The popularity and growth of high school programs around the world is at an all time high. Students now have the option to spend a year abroad in the USA, Australia, Canada - in fact most countries now offer programs that will allow you to study for a year at high school level.
When looking at the insurance requirements of a high school student, there are few things to consider:
In most cases, students will live with a host family and this poses some obstacles. Most notable, the host family will be very familiar with healthcare and insurance - for example in the USA, the family will most likely have a comprehensive major medical insurance plan through their employer. Typically the style of policies high school students will travel on are called "Travel Medical" or "Travel Health" policies, designed to cover up to 1 year. Host families need some education on the policy, so they understand there are exclusions to coverage and it is not like their "major medical" insurance plan.
Living with host families also mean that administration of the plan needs to be quick and easy - so a strong PPO network is very important. This will make access to care much easier, and allow for direct submission of bills by the medical provider which will avoid paying up front for medical expenses and then submitting for reimbursement.
Similar to Au Pairs, high school students are abroad for longer periods of time, most often for 10 months, so you will want to make sure you have higher levels of coverage in place to cover this extended period. We certainly recommend higher levels than the $50,000 currently recommended on the J1 insurance regulations. Apart from that, you will also want to consider the inclusion of mental health benefits, personal liability coverage, and of course full coverage for all high school and team sports.
With our extensive work in the high school market, we have the knowledge and expertise to provide you with a plan that is not only geared to your participants, but also priced correctly. Please contact us if you would like further information.