PSI International Student Insurance

PSI (Professional Service, Inc.) has sold student-specific health coverage online for years, aimed squarely at keeping premiums affordable for students on a tight budget while still meeting the minimum benefit levels most US schools require for an F-1 or J-1 visa holder. Plans cover hospitalization, outpatient treatment, and prescription drugs, with the exact deductible and coinsurance split depending on the plan a student's school accepts.

Pre-existing conditions typically aren't covered in the first plan term, a standard exclusion in this category, and students should confirm directly with their school's international office that a specific PSI plan meets the waiver requirement before enrolling, since requirements vary noticeably between institutions. Sign-up and confirmation happen entirely online, which matters for a student trying to clear an enrollment requirement quickly before a semester deadline. It's a reasonable budget-focused option once a student has confirmed their school will actually accept it.