Covering my rear-end when abroad

January 16th, 2009

Posted 1/16/09 by Michael Miello

 

Recently the big dinner table conversation has been about health care around the world. Yes, we’re nerds thank you very much. My friends, folks and I discussed the major differences in the health care systems existing worldwide. I even saw a great documentary that compared the health systems of 5 countries, both public and private systems, and apparently Taiwan has one of the best. Props to my friends over there.

 

But I’m not Taiwanese and neither is most of my audience, and so that doesn’t move my marbles much. Did I just use the word marbles? Jeez.

 

For us Americans, we need to remember that we have private insurance, meaning that we’re responsible for selecting health care providers that will cover our butts when we’re not on American soil. Many students forget this or don’t even think about it when they travel. They only discover when they need medical attention after breaking a limb while skiing in the Alps or running away from elephants in the Congo.

 

  • Before leaving, make sure to ask if your health care provider covers you internationally! Most insurances only cover your butt on American soil, so beware!
  • If they don’t, ask around for recommended health insurance providers.
  • And be careful when traveling!

 

Recently there’s been talk about a provider called MultiNational Underwriters. Here’s their link: www.mnui.com. I don’t know much about them, but they seem to be good for international students. They are affordable and will cover your health issues when abroad. It’s always important to travel with valid health insurance, so make sure to do it!

 

Check out the link and let me know your thoughts: Free Student Insurance Quote.

 



Student Travel Insurance

December 3rd, 2008

April 21,2008 Author: A. Subrahmanian

For the past several years there is a large surge in the number of students travelling abroad for higher studies. Many of them are flying across the border to get quality education in the form of graduate and post graduate programs. As the world has become a village quality education has become accessible to those who aspire for the same. Out of many countries which welcomes foreign students for education United States, United Kingdom, Singapore and Russia some of the all time favorites.

Do you have plans to travel abroad for studies? You might have selected your university, You might have selected your stream of study. You definitly have thought of and arranged your accomodation, your food, your clothes and how to call back home etc. Have your ever thought that what will be situation if disater strikes on your health or you loose your belongings like passport or other valid documents while you are in a foreign country. Keep in mind that your friends and relatives are not with you to ask for help. I am sure that one will feel like he is in a no mans land. While in a foreign country you should be secured enough to handle these type of tragic situations. A student medical insurance or a student travel insurance will be a precious asset to be secured. Consider buying a International Student Medical insurance policy while going abroad for your higher studies and be good at your studies.To more about student insurance policy get a Free student insurance quote , visit the website www.mnui.com

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Can you live without insurance?

December 3rd, 2008

March 3, 2008 - Author: J.Seay

In the US, we live in fear everyday, we live and breath in the day of insurance :). We have life insurance, term insurance, house insurance, car insurance, health insurance , computer gadget insurance, malpractice insurance, and I carry my student malpractice insurance all the time. We say we are a nation who believes in freedom but I think we are a nation that is slaved to fear :). But, having say that, it is still the best nation on earth and how do you make the most out of this scenario ? Well, to me, having insurance give me a piece of mind. I know when I bang my car into someone else, I know it will be taken care of and I sure will not walk around without my student insurance, would you ? If you do, I am sure you are a Spider man incarnate 

Study abroad is one of the most popular trends now among students these days. A lot of colleges offer a College Study Abroad Program. If you do sign up for such program, bear in mind that you will need to protect themselves should a medical emergency occur during an international stay, especially if it requires an emergency medical evacuation and/or transportation services. . Your parent’s policy probably will NOT cover you when outside of you home country. It would be cheaper to consider buying an International Student Medical Insurance policy or Student Travel Insurance for their next semester away from home. You might be interested to find out the Free Quote for Student Insurance.

 



Do You Have Enough Coverage?

December 3rd, 2008

February 26, 2008 - Author: Karlana Kulseth

As a parent, I often worry about if my children are covered anything that happens in the future.  I am sure I do not stand alone in this thought.

But what about you parents who have children who are studying abroad?  Especially those college students who take up semesters in different countries to expand their experiences?

Parents, you might want to look into student insurance for study abroad.

Sure, you may have insurance, but you read your policy recently to see if your children would be covered outside the country, or outlying U.S. territories?  Looking into policies that are offered by MultiNational Underwriters could be a lot less expensive than purchasing an international student medical policy or travel insurance.

If you are looking for more facts and different types of coverage, visit MultiNational Underwriters at http://www.mnui.com.



One of the biggest mistakes you can make!

December 3rd, 2008

February 22, 2008 - Author: English Advantage

One of the biggest mistakes you can make coming to the US is to come without health insurance. As a student you are going to need insurance anyway, because universities require students to have insurance policies before they can enroll. And you need it. Last year when I had a wart on my back, I went to my doctor for 15 minutes just for him to tell me it wasn’t serious. That 15 minutes cost me $200! Without insurance there’s no way I could have paid that.

You don’t want to do what some international students do either, which is not go to the doctor because they can’t afford it. If you have something wrong, you want to be able to get it checked out.

Now if you’re an American planning to study abroad you may think you have it made. Healthcare is so much cheaper abroad, right? But when you’re sick or seriously injured you need to not worry about medical care. In a different culture, a different system, you want to be able to go to a proper doctor and have costs taken care of. When I got sick for the first time in Kazakhstan, my friends sent me to a local doctor because it was so cheap. This guy told me to drink yogurt twice a day and put mustard on my back to stop my cough. No wonder it was cheap. I could really have used some insurance so I could just go to a proper hospital and get normal medical advice.

 



International Student Medical Insurance - For All Students Studying Abroad

December 3rd, 2008

December 13th, 2007 - Author: S. Lenka

Fascination to study abroad among Indian students has always been there. Over the years the fascination has grow exponentially. Bringing home a foreign degree is a matter of pride and prestige and a job becomes guaranteed. The other advantage of a foreign degree is the ample number of jobs available in the marketplace for foreign return students.

Apart from guaranteed jobs, things one learns abroad are always filled with new experiences. The focus of foreign universities is very clear: they would emphasize more on practical training and less on class-room lectures.
The cost of study in foreign universities varies widely among institutions and the cost of living varies from place to place. Apart from published costs students must prepared to cover hidden costs – which include:

• Personal expenses
• Costs when residence halls are closed,
Health insurance
• Change in the value of currency, etc.

The students in abroad are seeking medical care during their study. Sometimes the expenses are too high, that a student may not able to continue his/her study further. So, it is wise to make International students insurance policy. The policy helps to pay the medical bills and to take the help of expert doctors during the need. When you purchase health insurance, the premium (the money you pay) is used to pay the medical bills during any health care. Your coverage remains valid only as long as you continue to pay your premiums. Once you purchase insurance, the insurance company will give you an insurance identification card for you to use when you seek care from a hospital or doctor. The insurance company will also provide written instruction for reporting and documenting medical expenses (filing a claim). The insurance company will evaluate any claim you file and make the appropriate payment under you policy. In some cases the insurance company pays the hospital or doctors directly; in other the company will reimburse you after you have paid the bills.

 



Are you Insured?

December 3rd, 2008

December 5th, 2007 - Author: English Advantage 

You may or may not realize that you need health insurance if you plan to study in the US, the UK, or most other Western countries. It’s the law. At the same time, if you’re an American planning to study abroad your program or host university will probably want you to have insurance too.Already have insurance? Or you’re on your parent’s plan? Chances are that’s not going to help you when you leave the country. And being sick is much worse in a foreign country–the language may be a serious barrier, the medicines are all wrong. Don’t add the stress of how you’re going to pay for it. And God forbid, what if you get seriously ill and need to be evacuated?So whether you’re leaving the country for 4 years or a semester, you need a student health policy. They’re often cheaper than adult policies and you won’t have to worry about anything. Check out Multinational Underwriters, which covers US and non-US citizens. Plus their student plan covers all your normal medical needs and emergency evacuation, acts of terrorism, and even sports injuries. You can go here for a FREE international student medical insurance quote.

Hopefully you’ll never need it, but you don’t want to go anywhere without it.  

 




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