Contents
Reasons to purchase F1 Student Insurance
What if you don't have F1 Student Insurance? Emergency room registration alone costs $30,000!
Living in the U.S. means even a simple emergency room registration can result in a minimum charge of $30,000. What if you suddenly experience severe stomach issues? What if an accident occurs? In such cases, you might need to visit the emergency room, and the registration fee alone could be a burden of $30,000. That's why even Americans opt to pay a minimum of $200 to $500 per month for medical insurance. F1 Student Insurance is not a choice but a necessity.
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Eligibility for F1 Student Insurance
Who can apply for F1 Student Insurance?
F1 Visa Holder
F1 Visa Holder
Students currently or planning to study in the U.S.
F2 Visa Holder
F2 Visa Holder
Spouses or unmarried minor children of F1 Visa Holders
Coverage and Benefits of F1 Student Insurance
From basic to comprehensive, coverage and benefits of F1 Student Insurance
To replace expensive school insurance, you need to opt for a policy that meets the coverage requirements set by your school. Stonewell offers plans that can serve as alternatives to school insurance from across the U.S.
Up to $8M
Dental & Health & Eyes
Professional Services
Prescription Drug
With the Comprehensive Plan, deductions apply per policy. This plan offers extensive coverage benefits, and if you visit hospitals within the PPO Network, you won't need to pay hospital bills. It's suitable for individuals who frequently require hospital visits or seek premium insurance coverage.
| Benefits | Insured Amount |
|---|---|
| Maximum Limit | $5,000,000 |
| Deductible Options | 0, $100, $250, or $500 per illness or injury available |
| Physician / Specialist Visit | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Urgent Care | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Walk-in Clinic | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Hospital Emergency Room | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Hospitalization / Room & Board (Average semi-private room rate, Includes nursing, miscellaneous and Ancillary Services) | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Intensive Care | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Bedside Visit | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Outpatient Surgical / Hospital Facility | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Laboratory | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Radiology / X-ray | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Pre-admission Testing | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Surgery | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Reconstructive Surgery | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Assistant Surgeon | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Anesthesia | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Durable Medical Equipment | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Chiropractic Care | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Physical Therapy | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Extended Care Facility | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Home Nursing Care | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Prescription Drugs and Medication | N/A(In-Network), 90%(Out-of-Network), 100%(International) |
| Inpatient Mental or Nervous / Substance Abuse | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Outpatient Mental or Nervous / Substance Abuse | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Emergency Local Ambulance | 100%(In-Network), 100%(Out-of-Network), 100%(International) |
| Emergency Medical Evacuation | 100%(In-Network), 100%(Out-of-Network), 100%(International) |
| Dental Treatment | N/A(In-Network), 90%(Out-of-Network), 100%(International) |
| Traumatic Dental Injury | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Emergency Reunion | 100%(In-Network), 100%(Out-of-Network), 100%(International) |
| Interfacility Ambulance Transfer | 100%(In-Network), 100%(Out-of-Network), N/A(International) |
| Repatriation for Medical Treatment | 100%(In-Network), 100%(Out-of-Network), 100%(International) |
| Return of Mortal Remains | 100%(In-Network), 100%(Out-of-Network), 100%(International) |
| Accidental Death & Dismemberment | Principal Sum Maximum: $25,000 |
| Incidental Trip | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Personal Liability Rider | 100% |
| Lost Personal Property | 100% |
| Limited High School and College Sports | 100% |
| Legal Assistance Rider | $500/period of coverage limit |
Advantages of Local Insurance in the USA
Visit Hospitals that Allow Direct Billing from Insurance Companies
After purchasing insurance in the USA, access My Account. As shown in the video image below, you can search for hospitals in the USA that are affiliated with the insurance company. If you visit an In-Network hospital, the insurance company will directly handle your medical expenses. 96% of hospitals in the USA are part of the Network, making them easy to find anywhere.
Find F1 Student Insurance with our Exceptional Services
If they don't have 'this' when you purchase an international student insurance, never buy.
Are you colluding with the insurance company? Once again, you've fallen victim to their tricks? It seems like they were only kind to you during enrollment, but now they've abandoned you. If you won't receive proper support when you need it, it's better to steer clear of them. You won't get the full benefits anyway. At Stonewell, our dedicated team for international student insurance is here to assist you in real-time. We've even eliminated those annoying hold tones. When you call, you'll connect directly with our local advisors. We take pride in delivering a service that goes beyond what typical travel insurance providers offer.
Reasons to Purchase F1 Student Insurance from Local Insurers
U.S. Insurers that Directly Pay Even High Medical Bills, Even Tens of Thousands of Dollars
If you suddenly face hospital bills worth tens of thousands of dollars, it would be a significant burden for anyone. With a Comprehensive Plan, when you visit a hospital within the PPO Network, you don't need to pay substantial medical bills. This is a unique advantage of F1 Student Insurance.
F1 Student Insurance from local insurers is designed to align with the U.S. healthcare system, ensuring you receive maximum benefits for your premium.
The majority of hospitals across the U.S. are part of the PPO Network. Visit hospitals within this network, and by showing your insurance card, you won't need to pay hospital bills.
Why you should buy F1 Student Insurance from us
How Stonewell become the number 1
Diseases and accidents do not take holidays. Accordingly, we operate email, phone, and chat consultations without any days off.
Due to our large number of clients, we have top-tier contracts with major insurance companies. We're qualified to offer the best coverage benefits at the lowest prices.
The purchase of insurance may not differ significantly depending on where you buy it. It's like buying the same Lego set from Costco or a Lego store. You don't necessarily have to purchase through Stonewell. However, when you actually need to use the insurance, make sure you will receive adequate support. Unfortunately, many providers in the industry tend to be unresponsive after purchasing.
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