Lifestyle
Types of International Student Health Insurance in the USA

Millions of international students come to the US annually because it is a land of excellent opportunities. The country offers you a lot, from seeking higher education and hands-on training to pursuing your goals and working in your dream company.
Nevertheless, individuals must purchase a health insurance policy when they come here as international students. They can buy medical insurance from their school/university or a private insurance company. As there are different international students health insurance plans for distinct categories of students, here are a few to be discussed.
J1 visa health insurance
As the name suggests, J1 visa health insurance plans are designed for J1 visa holders in the US. Now, who are J-visa holders? They are scholars or international students in the US for a brief stay to participate in student exchange or study-based programs. J1 visa holders can bring their dependents (spouses and children) on J2 visas.
J1 is a non-immigrant, short-term visa issued for international visitors who come to the US for work, research, receive training, teaching students, and more. Health insurance for J1 visa holders must meet specific requirements laid down by the US State Department. The insurance must cover a medical benefit of $100,000 per accident or illness, $25,000 for repatriation of remains, $50,000 for medical evacuation, and a $500 deductible per illness or injury.
Plus, the plans underwritten by an insurance company must receive ‘A-’ or above from the A.M Best rating, or ‘A-I’ or above from the Insurance Solvency International Ltd, or ‘A-’ or above from the Standard and Poor’s Claims Paying Ability, or B+ or above from the Weiss Research Inc. In addition to these requirements, the sponsor might have additional requirements to meet.
Students coming to the US on exchange visas (J1 and J2) can find various plans on our site. NRIOL.net provides affordable and quality J1 visa health insurance policies that meet US State Department requirements and international students’ needs. Contact us and get quotes.
F1 Visa Health Insurance
An F1 visa is meant for full-time academic students who come to the US to receive education from an accredited college, university, language training program, elementary school, and other educational institutions. Students must enroll in a program that culminates in a degree, diploma, or certificate. F1 students may not be allowed to participate in off-campus employment during the first academic session. But after the first year, they can take part in Curriculum Practical Training (CPT), Optional Practical Training (OPT), and STEM (Science, Technology, Engineering, and Mathematics) OPT Extension.
The F1 visa is also a non-immigrant visa and is the most popular one among international students. However, you can only apply for this visa after an accredited US institution accepts your application. The duration of your stay depends on the program you enroll. Your university will provide you with an I-20 form stating the program’s expiration date.
After attaining a degree, you may apply for OPT, allowing you to work in the US for 12 months. Students graduating with a STEM degree can request two additional work years in the US. And if you do not have any extension or other work years after graduation, you will have to return to your home country within 60 days.
Though students can purchase health insurance from their schools and universities, they get the option to buy a plan from insurance companies, for which they need to fill in waiver forms. If you are planning to get coverage from outside, we would be glad to help you out. Check out our F1 visa insurance plans and pick one.
OPT health insurance
In OPT training, students can expand their knowledge, enhance their skills, and receive training in their field of study. The learning experience you receive overseas becomes unbelievably valuable in the future. OPT students need health insurance to work and live abroad because it provides financial security and peace of mind.
You can purchase OPT health insurance from us. The plans can be renewed monthly to get coverage until you receive employer’s insurance plan. Besides covering your eligible medical expenses, the plan can cover you for emergency hospitalizations, personal liability, medical evacuation & repatriation, and some travel-related benefits.
You may not get coverage for maternity, dental and vision care, pre-existing conditions, preventive health care, and more. Hence, it is essential to go through the brochure before choosing a plan. We offer plans with the best A.M Best Ratings. Call us to discuss this in detail.
Conclusion
International students come to the US with lots of ambitions and dreams. Undoubtedly, people get to learn and master different skills and techniques, but one should not forget that the medical costs in the US are expensive. A visit to a doctor can cost your hundreds of dollars. So, without adequate insurance coverage, it becomes difficult for students to continue their education and care for their medical expenses.
Lifestyle
How Private Hotsprings Can Transform Wellness Tourism with Its Lithia-Inspired Innovations

By Michelle Snow
Private Hotsprings resort features exclusive infinity-edge pools fed by natural hot springs, attracting wellness tourists to British Columbia’s remote wilderness. Tina and Alex Genzer are expanding beyond hospitality with Lithios Beverages, a drink line incorporating lithia-rich mineral water from the springs. The new venture aims to bring the therapeutic benefits of the resort’s natural waters to consumers worldwide.
Enchanted By Nature
Tina and Alex are familiar with entrepreneurship. Before embarking on their journey to British Columbia, the pair successfully ran a boiler installation and construction business in Toronto, specializing in snowmelt systems. While Alex, a former Air Force pilot, honed his engineering expertise and cultivated a strong public presence with CBC and News Talk 1010 appearances, Tina led business operations with her signature entrepreneurial flair.
Tina Genzer recalls how their lives changed when they discovered the Kootenay region’s natural hot springs. “We were captivated by the serenity of this place,” she says. The couple started acquiring chalets that blend luxury and nature. Today, Private Hotsprings offers three properties: the Cedar Log Cabin with a waterfall and lake access and two chalets featuring the world’s only infinity-edge hot spring pools.
The couple’s leadership style has been instrumental in the company’s growth. The Genzers have carved out a niche that remains untouched by competitors by prioritizing exclusivity and direct customer engagement over conventional review systems. “Our mission has always been to create a serene retreat where guests can unwind, rejuvenate, and reconnect with themselves,” Alex Genzer explains.
Lithios Beverages
Tina and Alex’s idea for Lithios Beverages emerged during a restorative evening at the hot springs, inspired by the therapeutic effects of lithia-rich waters. Since its successful debut in New York earlier this year, which sold out within days, the brand is now planning to partner with a major U.S. distributor to enter the growing health and wellness beverage market.
The Genzers are well-positioned to leverage this opportunity, as Lithios Beverages aligns with their brand ethos blending the purity of their mineral springs with health-conscious choices. “Lithios is not just a beverage, it is a lifestyle,” says Tina Genzer. “We aim to provide the same rejuvenation and vitality our guests experience, no matter where they are.”
A Rising Tide for Wellness Tourism
Wellness tourism thrives on authenticity and connection to nature, two qualities that Private Hotsprings exemplifies. The company has tapped into a lucrative market segment that prioritizes unique and restorative experiences over mass tourism by offering exclusive access to mineral-rich hot springs in a private setting.
Competitors in the wellness industry have begun to explore similar models, but only some can rival Private Hotsprings’ distinctive offerings. The company’s first-in-the-world infinity-edge pools and meticulous curation of guest experiences give it a significant edge.
The Next Phase
Despite these challenges, the Genzers remain optimistic about the future. Their dual focus on Private Hotsprings and Lithios Beverages allows them to innovate within two complementary markets.
The next phase of their journey includes expanding Lithios Beverages across the U.S., emphasizing sustainability and transparency. Lithios Beverages has opened up its next round of funding to scale its operations.
The Genzers are also exploring ways to share their story with a broader audience. “We want investors and guests alike to understand the heart and vision behind what we do,” Tina says. “It is not just about running a business, it is about creating something meaningful and lasting.”
Tina and Alex Genzer have created an example of success that other industry players will undoubtedly seek to emulate by blending luxury with nature and leveraging their lithia-rich waters for global impact.
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