Q&A

Where can I find my policy brochure?

Go to the Purchase page and click on View Insurance - View Insurance Plan. The policy brochures are drafted in English, but you can see the key benefits of the plan in Chinese for your convenience. Also, after your enrollment, you will also receive your policy brochure for future reference.

What benefits do Tigerless plans offer?

Our plans mainly include benefits such as hospitalization, physician consultation, emergency room service, prescription discounts and etc. In addition, some plans cover services like annual physical exams, immunizations/vaccines (HPV), maternity care, and etc. Also, we recommend you to take deductible, coinsurance, and out-of-pocket maximum into consideration when selecting a plan.

Do Tigerless plans provide dental or vision insurance?

No. Dental & vision plans are sold separately in the U.S. However, our plans cover emergency dental related to accidental injuries.

What is "Deductible‘’?

Deductible is the amount you will have to pay before the plan benefits are applied. For example, if your plan has a $500 deductible, you will have to spend $500 on medical expenses during your period of insurance before your policy pays any benefits.

What is "Coinsurance"?

Coinsurance is the percentage of which your plan will cover on the service you receive, after you have paid your deductible and copay. For example, if your plan goes with coinsurance 80%, then after deductible, you will need to pay for 20% of billing and insurance will cover 80% of billing.

What is “Out-of-Pocket Maximum”?

Out-of-pocket-maximum is the maximum amount you will have to pay during the plan year. Once you reach the corresponding amount, your plan will pay 100% of eligible covered expenses for the remainder of the plan year.  

What is "In-Network Provider"?

In-Network Providers are the doctors, hospitals, and pharmacies that have agreed to accept a Preferred Allowance as payment in full with the insurance company. We recommend you to select those in-network providers in order to save on medical expenses and to avoid the reimbursement procedures.
 
 

How can I check the status of my claim?

To check the status of your claim, you can contact insurance company directly with info on your insurance ID card. If you need any additional assistance, you can always reach us at 1-866-996-0777.

How long does it usually take for a reimbursement to be processed?

You only need to file a claim when you pay up front for your medical expenses. Claims sent through e-mail will usually be processed faster, you will normally get reimbursed within 15-25 business days.

What information do I need to offer when I file a claim?

We recommend you to collect doctor's Medical Certificates, Prescriptions, and Payment Receipts. Please remember to record the following information as they will be very helpful in your claim procedure: name of provider, date of service, diagnosis code, procedure code and provider's id number which are normally found on the prescription record and receipt.

How can I file a claim?

In general, if you choose an in-network provider, you won’t pay up front for your medical expenses and will, therefore, avoid the reimburse procedures. If you have to pay the full amount at the time of service, please collect all your bills/invoice and contact our customer service representative. We will assist you in filing your claim.

Who is eligible to purchase our insurance plans?

Tigerless dedicates in providing affordable and reliable health insurance plans for international students and visitors. Our products cover all visa types, including F1, F1-OPT, F2, J1, J2, B1, B2, and Schengen. Whether you want to waive your F1 student insurance plans, purchase an OPT insurance after graduation, purchase travel insurance, visit Europe for academic exchanges or insure for your spouse or children, Tigerless will find the best plans that meet your needs.

When does my plan become effective?

Our health insurance can be effective as early as the second day after your purchase.

Can I buy a plan on a monthly basis? What are methods of payment?

YES. You can purchase our plans on a monthly basis. However, the required coverage period may vary depending on the plan you selected. We accept payment through credit card, debit card, checks, cash and PayPal.

Will I receive a paper copy of my insurance card?

NO. Your digital ID card will include all the information you need (e.g. ID#, policy#, and etc.) to see a doctor and to file a claim. You can access your card on your mobile anytime, anywhere.  

How do I purchase a plan? Do I need to provide my Visa and/or other documents?

Please select and purchase an insurance plan based on your immigration/visa status. You don’t have to provide your visa documents when purchasing a plan.

What proof will I receive after my purchase?

Once your purchase is completed, you will immediately receive a digital insurance ID card along with your plan brochure. You will use your insurance ID number and other personal info on your card for doctor visits and filing claims.

Can I cancel or get refund after my purchase?

NO. You are NOT allowed to withdraw or get refund for any reasons EXCEPT our health insurance plan does not meet school waiver requirements. We promise a FULL refund within 30 days after your purchase, if you provide official rejection evidence from your school.

I am about to graduate, which insurance should I purchase ?

Your school insurance will not provide any coverage after your graduation. Therefore, we recommend all graduating students to purchase a OPT Insurance that will be effective the next day after your commencement.

Can I purchase health insurance while I am under OPT? What if I am in my 60-day Grace Period?

YES. You can purchase our OPT insurance as long as you have submitted your OPT application. It is okay if you are in your 60-day Grace Period.

I hold F-1 visa, can I purchase health insurance for my spouse and/or children (F-2 visa)?

YES. You can add your spouse and/or your children when purchasing your F-1 student insurance. However, the premium for your dependents is much more expensive. As an alternative, we have designed plans specifically for F-2 visa holders, which are more low-cost.

My parents will visit me in the U.S. soon. Which insurance plans can I purchase for them? Are there insurance plans for B1/B2 visa holders?

Yes. Tigerless has insurance plans specially for travel visa holder, which mainly covers accidental injury, sickness hospitalization and accidental death.

Can a visiting scholar buy insurance? Can I buy insurance if I haven't received my J1 visa?

Yes. We have insurance plans for visiting scholars. If you have not received your J1 visa, you can choose to purchase your insurance plan based on your program start time or your arrival date.

I am going to Europe for traveling and/or academic exchange. Do you have Schengen visa insurance?

Generally speaking, applying for a Schengen visa needs proof of adequate health insurance. Each European country have different insurance coverage requirements. Our Schengen visa insurance plans can meet most of those insurance requirements.

How can I contact Tigerless if I have other concerns and questions?

You can either contact us via WeChat or reach us at 1-866-996-0777.

What should I do if my school rejects my waiver request?

The insurance waive application may be rejected by a variety of reasons. For example, filling a wrong waive form, personal information mistakes, etc. If the above reasons occur, please contact our customer representatives right away, we will deal with your issues as soon as possible.

School has approved my insurance waiver request. Why am I still charged for the school plan?

It usually takes 15-30 business days for your school to process the refund. If you have not received your refund after 30 business days, please contact your school for more information. The refund will appear on your student account before being credited to your bank account.

Does Tigerless plans meet my school’s waiver requirements?

Tigerless carefully selected insurance plans for each school based on their specific requirements, so our plans are the perfect substitutes for your school plan. Yet, if your waiver is denied, please contact our customer service for help.

What is Insurance Waiver?

Medical expenses can be extremely expensive in the U.S. That’s why most schools require all full-time students to maintain health insurance coverage while at school. Some school plans are rather expensive because they include additional benefits, which most international students may not need. Tigerless has carefully designed plans that are more affordable and reliable for all international students while meet all your school requirements.

Can I waive my school health insurance? How to waive? What document do I need to provide?

Most universities in the United States allow international students to waive their school health insurance. Tigerless offers waiver process for each school. In general, your insurance card and insurance policy are sufficient to meet all the requirements of your school.