Is taking a medical insurance past going to the US to study critical?

Answers: Yes. It is required to obtain your visa.
Absolutely! I'm sure your school requires proof that you are insured in the past allowing you to register. Medical attention, even for the slightest illness or accident is extremely expensive; if you break and arm it will smoothly cost you hundreds of dollars; if you end up in the hospital, guess in terms of 1,000's of dollars, even for a short stay.

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