Monday, May 16, 2011

STUDENT HEALTH INSURANCE

Cheap International Student Health Insurance


Medical costs are very expensive in USA. Foreign and International students should have Student Health Insurance coverage while attending college and university in USA.
Usually University would require students to buy the health insurance for international students provided by them. Some colleges allow students to buy cheap health insurance from International students from external insurance providers.
Students health insurance coverage provided by colleges is usually expensive. about $600 to $800 per semester.
If your college or university provides an option to buy medical insurance from external providers, then it saves you lot of money.

Cheap International Students Health Insurance

There are so many health insurance providers, but we recommend ISOA health insurance for following reasons
  • ISOA provides cheap insurance for foreign students
  • Great coverage options
  • Good customer service
  • Plans stars at $29 per month (thats cheap)

ISOA Health Insurance

My brother used ISOA and several of his roommates purchased at ISOA health insurance. They were in F1 Visa attending school in Texas.
If you are under age of 25 and university allows to buy health insurance from external providers, then you can buy from ISOA health insurance from $29 per month.
Lets do the math for 1 year of  covergae
  • $29 x 12 = $348
University Coverage
  • $600 per semester x 2 – $1200

Which ISOA Health Insurance Plans to Buy

For any first time trvellers to USA will have to understand the terms, health insurance plans and how it works. You will run into new terms like coinsurance, deductible,  lifetime maximum, in-network, out of network, etc.
They provide different plans
Compass Plan
  • Platinum
  • Silver
  • Gold
ISO Med
  • Med 1
  • Med 2
Every person’s medical needs are different, so based on your needs, you can buy coverage. they have one of  of the cheap health insurance for international students.

STUDENT EDUCATION LOAN

Now, students have started discussing about Education Loan.
Fall 2011 MS – MBA page is too long to add Student Loan details. So, use this page to discuss about
  • Education Loan process
  • Documents Required by Banks
  • Interest Rates
  • Bank Name
  • Problems Faced (or problem given by banks)
  • Time take for loan approval process
  • Student Loan amount
  • Payment plan
I got my student loan in SBI several years back. They make you walk to the bank several times. Every time we’re asked to bring new set of documents.
There was something like you have to pay some percentage and they will provide loan for some percentage. Its like if you want $5000 in demand raft from approved loan, SBI would give $4000 and we have to give $1000.
I still don’t understand that logic. But, I realized that processing fee, approval process is not the same across the same bank.
Of course bank manager has his own set of rules, most of the times, it against the students requesting the loan.
First day, you walk to the bank with I-20 and Admission letter. They will be friendly and that response is based on bank balance you have with them.
After completing all the application, when you go next day, they will ask for new set of documents. Then comes property evaluation, collateral, etc. It took over 25 days and several visits to the bank to get the loan approved.

F-1 VISA INTERVIEW QUESTIONS & TIPS

Getting U.S. Student Visa (F-1) will get you one step closer to attending college/university in United States. Every student have to go through the U.S. Visa interview process. F1 Visa interview tips in this article will help you understand the what Visa Officer (VO) expect from prospective students. Based on that you can prepare for the interview.

US F1 Visa Interview Basics

  • Proper Documentation
  • How you present yourself during the interview
  • Way you answer the questions.
In this article I’m going to explain in detail about US visa interview process. Key to get visa stamping is to understand the process and prepare according to the process.  Can you expect to get high marks in the exam without preparation? Same case applies to visa interview.

U.S. F1 Visa Interview Process

Visa interview officers are well trained to identify good from bad students. If you are well prepared with answers for F-1 visa interview questions, then you can get through the interview with ease.  VO are trained to find
  • Who you are?
  • Do you have academic capability to complete the studies in U.S.
  • Do you have enough financial resources to cover the cost of education in U.S.
You could have done mistakes in documents, or have  fake documents related to finance, degree certificates, property documents, … VO job is to make a decision about the you in few minutes.
You might have all the right credentials, but F1  Visa could be denied and someone with fake documents might get F1 Visa stamping. It all depends on tat few minutes on how you present yourself.  Now, lets assume you are in the queue waiting to be called for the interview.

Inside Visa Interview

  • When you walk to the interview window, have a big smile and wish them. You could say Hi, Hello, Good Morning, Good Evening.
  • Eye Contact is MUST. From the moment you walk-in towards the window, look deep into their eyes and smile and wish them “Hello”.
  • If you don’t make good eye contact, then you are reducing your chances to get F1 Visa. Now, you made good eye contact, then its about how to present your answers.
  • Next big thing – Don’t Lie for the questions asked.
  • If you lie and if they identify that you are lying are gave contradicting answers, then your entry into U.S.A is will be tough.
  • Some have mastered the art lying. If you belong to that category, don’t mess it up (again that’s not recommend)
  • If you are not sure and not comfortable to make up an answer, then DON’T LIE
  • Now, you will be convinced and made a decision, not to lie. Then VO asks this question “What’s your plan after Graduation?”
Majority of student will say answers like this..
+ “My field is growing in India, I will good job opportunities, when I come back”
+ “I will work for 1 year in OPT period, gain the experience and come back”
  • Do you really think answers like I will return back to India will suffice them? They know how many student go to U.S. every year, how many return back.
  • VO know, why would you have to spend $40,000 for 2 years and come back to India get Rs40,000 per month. They know for sure students returning back to home country is very less. It will be very few percentage of students return.
  • So, for such  question speak the trust  “After Graduation, I will party hard, and then will look to spend my OPT period working for US company” that’s simple and straight forward answer. Other way is to say, I plan to work for few years, get U.S. corporate life experience and then plan to come back.
  • I know the above answer is much different from what you have on your list. But, the above answer should work.
  • Next, for the question related to finance documents, make sure you know the source of each funds in the bank statement. VO will ask about transactions, only if they feel something might be wrong in the finance documents.
In general, it will be like
+ Who is your sponsor?
+ What does sponsor do?
+ How much is his/her income?
  • Make sure you have bank statement for student visa with you. 

In coming posts, I will write about bank documents tailored for Student F1 Visa, how much bank balance to show, how to create a fund flow chart for student visa interview. Few of my friends have got F1 student visa after getting rejected for 3-4 times. Some students prefer to use the same bank statement that was used for college admission. Those statements used for college admission will be old and probably funds showed during college admission will be less. For student visa, you would need to show more bank balance.

Sunday, May 15, 2011

F-1 VISA GUIDANCE SERVICES

Hiiiiiiiii guys,i am here to provide you A-Z info & satisfactory solutions to all your questions & problems,if you want to go to US universities for higher studies,dont rush to greedy consultancy services,they will ask more than enough for visa processing.I have studied in US university ,and now doing good job,so i thought to help other indian students in visa processing & other work,and to make them relax by short & straight solution.and obviously its FREE!!..so just let me handle all the problems & procedures..and be relax..:)..you can also contact me on my mail id "dv_mhr2006@yahoo.com"..see you soon..:)..