Student Insurance Pre-existing condition coverage benefit

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Best student medical insurance for pre-existing conditions

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There are only few insurance companies who offer coverage for pre existing medical conditions under international student medical insurance plans. This page will give an insight to the coverage details and sum assured for pre existing conditions under student medical insurance. Refer to the details of student health insurance pre-existing conditions and select plan to buy online.

Best student health insurance with pre-existing conditions

IMG international student health Insurance plans offering Pre-Existing Condition Coverage

1. Patriot Exchange Program Insurance

  • Covers Pre-existing conditions after 12 months of waiting period
    • Eligible medical expenses: $5,000 lifetime maximum
    • Emergency medical evacuation: $25,000 maximum
  • Pre-existing conditions - After a waiting period of 12 months, charges for conditions existing within 36 months before the effective date, can be covered up to $500 per period of coverage and $1,500 maximum limit.

2. Student Health Advantage Insurance

  • Standard plan: Charges excluded until after 12 months of continuous coverage
  • Platinum plan: Charges excluded until after 6 months of continuous coverage

WorldTrips Insurance plans offering Pre-Existing Condition Coverage

1. Atlas America Insurance

  • Acute onset of pre-existing condition only available to members under age 80
    • Under age 70: Up to the overall maximum limit.
    • Age 70 to 79: Up to the overall maximum limit or $100,000, whichever is lower.
    • Excludes chronic and congenital conditions
    • $25,000 lifetime maximum for emergency medical evacuation.
    • An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions are excluded from coverage.

    2. Student Secure Insurance

  • Student Secure Elite: Pre-existing conditions covered after 6 months waiting period
  • Student Secure Budget: Pre-existing conditions covered after 12 months waiting period
  • Student Secure Select: Pre-existing conditions covered after 6 months waiting period
  • All Student Secure plans offers Acute onset of pre-existing conditions up to $25,000 lifetime maximum for eligible expenses.

    • Incidental visit time must be used within the three-month period earned, and you must continue your international trip in order to be eligible for this benefit, which covers medical expenses only. Return to your home country must not be taken for the purpose of obtaining treatment of an illness or injury that began while traveling.

    Global Underwriters Insurance plans offering Pre-Existing Condition Coverage

    1. Diplomat America Insurance

  • Covers Pre-existing conditions after 24 months of waiting period.
  • 2. Diplomat Long Term Insurance

    • Covers Pre-existing conditions after 18 months of waiting period.
    • Sudded Recurrence of a Pre-existing Conditions covers up to $20,000; ($2,500 for age 65 years and older)(for US citizens only)
    Compare Global Underwriters Diplomat insurance plans
    Click here

    GeoBlue Insurance plans offering Pre-Existing Condition Coverage

    1. Geoblue Navigator for Student

    • The plan covers pre-existing conditons with creditable coverage.
    • The 365-day pre-existing conditions period can be reduced or eliminated if you have been covered by a creditable group or individual health insurance plan.

    Best insurance for international students

    Cheapest medical insurance for F1 students

    International students studying abroad, along with their education get an opportunity to experience a new culture, see different parts of the world and meet new people with varied backgrounds. We work with all reputed US insurance providers to offer excellent F1 student health insurance.

    American Visitor Insurance has a compare F1 visa student travel insurance tool along with article's and FAQ's with to help students fine the best health insurance for F1 students. The compare foreign student insurance tool displays the cost and coverage details of students medical insurance that satisfy f1 visa health insurance requirements. Students can easily find cheap health insurance for international students by comparing both cost and other F1 visa student insurance coverage benefits.

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    Best International insurance for student

    Step 1: Finding the available best health insurance for international plans

    Complete the student insurance quotes request form by providing details of the student and insurance requirements.

    Step 2: Compare the different medical insurance options from the student insurance quotes for USA student visa requirements for students

    Student insurance comparison will help you identify what fits your needs best.

    Step 3: Buy the student insurance that you like best.

    Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

    Step 4: Review the student insurance plan documents received by email

    Review the international student health insurance policy documents received by email closely for coverage details and relevant contact numbers.

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    Factors to consider

    Factors to consider while buying best student health insurance for pre-existing conditions.
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    International student insurance coverage for pre-existing conditions FAQ's

    01. What qualifies as pre-existing conditions?

    Pre-existing conditions are those health related conditions that could be injuries, diseases, physical or mental conditions that already exist in a person and in some cases the condition is maintained by taking regular medication at the time of the purchase of the insurance plan. Some insurance plans have defined it as "Any existence of symptoms in an ordinarily prudent person that would cause him to seek diagnosis, treatment or care within the 6 months immediately prior to the effective date under the insurance policy of the insured.

    02. What is the waiting period for pre-existing conditions?

    It is a special period during which the insured needs to wait for after the policy is effective to avail the benefits under the plan for some specific diseases or conditions where the insured needs to be covered. These conditions are pre-existing conditions and the waiting period for this in student insurance plans vary between 6 months to a year. It depends on the insurance plan. Each plan is different and has different waiting periods or no waiting periods.

    03. What are the benefits covered with pre -existing conditions?

    Student pre-existing condition insurance plan benefits include:

    • Emergency medical evacuation due to pre pre-existing condition and sudden recurrence of the pre existing condition.
    • The hospitalization expenses for the treatment of the sudden recurrence.
    • The medications and treatments expense for the situation
    • And any other covered expense listed in the plan for pre existing condition

    With the pre existing condition plans, the insurer cannot raise the premium rates or the charge extra in lieu of pre-existing condition coverage which is included in the plan. The plan cannot deny coverage based on the health condition of the insured once the plan has been purchased and become effective. All other medical expenses must be covered as usual and not be affected by any health insurance pre-existing conditions coverage.

    04. What pre-existing conditions are not covered in health insurance?

    In most cases, any condition or disease that is chronic or life long treated are usually excluded from coverage as pre existing condition:

    • Cancer
    • Alzheimer's
    • Parkinson's disease
    • Dementia

    Some of the other pre existing conditions that are excluded normally, however get covered in a Pre existing coverage plan:

    • Epilepsy
    • Diabetes
    • Lupus
    • Sleep Apnea
    • Pregnancy
    • Kidney and Gall Bladder stones
    • Arthritis...

    05. What is pre pre-existing condition/disease waiver?

    Pre-existing conditions are usually excluded in the coverage in a travel medical insurance plan. If there is a pre-existing condition waiver available with the plan, then it is one of the important things that can be added to the plan. This will cover the excluded pre-existing condition if the eligibility requirements are met for the waiver to be applicable. In other words, the trip cancellation related or medical claims related expenses which might be excluded will now be covered when you purchase the plan with the waiver. This is helpful for travelers with chronic diseases the coverage for which will be waived when the waiver is applied. Eligibility for waiver:
    Here are the eligibility criteria for the waiver:

    • You need to purchase the travel insurance on the date of initial trip deposit or within 7 - 30 days of the same.
    • You need to purchase the travel insurance for the full cost of the trip. Certain plans only insure the non refundable costs of the trip. In case of subsequent addition of this, you need to add that to the trip cost of the plan by the date of deposit.
    • You need to be medically fit and stable to travel.
    • You need to cover the entire trip and not just a portion of it.

    Best international student health insurance in USA

    Which is the best student insurance in USA?

    Health insurance for F1 students in USA, Medical insurance for international students

    • IMG's Patriot Exchange insurance is designed for International students or Cultural Exchange scholars.
    • It is a very affordable plan and meets J visa requirements and F Visa for international students.
    • Covers pre-existing condition after 12 months of continuous coverage $500 per period of coverage; $1,500 lifetime maximum.
    • The student can buy this plan with a sports rider to cover activities such as downhill skiing.
    • Patriot Exchange Insurance can be renewed online up to 48 months.
    • Coinsurance the plan pays 10% of the first $10,000 with an out of pocket maximum of $1000 within the provider network in the US and pays 20% with no cap in outside the network in the US.
    • Provides coverage for international student medical insurance to students and scholars pursuing their education outside their home country.
    • Student Health Advantage Platinum covers Maternity Newborn Care.
    • Standard plan covers pre-existing condition after 12 months of a waiting period.
    • Platinum plan covers pre-existing condition after 6 months of a waiting period.
    • This plan can be renewed for up to five years.
    • Student Secure provides excellent insurance cover to international students and scholars outside their home country.
    • Covers acute onset of pre-existing conditions up to $25k lifetime maximum for eligible expenses.
    • This plan is ideal for J1 and F1 and OPT students.
    • Sports activities, leisure, recreational,entertainment or fitness is covered upto overall maximum limit.
    • This plan can be renewed for up to four years.
    • Offers worldwide coverage for international students and faculty outside their home country.
    • Offers Unlimited annual and lifetime medical maximum.
    • Pre-existing conditions exclusion can be waived with proof of prior creditable coverage.
    • Coinsurance is waived for care outside the U.S.
    • Sports, terrorist and alcohol-related injuries are covered.
    • Exceeds J-1 visa requirements.
    • No waiting period associated with any preventive services.

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    Best insurance for international students

    Cheapest medical insurance for F1 students

    Students when they travel outside their home country to study along with the university academic experience also get an opportunity to experience a new culture and to see different parts of the world and meet new people with varied backgrounds. We work with several US insurance providers that offer excellent student F1 health insurance.

    We have developed an excellent compare F1 visa student travel insurance tool and have article and FAQ's with information for the best travel insurance for F1 students studying abroad. Our international student insurance plan comparison facilities lists the travel insurance for students that satisfies the f1 visa health insurance requirements.

    International student insurance

    Students can find the affordable health insurance for international students in USA as well as outside the USA. Other than the cost, we also display relevant coverage details of health insurance for international students on F1 visa studying in the USA.


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