The F-1 Visa Student School requires students to provide medical insurance certificates when registering each academic year, otherwise they cannot register, which means that the students are mandatory for health insurance (美国医疗保险). For international students with an F-1 visa, the first choice is definitely to participate in the school’s student medical insurance plan, which is the exclusive insurance plan that the school provides to the students who want to study in U.S. also known as美国留学. However, if you have graduated from school and luckily win the H-1B lottery (h1b抽签), and work under h1b visa (also known as (美国h1b签证) or applied green card（also known as 移民排期, you will have to choose your own insurance plan, such as huhu insurance (also known as 虎虎保险). It that is you, there are two issues to pay special attention to when attending school medical insurance:
- Does the date of medical insurance include school holidays? If the school’s insurance does not include holidays, and you have to plan to stay in the US, you must buy another insurance. Some student health insurance plans does not include dental (美国 看牙), eye care, and medical expenses for sudden illness during travel.
- Is there a limit to the geographic scope of health insurance? Some insurance plans are limited to the state, some programs can be used throughout the United States, and some insurance plans can even reimburse you for medical expenses during your travels outside the United States.
It is important to note that you can take advantage of this and make the most suitable choice based on your own needs and insurance costs. However, it is not excluded that the medical insurance plans of individual schools are very uncomfortable, or you are more inclined to lower the price and suit your own insurance plan. Then you can also abandon the student medical insurance of the school and choose to protect the students of private companies outside the school. Medical insurance, it should be noted that this type of insurance is only available to students enrolled in full-time schools.
There is also a proper term for abandoning student health insurance, called waiver. This is a proof that a school requires students to submit to a school if they purchase off-campus insurance and use it instead of school insurance. Generally speaking, the school has minimum standards for medical insurance purchased by students outside the school. Only when this standard is met can the school accept it. Waiver is to prove that you have purchased off-campus insurance and that the insurance meets all the requirements of the school for health insurance. Also, be sure to buy insurance and fill in waiver!