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Why International Students Must Have Health Insurance

by Heather Isaac

What Is International Student Health Insurance

International Student Health Insurance is something ALL students studying away from their home country should have. It is important because it will help you financially if you ever become sick or find yourself in an emergency. By paying a monthly fee, you are ensured a certain amount of money that the insurance company will pay for you if you get sick or injured. The amount you pay and the maximum you can receive will depend on what health insurance plan and provider you choose. In addition to having access to good doctors and medical facilities, health insurance can save you thousands of dollars if something ever goes wrong.

Why You Need It

Many students do not know that the medical system in the US is one of the most expensive in the world. For example, without health insurance, it can cost $800 to $1,000 to spend one night in the hospital. Accidents happen and sometimes we cannot prevent them - a change in location or weather could even lead to a flu or fever.

What You Should Know:

  • Many colleges and universities in the U.S.A. require students on F-1 visas to have health insurance to be admitted
  • You could be denied medical treatment without health insurance
  • If you do not have health insurance and must use your own money to pay for medical treatment, paying for school might become impossible

How You Can Get It

International Student Health Insurance can be bought in different ways. Some schools require students to enroll in the health insurance plan provided by them. Others allow students to buy their own health insurance plan and have their university approve the plan. If you are able to buy your own, this option can be extremely cost effective. ISO Insurance is a great example of a trustworthy organization that will provide you with this service.

About ISO Insurance

ISO was established by, and is currently administered by, current and former international students. As the majority of staff members at ISO, including officers, came to the U.S. as international students, the organization knows and understands your needs firsthand. ISO is the administrator that works with you to provide you with health insurance - the insurance company that underwrites the plans is United States Fire Insurance Company.

ISO has 25,000 members from all over the world with about 5,000 students from India. The organization aims to offer top of the line health insurance plans, particularly designed for international students studying outside their home country. The company's size gives them leverage when negotiating with insurance company prices and benefits - for the last three years ISO improved their benefits while reducing the cost to their members.

Their Services

While you are in the US, ISO offers you an insurance you can rely on to cover you should the need arise. Their wide range of insurance plans that vary by coverage and rate, provide you with many options to choose from - according to your need and budget. You can easily purchase insurance online and immediately get the insurance details and a copy of your medical card.

For students, there are two main types of insurance plans. In general, the plans differ in amounts of coverage and benefits. Rates in most plans are age based.

  • COMPASS Plans - Compass Platinum, Gold and Silver
  • ISO Med plans - ISO Med 1 and 2

To purchase affordable insurance now, click here!

ISO Testimonials

  • Mohammed Raghdah: Thank you for the work you do with international students and professors and their families. Each time I called with questions your staff was more than helpful, but especially patient. I would be more than happy to advise other international students to use your services.
  • Hu Xin:Thank you for your kind reply and useful suggestions. I purchased Compass Gold plan for nine months. Your services is very good.
  • Yinhua Piao: Thanks a lot for your help. You are the best insurance company I have never met!

Still Have More Questions?

If you have any other questions or concerns, or would just like to learn more about health insurance, feel free to contact Garma, a LearnHub counsellor!

Garma Masand
Phone: +124-6707764



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About the Author

About: I enjoy hanging out with my friends, learning about classical history and taking photos!

Last Updated At Dec 07, 2012


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