Archive for the ‘Insurance’ Category

Student health insurance in USA

Monday, June 16th, 2008


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The US Healthcare is one of the best in the world IF you can afford it. The doctors are very qualified, hospitals and equipments are truly world-class but the same can not be said of the insurance and payment systems. The way healthcare works in USA is that the cost of healthcare is very high and a vast majority of Americans cannot pay for their healthcare out of the pocket, if they do not have enough insurance coverage. So having a health insurance is really critical to one’s survival.



The concept of health insurance in USA is more complicated than GRE or GMAT and takes a lot of time energy and disappointment before you really understand how things work. In most countries of the developed, developing and third world, people are used to the idea of free healthcare and free medicine for routine healthcare needs. It is nothing less than a cultural shock to realize that the treatment cost for any accident or significant even minor health issue can run into thousands of dollars in USA.



It cannot be stressed enough that as students you should be covered for the entire duration of your stay with health insurance that confirms to your University guidelines. Contact the University health center or international students’ program office to find out what is the recommended coverage. In most cases a teaching or research assistantship comes with added benefits which may include health insurance coverage. If you lose your assistantship, you lose the coverage too. So It is your own responsibility to buy health insurance which takes care of your needs in the event of loss of coverage.



Some links related to student health insurance:
www.insurancepandit.com/
International Student Organizaion


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Get a Driving License Now- Save dollars later

Thursday, February 28th, 2008


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While you are busy Applying to US Universities, you should get a driving license in your home country as soon as possible. And remember to pack it in your luggage to USA. Once you are settled in USA, you may not be able to buy a car during your student life, still try to get a US driving license sooner than later.


Eventually when you buy a car, you will need to buy vehicle insurance. If you have no driving history, you may be charged twice as much as experienced drivers with a good driving record. Some insurance companies will give no weight to your driving history outside USA and Canada, but some will take that into account. All companies will check how long you have held a US license.


It may be noted that driving history is based on the issuance date of your license. If you can show that you had a US license for a couple of years and had a license in another country before that, you can save as much as 50 dollars per month on your car insurance premium.

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