H1B医疗保险

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.

-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

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.

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

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.

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

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

-Individuals under the of age of 65

-Individuals who hold both a valid F1 visa, a current passport, and with valid OPT status

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

YES. You can purchase our OPT insurance as long as you have submitted your OPT application. It is okay if you are in your 60-day Grace Period.

No. However, as an alternative, we have plans specifically for F-2 visa holders, which are more low-cost.

Yes. However, there will be a waiting period for your pre-existing condition.

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

We do not allow upgrades to be purchased 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.

You can enroll in an insurance plan any time after you apply for OPT.

You are recommended to start your new coverage period on the expiration date of your last insurance plan. You may purchase a minimum of 3 months and a maximum of one full policy year of coverage at a time.

No. You can purchase our plans for at least 90 days and only accept one-time payment.

Our health insurance can be effective as early as the second day after your purchase.

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.

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.

Tigerless OPT plans will not provide a 1095 tax form.

NO. You are NOT allowed to withdraw or get a refund for any reason.

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.

In general, if you choose an in-network provider, you won’t pay up front for your medical expenses and will, therefore, avoid the reimbursements. 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.

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.

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.

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.

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.

-Individuals who are in valid H1B status; 

-Individuals age from 12-39.

No. Tigerless H1B plans are only available to people in H1B status. You can contact us for more information.

Yes. You can choose to enroll in an individual plan rather than a group plan.

There is no restriction of open enrollment for Tigerless H1B Health Insurance. You are eligible to purchase it when your H1B status is valid, including grace period, unemployment period and relocating, etc.

Yes. You may purchase a minimum of 150 days of coverage at a time.

No, you don’t have to. Tigerless H1B plans use the Aetna network, covering 50 states.

No. However, Tigerless provides various plans for people in different visa status including F1, OPT, J1, etc. They can enroll in these plans if necessary.

Yes. Please contact us for more details in the Support Center.

Tigerless H1B plan will be effective from July 1st to the next September 30th. You may purchase a minimum of 150 days and a maximum of one full policy year of coverage at a time.

Tigerless H1B plans will not provide a 1095 tax form.Please consult your Tax Advisor.

In 2017, the Trump administration repealed the individual mandate (requirement for everyone to have health insurance), which applied in 2019. However, some states still have an individual mandate at the state level.

No. The coverage period of Tigerless H1B health insurance plans start from 150 days and only accept one-time payment.

NO. You are NOT allowed to withdraw or get a refund for any reason.

In general, if you choose an in-network provider, you won’t pay up front for your medical expenses and will, therefore, avoid the reimbursements. 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.

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

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.

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.

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.

- Individuals under the of age of 65

- Individuals who hold valid J1 visa and a current passport

- J1 students with a full-time schedule and a valid I-20

Yes. We have insurance plans for exchange visitors. If you have not received your J1 visa, you can choose to purchase your insurance plan based on your program start time or your arrival date.

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

We do not allow upgrades to be purchased 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.

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.

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.

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.

No. However, as an alternative, we have plans specifically for J-2 visa holders, which are more low-cost.

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.

The Delta dental insurance plan requires the insured to be at least 18 years old to be able to insure. If the insured is under 18 years old, it is recommended to take out the insurance together with the parents. Renaissance does not specifically indicate the age limit for dental insurance plans, and policyholders can choose to apply for insurance regardless of their age.

Yes, just contact customer service to get the Alternate ID.

You can click on our dental insurance link, enter the postal code of your area, and choose from the insurance plans you have obtained. If you have any questions, please consult our customer service team.

Yes. There is a waiting period of six-month or twelve months to apply for different dental treatments.

You can choose to pay the premium monthly, after which it will be automatically deducted according to the insurance price every month.

The effective date of the insurance can be chosen by yourself, and it is usually recommended that you choose a date closer to the purchase date.

Yes. Please contact the dental insurance company customer service in time to cancel your dental insurance plan

VSP Insurance does not specifically indicate the age limit for the vision insurance plan, and you can choose the vision plan  recording to your age.

You can click on our eye insurance link, enter the zip code of your area, and then choose from the insurance plans you have obtained. If you have any questions, please consult our customer service team.

Yes, you can choose to pay the premium in installments as annually or monthly.

Yes. If you choose to make monthly installments you can pick your billing date to occur on the first, fifth, tenth, fifteenth or twentieth of each month.

If you do not want to renew the insurance after the insurance expires, you can contact the VSP customer service to cancel the insurance plan before the insurance is automatically deducted for renewal.

If you are at least 14 days old and traveling internationally including F2, J2, B1, B2 and Schengen visas, you are eligible for coverage.

To see an overview of the benefits provided under Atlas Travel insurance coverage, please review Atlas Travel product page or see the Atlas Travel Description of Coverage.

You may submit a written cancellation request to orders@worldtrips.com to cancel your Atlas Travel policy. To be eligible for a full refund, the request for cancellation must be received prior to the effective date.

After your initial purchase, you may extend your coverage (5-day minimum) up to a maximum of 364 days from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the deductible, nor will benefit limits be reset.

The discount plan has no restrictions on insurance, and it can be purchased without SSN.

No, this is not an insurance plan. The savings plan provides you with discounted prices on a wide range of health care services and products; you will pay for services at the discounted price at the time services are received.

You can click on our savings plan purchase link, enter the zip code of your area, and then choose from the insurance plans you have obtained. If you have any questions, you can consult our customer service team.

No, the savings plan can be used immediately to obtain the corresponding discounted price for medical services.

Yes, the savings plan is divided into monthly payment and annual payment, just choose your suitable payment preference.

Verbal cancellations are accepted over the phone. If you cancel within the first 30 days of joining, you'll receive a 100% refund less any nominal processing fees, no questions asked.

A health insurance premium is the fixed fee you pay your insurer to keep your health insurance plan.

A deductible is the dollar amount you pay out-of-pocket for covered services before your health insurance plan begins to pay for your care.

Copayments are fixed dollar amounts you’re responsible for paying for covered appointments, services, medical equipment, or prescriptions.

Coinsurance is how much you owe for a covered health care service or prescription, calculated as a percentage of the allowed service amount.

Your out-of-pocket max is the most you could pay for covered health care in a calendar year aside from your premium.

A pre-existing condition is a medical condition you have on or before the start date of a new health insurance plan.

Preventive care includes tests, exams, and services to check your general health. 

In-Network means medical professionals, facilities, and suppliers your insurer has contracts in place with. Out-of-Network means medical professionals, facilities, and suppliers that your insurer has not contracts in place with. To find an in-network provider, please click here.

An explanation of benefits (EOB) is not a bill. It is a statement from your insurance company outlining what your doctor billed and what they paid.

Medically necessary health care services are those required to diagnose or treat a condition and meet accepted medical practices.

Excluded services are services that your health insurance plan won’t cover.

Outpatient care requires an admission. while inpatient care involves an admission to the hospital.