Choosing student health insurance

As a student, you are usually responsible for your own health insurance. Choosing a good plan is one of the most important decisions you will make. WHAT TO LOOK FOR • Doctor and specialist visits • Emergency care and hospitalization • Prescription medications • Dental, if you need it • Medical evacuation and repatriation • Pre-existing conditions • Coverage for the full length of your stay WHERE TO BUY • Your school may offer or require a specific plan. • Israeli insurers and some health funds sell plans for foreign students. • International student and expat insurance companies are another option. TIPS • Confirm with your school that the plan satisfies their requirements and the visa rules. • Read the exclusions. Common ones include pre-existing conditions, sports injuries, and care in certain situations. • Ask how claims work: do you pay upfront and get reimbursed, or does the insurer pay directly? • Check the deductible and the annual limits. WATCH OUT FOR US health insurance often does not cover care in Israel. Do not assume. Call and ask.