Health insurance is a social system based on cooperation between individuals, where they bear together what one individual may not be able to carry, and this is organized by specialized companies that provide different insurance systems, and the concept of medical insurance is that it is an agreement concluded between two parties:
- The first party is the insurer, which is the insurance company, whether governmental or private.
- The second party, which is the insured.
So that the first party is required to pay the special costs for all treatment services provided to the second party in return for a certain amount to be paid by the second party, the “insured”, which obtains many benefits, the most important of which are the following:
- Providing a psychological safety factor, and protection from the inability to afford the costs of treating diseases and performing surgeries.
- The insured enjoys a good level of health, and thus the ability to give and produce more efficiently.
In addition, the medical insurance system aims to reduce the financial burden on the state, and to develop medical services in accordance with modern standards and foundations.
The culture of medical insurance means collecting the risks of the costs of diseases that affect a certain group of individuals and dividing them equally by collecting the necessary funds to face all these risks and distributing them to individuals according to their need for treatment, and thus the individual bears the inability to pay the costs of his treatment, and ensures access to health care him for a small amount.
Accordingly, the health insurance process must consist of:
- The institution that regulates the medical insurance process, and it may be governmental or private.
- The insured.
- The insurance contract that shows the amount of money deducted from the insured and how it is deducted.
- The nature of diseases, surgeries and medical services that fall under medical insurance.
- Institutions that provide health care, and they may be governmental or private institutions such as hospitals, medical centers, and so on.
Importance and Reasons for Obtaining Health Insurance
It is very necessary to obtain medical insurance for scholarship students in America because of its many advantages that benefit the student in the event of sudden illnesses or accidents, God forbid, so preparing to complete the procedures for obtaining health insurance in America should be a priority of your interests, as you will start A study trip that extends for long periods in which you are away from your family and friends, and you may need medical services and health care if you develop an emergency illness, God forbid, and therefore you should familiarize yourself with the medical insurance system for students in America and subscribe to it, knowing that the law in American universities allows international students By taking advantage of this service.
Clarification of the Health Insurance System for Students
In general, a country such as the United States of America spends on health care more than 18% of its GDP, a percentage that puts it at the forefront of countries with expectations of an increase in this percentage in the coming years, and there are companies specialized in providing medical insurance for students in America during their stay in America To study in order to facilitate their provision of medical care, whether in hospitals or in the event of a need to visit a doctor.
The following explains the basic steps for obtaining medical insurance for scholarship students in America:
- Signing up for the health insurance system in America takes time, so you need to prepare for it in time and before the start of the school year.
- You must gather enough information about how to participate in the medical insurance systems for students in America, you will find many who have previous experience in this field who will provide you with a summary of their experiences.
- Choosing a system that is suitable for you in terms of your health, period of study stay, financial condition, and more.
- As for the entity that will provide the health care service, it varies according to the place in which you will reside, and you have to choose the best, whether it is a hospital, a doctor, or a health center for students.
- You can seek support from the University’s International Student Support Department who can find solutions to any health care issue you may have.
There are also types of treatments that do not fall under the medical insurance system for scholarship students in America, such as dental treatment, for example.
The most important companies that cover health insurance for students in America:
- The ISO company provides medical insurance for students for a period of six months.
- UnitedHealthcare, one of the largest health insurance companies in America, has plenty of student insurance plans for both domestic and international students and for hundreds of colleges and universities.
- Aetna Corporation.
Treatment in the United States of America is expensive, in addition to the high prices of medicines and treatments, so it is preferable, while you are preparing all the official papers for university admission and travel procedures, that you take into account that you participate in the medical insurance system for students, as it is a protection for you during your studies.
