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  • F1
  • OPT
  • H1B
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  • Insurance 101
Eligibility
  • Can I buy insurance if I haven't received my F1 visa yet?

    You can still begin the purchasing process, but your plan will be based on the start and end dates of your F1 visa. Starting the process early can help move the process along.

  • Who is eligible for F1 health insurance?

    -Individuals under the of age of 65

    -Individuals who hold both a valid F1 visa and a current passport

    -International students with a full-time schedule and a valid I-20

Choosing a Plan
  • What is an insurance waiver?

    Schools provide students an option to waive out of school insurance so it is a great chance for students to save more.   

    It is essentially paperwork showing that you have sufficient medical coverage in case of a medical emergency. All of our plans are designed to be affordable for international students, while also providing the necessary coverage to satisfy the requirements of a school's insurance waiver policy.

  • Can I get a plan that also covers dental and vision insurance?

    Unfortunately, the United States sells dental and vision insurance separately from healthcare packages.

  • Are Tigerless Insurance packages upgradable after purchase?

    We do not allow upgrades after the initial package purchase. The only exception to this rule is that, if your plan does not meet your school waiver requirements, we can assist you in finding a new one. Written proof from school officials is required for all upgrades.

  • Which insurance plan will meet the requirements of my school waiver?

    We have specifically crafted each plan to meet school waiver requirements while maintaining an affordable cost.

Enrollment
  • When am I required to enroll in a Tigerless Insurance plan?

    You are required to enroll in an insurance plan before your school's enrollment deadline is reached. The deadline for each school is different, but we have them listed on our website. You can enroll any time before your school's deadline.

  • How long must I be enrolled?

    We are required to adjust your enrollment dates for you per school guidelines to ensure that you have coverage for the entirety of the school year.

  • Can I buy a plan on a monthly basis?

    No. You can purchase our plans for at least 90 days and only accept one-time payment. However, the required coverage period may vary depending on the school you enroll in.

  • When is my insurance plan activated?

    We begin your enrollment period per your school's guidelines. This can be the next day, or it can be several weeks after your initial purchase.

  • How do I purchase a plan? Do I need to provide my Visa and/or other documents?

    Please select and purchase an insurance plan based on your immigration/visa status. You don’t have to provide your visa documents when purchasing a plan.

  • I hold an F1 visa, can I purchase health insurance for my spouse and/or children (F2 visa)?

    YES. You can add your spouse and/or your children when purchasing your F-1 student insurance. However, the premium for your dependents is much more expensive. As an alternative, we have plans specifically for F-2 visa holders, which are more low-cost.

  • Will I receive a paper copy of my insurance card?

    NO. You will get your ID card by email once you enroll in our plan. Your digital ID card will include all the information you need (e.g. ID#, policy#, and etc.) to see a doctor and to file a claim.

Waiving
  • When do I have to purchase a plan to be waived?

    You simply have to purchase your plan before your school's deadline. To find your school's deadline, check out the website.

  • How can I waive school insurance?

    Go check our blog and find your school waiver instructions. Or contact us by phone, email or WeChat, we could walk you through the waiver process step by step.

  • School has approved my insurance waiver request. Why am I still charged for the school plan?

    It usually takes 15-30 business days for your school to process the refund. If you have not received your refund after 30 business days, please contact your school for more information. The refund will appear on your student account before being credited to your bank account.

  • What should I do if my school rejects my waiver request?

    The insurance waive application may be denied for a variety of reasons. For example, filling a wrong waive form, personal information mistakes, etc. If the above reasons occur, please contact our customer representatives right away, we will deal with your issues as soon as possible.

  • What materials do I need to submit to apply for waiver? Where can I get these documents?

    Usually, schools will ask for an insurance ID card, insurance brochure, and confirmation letter. After the purchase, you could find these documents in your email or your Tigerless account.

Cancelling your plan
  • Can I cancel or get a refund after my purchase?

    NO. You are NOT allowed to withdraw or get a refund for any reasons EXCEPT our health insurance plan does not meet school waiver requirements. We promise a FULL refund within 30 days after your purchase, if you provide official rejection evidence from your school. Processing fee is non-refundable.

Filing a claim
  • Under what situation do I need to file a claim by myself?

    If you visit an out-of-network provider, or your medical provider doesn’t file a claim, you have to pay the full amount at the time of service. Collect all the claim documents and file your claim within 90 days after the date of medical service.

  • How can I file a claim?

    In general, if you choose an in-network provider, you won’t pay up front for your medical expenses and will, therefore, avoid the reimburse procedures. If you have to pay the full amount at the time of service, please check out our website for filing claims. If you need any additional assistance, you can always contact our Support Center.

  • What information do I need to offer when I file a claim?

    Please submit your claim application within 90 days after the date of medical service.  We recommend you to submit Itemized Bill, Proof of Payment, Student Status Document, and claim form to the claim department. Please check out our website for filing claims.

  • How can I check the status of my claim?

    To check the status of your claim, you can contact the claim office directly with info on your insurance ID card. If you need any additional assistance, you can always contact our Support Center.

  • How long does it usually take for a reimbursement to be processed?

    In general, claims are processed within 15-20 business days. It may take longer for some complex claims, so please allow 3-4 weeks for the claim department to process. Once the claim is processed, reimbursement will be mailed in the form of a check to the address designated. Make sure the address in your Tigerless account is your current valid address.

  • Where can I find the claim form?

    Please go to our Resource Center. You can download the corresponding blank claim forms for your health insurance. If you need any additional assistance, you can always contact our Support Center.