If you are planning to study abroad as an international student, then you need international student health insurance. But with the many health insurance providers in the market these days, its hard to know which one to choose.

Choose only international student health insurance packages that include prescription medication coverage, maternity coverage (for female international students), mental health coverage, sports coverage, and even terrorism coverage (regardless of where you plan to study).

Carefully read the provisions to find out exactly how much coverage is extended for every kind of disease or condition. If possible, ask someone who understands insurance jargon to explain the provisions to you if you are unfamiliar with insurance contracts.

The premiums you have to pay for international health insurance vary depending on your age. The younger you are, the lower your premiums. Expect to pay about $60 for full coverage and about $30 for budget coverage if you are under the age of 19. If you are already 30 years old or older, your rates may reach about $100. International students in their fifties can expect to pay more than $200. If you are a non-U.S. citizen, your insurance rates will be considerably higher by at least $10.

In some cases, international students who are fully sponsored by their government or an international organization may not need to apply for health insurance. Students with existing coverage as U.S.-based employees or as dependents of a U.S.-based employee may also be exempted. You may have to undergo screening and assessment, so be sure to ask your school about this at least three months before you leave.