Should I buy multiple insurance?
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 meet the insurance requirements of the school or visa?
At the same time, the more insurance you have, the better? For the study abroad insurance plan (also known as 留学生 医疗保险), 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.
A study abroad insurance plan has been purchased but the plan does not meet the insurance requirements of the school or visa.
First of all, please check the cancellation clause in the study abroad insurance plan that does not meet your needs. Some study abroad insurance plans allow the plan to be cancelled and fully refunded before the effective date of the insurance. If canceling the plan is not a viable option, then you can only continue to look for other suitable plans. However, you should never buy two main or sub-plans that provide similar protection (the plan that begins to be protected after the main plan has been used), and it is likely to create problems in the future when you need to make a claim. For example, you may need to meet the US government’s J visa insurance requirements and your current plan does not include emergency medical assistance or the return of the body to the country. However, your current plan provides other medical coverage (such as inpatient clinics), so you should find an additional insurance plan that covers only emergency medical assistance or the return of the body to the country, instead of buying another one. There are two main plans for your protection.
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.