International Student Medical Insurance

Assist international students locate lower premium with maximum benefits. Premium may lower than school offers.

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For those who leaving home country to foreign country's:
  • Students and their spouse, child(ren)
  • OPT participants
  • Exchange or visiting scholar
  • Exchange student
Suitable for
# Outside US Inside US (In Network) Inside US (Out Network)
Maximum Benefit Unlimited Unlimited Unlimited
Deductible $0/$250/$500/
$1000/$2500/$5000
$0/$250/$500/
$1000/$2500/$5000
$0/$250/$500/
$1000/$2500/$5000
Individual Out-of-Pocket Maximum Depends on Deductible Depends on Deductible Depends on Deductible
Physician's Visits $0 $30 40%
Medical Emergency $0 20% 40%
Ambulance $0 20% 40%
Inpatient Hospital Services $0 20% 40%
Outpatient Surgery $0 20% 40%
X-rays&Lab  $0 20% 40%
Prescription Drugs Insurance company pay 100%
of actual charge up to an
annual maximum of $5,000
Maximum 90 day supply
Insurance company pay 100%
of actual charge up to an
annual maximum of $5,000
Maximum 90 day supply
Insurance company pay 100%
of actual charge up to an
annual maximum of $5,000
Maximum 90 day supply
Preventive Care Free 20% 20%
Plan detail information PDF PDF PDF
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Plan Benefit

Direct Pay (including office visits, examination, pharmacy, emergency, inpatient service & surgery, ect)

You don't need to pay upfront for services from a provider or hospital with direct pay; instead, the provider or hospital will communicate with the insurance company directly for billing. You will be notified afterward regarding the result.

Nondirect Pay (including office visits, examination, pharmacy, emergency, inpatient service & surgery, ect)

If you go to a provider or hospital without direct pay, you will be required to pay upfront. You need to inform the insurance company with 20 days. You will also need to request medical report, itemized bill, and receipt from your provider/hospital in order to file a claim with the insurance company within 90 days. The insurance company will review your claim and send you a check in about 30 business days to cover any eligible expenses. Payment from the insurance company may also be wired electronically to your checking or saving account.
Claim Method

Direct-Pay Hospitals

Step 1. You don't need to pay upfront.
Step 2. Hospital will communicate with the insurance company directly for billing.

Nondirect-Pay Hospitals

Step 1:You have to pay upfront.
Step 2:Our customer service team will assist you throughout the claim process.
Step 3:The insurance company will send you a check to cover any eligible expenses.
Claim Procedures
Please submit the following documents to us: (1) medical certificate from your doctors or hospitals, (2) itemized medical bills and receipts. We will assist you with the claim process.
Wechat official account 「WeChat ID: anyhealth38」

If you choose wire transfer, please provide the following information of your bank:
  • Account holder
  • Account number
  • SWIFT number
  • Address and phone number
Reminder
  • You can click【Apply Now】and complete the online application form on the insurance company website.
  • You can contact us via phone, wechat or e-mail. Our representative will assist you on it. Once the application is submitted, you will receive e-mail confirmation from the insurance company within 24 hours.
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Application Demo

Policies for applicants residing outside the U.S. are issued through the Global Citizens Association office in Washington D.C. The zip code that applies is 20036. Enter "0" in the quoting tool if applying online while living outside the U.S..

No. The policy does not automatically renew upon your request. If you want to renew your policy, please contact us:

Under indirect-pay services, you will receive the check for any eligible expenses with 15-30 business days once the insurance company receive your claim documentation. [GeoBlue Navigator] is under Blue Cross Blue Shield with big network, and it is contracted with lots of providers and hospitals. Under direct-pay services, your responsibility is your deductible only, since the providers and hospitals will communicate with the insurance company directly for billing.

The evacuation benefit pays for a medical evacuation to the nearest Hospital, appropriate medical facility or back to the U.S. Transportation must be by the most direct and economical route. All evacuations require written certification by the attending physician that the evacuation is medically necessary.

Yes. The GeoBlue Navigator plan does not exclude illnesses or injuries related to terrorism or a terrorist act.

No. The underwriting department will review the application and respond in writing within 24 - 48 hours. Your application may be 1) accepted or 2) denied.

The underwriting department will review the application and respond in writing within 24 - 48 hours. This may mean that we send a request for additional information to the applicant. The turnaround time in these situations will depend on how quickly the applicant responds to the request. If you are applying for coverage as a student only, you are eligible for our expedited underwriting process.

The total annual out-of-pocket expense limit is calculated by adding the deductible and coinsurance maximum together.

Plan Deductible Outside US Inside US(In Network) Inside US(Out of Network) Coinsurance
$0$0$0$0$1,000
$250$125$250$500$2,000
$500$500$500$500$3,000
$1,000$500$1,000$2,000$4,000
$2,500$1,250$2,500$5,000$8,000
$5,000$2,500$5,000$10,000$10,000
For example, you are covered under the GeoBlue Navigator 250 plan with $2,000 coinsurance. Your out of pocket maximum will be $2,125 with outside of the US services, $2,250 with in-network services in the US, and $2,500 with out-of-network services in the US.

Yes. After 364 days of continuous coverage, 【GeoBlue Navigator】 members are eligible to enroll in a new plan that covers maternity costs in the same way as all other conditions.

If you were previously covered by a group or individual U.S. health plan that issues you a Certificate of Creditable Coverage, GeoBlue will apply this prior coverage to the pre-existing conditions waiting period, provided you meet GeoBlue's medical underwriting criteria. GeoBlue will also consider private health insurance issued in other countries as creditable coverage. There are several reasons why coverage would not be considered creditable:

  • The medical benefits are too low.
  • Surplus lines insurance sold in the U.S. as creditable coverage
  • National or Public Health Insurance as creditable coverage
  • There is a time lapse where there was no coverage up until your effective date of your new plan.