Case Navigation
Skip UK Hospital Queues Uncover $5500 Fraud Bill $148K Pneumothorax Emergency Over ¥10K ER Claim Car Break-in $8160 Claim Vaccine Rescheduling Success 10 Counseling SessionsDaily Medical Care
Physical exams, cold, fever, toothache, acne, injuries, chronic stomach issues, etc.
Emergency Care
Sudden pain, animal bites, injuries, emergency visits, ambulance, etc.
Travel Incidents
Flight delays, lost luggage, robbery, etc.
Immunizations
HPV vaccine, flu shot, etc.
Mental Wellness
Counseling, anxiety, depression, etc.
Selected Case Studies
Skip UK Waiting Lists: Private Hospital & Claims Handled in 24 Hours
Daily Medical CareStudent V, 19, at Birmingham City University (renewed for 3 years), experienced unexplained abdominal pain on April 9, 2024. Our 24/7 service team scheduled her a next-day appointment at a UK private hospital.
Efficient Claims Process
While UK private hospital costs are typically high, and insurance coverage varies, such protection is crucial for international students.
This case highlights our dual advantages: quick access to private hospitals through our service team for timely diagnosis, and efficient claims processing.
Uncovering a $5500 Fraudulent Bill, Protecting Student Rights
Daily Medical CareStudent Z, 23, studying at New York University, had been insured with the Platinum Carefree Plan for three consecutive years. Due to poor posture, he developed lower back muscle strain.
With our team's help, Student Z received treatment at a medical facility near NYU. While most of the $4,832 medical cost was covered by direct billing, Student Z only paid $431.99 out-of-pocket.
Fraud Detection & Protection
Near the end of treatment, Student Z unexpectedly received a $5500 bill. Our service team identified it as suspicious and contacted Student Z immediately. After verification, we confirmed it was a fraudulent bill and rejected the claim, protecting both his finances and his credit history.
The Platinum Carefree Plan offers comprehensive support: covers conditions like muscle strain, high direct billing coverage reduces financial burden, and dedicated service team assists throughout the process.
Massive $148K Pneumothorax Bill: Student Pays Only $17K After Direct Billing
Emergency CareStudent L, 17, at NYU, experienced sudden chest pain on September 29, 2023 and was diagnosed with pneumothorax at the nearest hospital, requiring urgent care.
Total costs including ER, ambulance, hospitalization, and surgery reached $148,122.92 (≈¥1.06M).
Our Solution
Having chosen the Platinum Plan before studying abroad, our team quickly processed the claim. The family only paid $17,000 (≈¥120K), just 11% of the original bill.
The incident occurred during a normal tennis game - a reminder that health risks can arise unexpectedly.
Only Paid ¥2,454, Received Over ¥14,000 for Emergency Visit!
Emergency CareStudent Y, 26, at Texas A&M University, often neglected health due to late-night studying.
On November 1, 2023, he woke with a red, swollen, painful eye and went to the ER, diagnosed with conjunctivitis.
High Coverage Rate
Having renewed the Platinum Plan for 2 years, 90% of the costs were covered, leaving only 10% out-of-pocket.
The 86-day Platinum Plan cost only ¥2,454 but saved Student Y approximately ¥14,000 in ER fees - substantial protection at an affordable price.
Car Break-in During Road Trip: Travel Protection to the Rescue
Travel IncidentsSince 2020, car break-ins have surged across the US. San Francisco alone reported nearly 1,670 incidents in the past month.
Student X (Arizona State University) purchased the Bronze Carefree Plan (¥5,900). On March 7, 2023, in San Francisco, their car window was smashed during a trip, losing a Burberry backpack, credit cards, and passport.
Comprehensive Coverage
The Bronze Plan includes: Routine Medical, Accident Coverage, Global Emergency Assistance, Study Interruption, Travel Inconvenience, and Personal Liability. Police confirmed it as a local theft; property was not recovered.
Travel Inconvenience coverage provides compensation for delays, document loss, or property damage during travel outside your study area.
Easy Vaccine Appointments: Saving Time & Stress
ImmunizationsUpon arriving in the US, Student W needed required school vaccinations: Polio (IPV/OPV) and Meningitis (MCV4). Our service team scheduled an appointment at a nearby network clinic.
When Student W had a scheduling conflict, our team coordinated with the clinic to reschedule, ensuring successful vaccination.
Full-Service Support
We provide more than insurance - we offer complete service support. From scheduling to coordination, our team ensures international students smoothly access needed healthcare.
OverseasHealth provides both insurance coverage and medical service support. Our team handles appointments so students can focus on their health.
10 Counseling Sessions: $3,042 Covered for Her Emotional Well-being
Mental WellnessIn October 2023, Student C, 27, pursuing a master's at NYU, felt overwhelmed by academic pressure and cultural adjustment, leading to anxiety and depression.
Diagnosed with "Adjustment Disorder with Mixed Anxiety and Depressed Mood," she began therapy. However, the cost of sessions was beyond her budget.
Streamlined Process & Support
Our insurance is designed for students like Student C. Understanding that mental health patients need simplicity, we optimized our claims process to reduce paperwork and speed up approvals.
Student C's case shows how we provide both financial support and emotional reassurance, helping international students feel less alone abroad.
