Medical problems you need to consider when you study in the US

Students who are preparing to study in the United States should consider the life besides the universities they apply to. One of the most important problems is the health insurance of the US (also known as 美国医保). If you are sick, how can you get medical treatment in the United States? What are the insurance for international students (also known as留学生保险)? Many people may not know.

If you don’t have insurance in the US, the cost of getting sick is hard to bear. For international students , it is mandatory to purchase medical insurance in the United States (also known as美国医疗保险) . The fees vary according to the regulations of each school and are generally between US$2,000 and US$4,000 per year. If you refuse to purchase, you will not be able to register properly. It is worth mentioning that the medical insurance purchased by students before they go abroad cannot pay medical expenses in the United States. If you are sick or have an accident in the United States, only the medical insurance purchased in the United States can be compensated.

Most universities in the United States have clinics, infirmaries, or other forms of student health care. Students pay a “health fee” each semester for such health services. However, university health services are limited to minor illnesses and emergencies. For serious illness, the school will transfer the students to the local hospital for treatment. The medical expenses are of course paid by the students themselves.

In addition to requiring every student to pay a “health fee” each semester, some colleges require them to take out health and accident insurance. But most schools recommend only one student health insurance plan to students. Most of these programs are supplemented by a health insurance plan that students or their parents have already participated in, but this type of insurance rarely meets the needs of international students. Students can consult the appropriate commercial insurance, such as Huhu insurance (also known as虎虎保险), which will be recommended by many seniors. Or you can also ask a study agent  (also known as 留学中介), who will generally give you appropriate advice.