual customer support centers, claims administrators, and 24-hour emergency care coordinators are ready to help.
My family is planning a trip to see you. When should foreign travelers to the United States buy international travel insurance?
Visitors should purchase travel insurance after planning their trip and receiving their visa, but before arriving in the United States. The coverage’s start and end dates should correspond to their visa.
I already have medical coverage. Why would I need Visitor Insurance if I’m visiting the United States?
If you were to become hurt or sick while visiting the United States, the cost of medical care might startle you. You might be shocked by how little help your domestic insurance provider can provide when you’re on vacation.
In the United States, visitor insurance helps to ensure that you don’t pay any unexpected costs, receive good care, and return home quickly and safely if something goes wrong during your visit.
When do I have to sign my waiver?
You’ll have all the information you need to complete your school’s waiver once you’ve purchased your plan and received your plan documentation.
How can I show my school evidence of insurance?
Simply download or print a copy of the ID card and/or confirmation letter and give it to your school’s program administrator as evidence of insurance.
Are sports-related illnesses or injuries covered under these plans?
Add-on coverage for high school sports, interscholastic, intramural, or club sports, personal liability, and legal assistance are all available in the travel insurance for international students.
What if my original card is lost, stolen, or destroyed, and I need a replacement?
A duplicate ID card can be obtained in a variety of ways by contacting your insurance provider.
Is it necessary for me to fill out my Claim Form every time I visit the doctor?
For each new illness or injury, the Claims department encourages all insureds to fill out a Claim Form. This method informs your insurance provider that you are receiving medical treatment and allows them to keep an eye out for proper billing on your behalf.
If you don’t submit a Claim Form and more information is needed, your insurance provider will contact you with an Explanation of Benefits and, if necessary, a Claim Form.
What does precertification include, and why is it necessary?
Precertification is a necessity for certain medical treatments under your certificate. A list of services that require precertification can be found on your certificate. Medical specialists examine proposed medical services against established medical criteria during the precertification process to ensure that they are within accepted medical standards and are medically necessary. You, your representative, or your medical practitioner can start the precertification process.
Most hospitals and physicians in the United States are familiar with the precertification process and will contact on your behalf, though they are not compelled to do so. You must complete the precertification process five days prior to being admitted to the hospital or within 48 hours after an accident or emergency illness.
What can I do if I disagree with my insurance company’s benefit determination?
You can send a written formal claim appeal to your insurance provider asking a review of previously processed claims. It’s important you file your appeal and any supporting paperwork within sixty (60) days of the claim’s original determination. In accordance with your specific insurance plan or certificate, your appeal will be reviewed and promptly responded to.
What if I need medical attention on the weekend or late at night and your office is closed?
If you are experiencing a medical emergency, seek immediate medical attention. Please use the phone number on the back of your ID card if you require assistance.
In the event of a medical emergency, some international insurance providers have medical professionals on call 24 hours a day, 7 days a week to assist you.
You can use the online precertification form to precertify outpatient services. You can alert them if you are being admitted to a hospital by filling out an online precertification form or contacting the phone number on the back of your ID card.
Is it necessary for me to keep my ID card with me at all times?
Your ID card provides vital information, such as your insurance provider contact information in the event of a medical emergency. It’s best if you keep it with you at all times.
How long will it take for a claim to be processed?
Your insurance provider must acquire a complete Proof of Claim before making any benefit decisions. Your policy’s or Certificate of Insurance’s definition of proof of claim can be found there.
After all of the information is received, claims are processed as quickly as possible in accordance with industry standards. Processing will be delayed if additional information is necessary to complete the Proof of Claim.
An Explanation of Benefits will be provided to the insured, outlining what needs to be considered further. If the insured fails to comply, the claim may be closed due to a lack of response.
The given material is offered solely for educational reasons. While we have made every effort to provide current, accurate, and well defined information, the jobmedia editor’s opinion is the basis for this material. We make no guarantees or assurances about its correctness or completeness. The material supplied is not intended to be used as legal or tax advice or as a suggestion in any way. External users should seek legal and tax counsel from their own attorneys and tax advisors on their specific circumstances.