Health insurance is very important in the US. Many schools require F-1 students to buy health insurance (also known as 留学生 保险). You are also recommended to buy health insurance after graduation, such as opt insurance (also knowns as opt保险). Some employers provide health insurance with employees. Remember to ask for your employer about health insurance before accepting an offer. The most common and traditional way to convert a student visa to a work visa is to apply for an H-1B visa. Since the H-1B visa application (also known as h1b 申请) and the H-1B lottery procedure (also known as h1b 抽签) are very complicated, you should always consider hiring an immigration lawyer (also known as 纽约移民律师) when you apply for an H-1B visa. In this article, we will discuss is that a good idea to buy multiple insurance?
Is it a good idea or a bad idea to buy multiple study abroad insurance plans at the same time when your plan does not cover your condition?
At the same time, the more insurance you have, the better? For the study abroad insurance (also known as 留学生 医疗保险) plan, this may not be an absolute good thing. If international students or visiting scholars intend to purchase two or more study abroad insurance plans at the same time, here are some things you must pay attention to.
Your own study abroad insurance plan does not cover a situation/condition that has just developed.
If you have a condition/condition that has just developed, whether it has been formally diagnosed or has only a few symptoms, it is considered a Pre-existing condition. This means that if you want to buy an insurance plan that covers an existing condition/condition, you must confirm that the plan will cover the existing condition/condition immediately after it becomes effective. Please note that very few study abroad insurance will immediately cover the existing condition/condition, and if covered, the plan will not be cheaper.
Tips: International students and visiting scholars are advised to purchase plans that cover potential high-risk issues (such as inter-school sports or pregnancy).
Finally, if you really want to buy two study abroad insurance, please confirm that one is Primary and the other is Secondary. However, we still recommend that you only find one that can cover the insurance plan you need.