Health Insurance for OPT Students

Studying overseas is a tremendously rewarding experience. Those studying abroad often choose to complement their studies by entering the local workforce under special permission by the United States Citizenship and Immigration Service. The F1 Visa is quite flexible and many students choose to expand their studies by taking related work opportunities.

Health insurance is a must for studying and working abroad. You’ll want to be sure to have a good opt health insurance plan to meet your needs. As an OPT Student, one insurance plan you need to seriously consider is the Atlas Travel Insurance program. It contains all the features and benefits you need to get added security and peace of mind.

About OPT

Many international students want to work while studying in the United States, both to get real-world work experience and earn a little extra money. Health insurance for OPT students is both critical and foundational for your safety and security while working in the United States.

Optional Practical Training (OPT) is the work permission available for F-1 students who have completed or have been pursuing their degrees for one academic year. Under the OPT program, you may get part or full-time employment up to 12 months before or after your graduation, as long as it is related to your primary area of study.

When you travel abroad as a student with Optional Practical Training (OPT) status, it gives you the opportunity to learn more than you would in a traditional education environment. Living in the United States can be a new and eye-opening learning experience. As you see and experience the unique culture, you will pick up on different practices and customs, many of which will seem strange and unfamiliar. 


By working under OPT, you can get practical training to make your overseas learning experience all the more valuable.

Deductibles for OPT Student Health Insurance

It’s important to understand the necessary deductible amounts; you will always need to have this amount available when getting medical or travel services. Atlas has varying amounts that include the following amounts: $0, $100, $250, $500, up to $5,000.  This amount is an annual deductible i.e. you will meet your deductible only once a year on the same certificate.

The Maximum Limit

The maximum amounts of coverage are based on your age. Those younger than 70 all have the same maximum limits. These start out at $50,000 and go up incrementally in the following amounts: $100,000, $250,000, $500,000, $1,000,000 and $2,000,000. These limits will only be paid after you pay the deductible amount.

Emergency Care

When you go to the emergency room in the United States for an illness, you will need to pay an additional $200.00 deductible each time you go. If you go because of an injury, there is no additional deductible. If you travel to the hospital via ambulance, Atlas will pay for reasonable and customary charges if you are admitted into the hospital. There is also coverage for complications during the first 26 weeks of pregnancy. During a hospital stay, the coverage is for an average semi-private room and includes nurse care.

If you should need Chiropractic care or outpatient physical therapy, Atlas will pay up to $50 per day. The treatment will need to be ordered before getting any treatment.

In the US, for a non-life-threatening emergency, when you go to a network Urgent Care you will need to pay a $15 co-payment–unless you have the plan with $0 deductible. An in-network Urgent Care visit does not have a deductible amount. If there is an acute onset of a non-chronic pre-existing condition and you are under 70, claims can be paid up to the maximum limit. For those who are 70 – 79, there is a $100,000 limit. There is a $25,000-lifetime maximum if you need Emergency Medical Evacuation.

In the event you should need Emergency Dental care, Atlas Travel will pay up to $300 if there is an acute onset of pain. There is no deductible amount. If you need an emergency eye exam because of a covered loss, there will be a maximum payment of $150 with a $50 deductible.

If your loved one or family member is hospitalized or killed, you can be reunited with him or her. It is a covered expense. There is a limit of $100,000 with a maximum of 15 days. No deductible is required.

Emergency Travel Benefits

In the event that you or your loved ones may need to be evacuated home from a foreign country, the return of minors to your home country has a limit of $50,000 without a deductible. If you need to return a pet to your home country, there is a limit of $1,000 and no deductible.

OPT students may also encounter natural disasters. When your accommodations are destroyed or unusable, Atlas will provide you with replacement accommodations of up to $250 per day for a total of five days. If a political evacuation is needed, there is a $100,000-lifetime maximum and a deductible will not be required.

Your Emergency Travel Benefits coverage does not include visiting a country that has been given a level 3 or level 4 travel advisory by the U.S. Department of State. Your coverage is voided if the advisory level was given in the six months before arriving in that country.

Luggage and Visa Coverage

Losing your luggage is a serious issue, especially when you are in a foreign country. If the luggage was properly checked, you will be reimbursed up to $1,000–and no deductible. If your travel visa is lost or stolen, you can be reimbursed up to $100 and no deductible.

Accidental Death and Dismemberment

If a death is not due to the loss of a common carrier, there is a maximum of $250,000 for the entire family or group. There is no deductible. Other amounts are based on age:

Under Age 18:

  • Lifetime maximum – $5,000
  • Death – $5,000
  • Loss of 2 Limbs – $5,000
  • Loss of 1 Limb – $2,500 

Ages 18 through 69

  • Maximum lifetime benefit – $25,000
  • Death – $25,000
  • Loss of 2 limbs – $25,000
  • Loss of 1 Limb – $12,500

Ages 70 through 74

  • Lifetime Maximum – $12,500
  • Death – $12,500
  • Loss of 2 Limbs – $12,500
  • Loss of 1 Limb – $6,250

Ages 75 and older

  • Lifetime Maximum – $6,250
  • Death – $6,250
  • Loss of 2 Limbs – $6,250
  • Loss of 1 Limb – $3,125

Optional Accidental Death and Dismemberment Rider

This rider is only available to people who are age 18 through 69. The coverage is as follows:

Lifetime Maximum – $25,000

Death – $25,000

Loss of 2 Limbs – $25,000

Loss of 1 Limb – $12,500

– not subject to deductible or overall maximum limit

Personal Liability

In the event that you become liable for another person’s injuries or damage to their property, you can be covered for it. The coverage will pay up to $100 per day of inpatient hospitalization. There is no deductible.

There is a $25,000 lifetime maximum for personal liability and a $25,000 maximum for third-person injury. For third-person property, there is a $25,000 maximum and only $2,500 for related third person property. There is no deductible or overall maximum limit.

Crisis Response

You will be covered by a limit of up to $10,000 (unless you buy additional coverage – up to $100,000), to cover costs related to kidnapping, ransom, expenses for crisis response, and the loss of personal possessions. Costs of negotiations and the coordination of law enforcement costs are included.

As an OPT student, you need coverage to travel abroad. Atlas Travel health insurance for opt students can enable you to be more relaxed while you study knowing that you are covered.