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F1学生保险要求

F1学生保险要求'

您需认真核实 F1学生保险要求以确保您购买的医疗保险符合学校保险要求。

有些学校提供学生团体健康保险,但是也允许国际学生通过其它公司购买符合学校要求的医疗保险。F1学生保险必须满足学校保险豁免表格上的最低要求。

  • 美国有上千所院校,每所院校豁免表格的保险要求也不尽相同,学校将根据其它保险是否符合学校保险要求以决定学生是否可以豁免学校保险。

但是,很多学校都有如下基本共有保险要求:

  • 合理的最高保额

    最高保额是指学生生病或受伤时保险公司将支付的最高金额。最高保额可由$50,000至无限保额不等。很多学校要求学生保险的最高保额为$200,000至$500,000不等。

  • 低自付额

    自付额是指保险公司开始赔付前,学生自己选择支付的金额。很多学校要求学生选择$0-$500的低自付额以避免学生支付高额的医疗费用。

  • 高比例共同保险

    您在支付自付额后,保险公司会按照规定比例支付医疗费用,例如保险公司支付某个额度的80%,之后通常支付100%至最高保险额度。很多学校要求保险公司至少支付80%至最高保额。

  • 原有疾病

    原有疾病是指在保险生效之前固有的伤病。很多学校要求保险承保原有疾病。有些要求无等待期,但是大多院校允许6个月或12个月的等待期。

  • 生育

    很多学校要求国际学生保险要承保生育。很多学校对具体承保生育金额无具体要求,但是要求保险对产前、生产和产后高比例支付(PPO网络内保险支付80%)。

  • 美国公司

    很多学校要求国际学生的保险为美国的保险且保险理赔在美国受理、公司拥有美国当地电话号码且保险材料为英文。

  • A. M. Best 评级

    很多学校要求国际学生医疗保险公司的A. M. Best 的评级为至少为A-。

  • 心理健康

    很多留学生无法承受国外紧张的学习与远离家人的异国生活。留学生可能会情绪低落或导致其它的心理疾病。所以,很多学校要求国际学生保险承保心理健康内容。学校或许要求包括心理健康的住院和门诊或其一。具体的保险额度或许因学校而异,赔付形式或许为每次固定美元金额或百分比赔付。

  • 处方药

    很多学校要求国际学生健康保险覆盖包括避孕药物的处方药。

  • J签证保险要求

    美国联邦政府 J签证保险最低要求 , 这也是很多学校的F签证保险要求:

    • 紧急医疗运送

      保险必须覆盖至少$50,000 的紧急医疗运送: 紧急医疗运送是指将被保险人转移到就近的可提供充分治疗的医疗机构。

    • 身故遗体返送

      保险必须覆盖至少$25,000的 身故遗体返送。身故遗体返送支付被保险人在美国身故后的遗体或骨灰返送回其本国的费用

    为了方便师生,很多学校的保险 要求既适用于F签证学生也适用于J签证访问学者。很多学校的F签证保险要求也是依据J签证保险要求但是稍有变化,例如将每次事故的最高保险额度从$100,000提高到$200,000。

  • 当地的医疗机构

    很多学校要求您购买的学生医疗保险可在学校当地的医疗机构就医。我们提供的大多数保险参与美国很多医疗机构广泛参与的PPO网络。

不同学校的保险要求或许不同,有些学校还经常更改保险要求。由于学校的保险要求更新很快,所以根据所有院校保险要求信息库为您推荐保险是不现实的。

最好的方法是联系我们并提供包括您学校国际学生健康保险要求的豁免表格。我们会根据您学校的保险要求为您推荐既满足学校要求又最适合您的医疗保险。请不要将您的学校保险产品发送给我们,否则我们无法获知您学校的保险要求并为您提供符合学校要求的医疗保险。我们必须根据您学校保险豁免表格的信息为您推荐最适合您的医疗保险。

总之,如果学校要求您必须购买PPACA保险,我们则无能为力。

您知道吗?

保险价格受法律约束。

相同保险不会出现不同的价格。

了解更多

为什么选择云舒保®?

相同价格。更优服务。

选择云舒保®有很多优势而没有任何劣势。

了解更多

赴美旅游?

美国的医疗费用非常昂贵。

购买美国的旅游保险并享受您的美国之行。

了解更多

出国旅游?

您的居民保险或许不覆盖境外区域或只提供有限境外保障。

购买包括紧急医疗运送的旅游医疗保险。

了解更多

美国新移民?

您移民美国的前五年不能参加Medicare。

购买新移民医疗保险以弥合无保险缺口。

了解更多

旅游度假?

如果您必须取消您的行程, 您或许将损失您无法退还的行程费用。

购买行程取消保险综合保险以让您的行程无忧无虑。

了解更多

您是到美国交流访学吗?

美国联邦政府要求所有的J签证人员购买符合要求的医疗保险。

购买满足您学校要求的J签证医疗保险。

了解更多

到欧洲旅游?

申根国家要求大多数非美国公民购买申根签证保险。

立即在线购买并立即获得签证保险证明函。

了解更多

每年多次出国?

您无需每次出国都购买出国保险。

为您的出国购买每年多次出国保险。

了解更多

美国留学?

大多数学校要求国际学生购买健康保险。

购买满足大多数学校要求的国际学生健康保险。

了解更多

To continue with the application please scroll down to confirm this notice

CALIFORNIA RESIDENTS SPECIAL NOTICE

1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.

2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.

3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.

4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THE CALIFORNIA DEPARTMENT OF INSURANCE AT THE FOLLOWING TOLL-FREE TELEPHONE NUMBER 1-800-927-4357. ASK WHETHER OR NOT THE INSURER IS LICENSED AS A FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND FOR ADDITIONAL INFORMATION ABOUT THE INSURER. YOU MAY ALSO CONTACT THE NAIC’S INTERNET WEB SITE AT WWW.NAIC.ORG.

5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN THE UNITED STATES AND YOU MAY CONTACT THAT STATE’S DEPARTMENT OF INSURANCE TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE UNITED STATES AND SHOULD BE ON THE NAIC’S INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF APPROVED NONADMITTED NON-UNITED STATES INSURERS. ASK YOUR AGENT, BROKER, OR “SURPLUS LINE” BROKER TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

7. CALIFORNIA MAINTAINS A LIST OF APPROVED SURPLUS LINE INSURERS. ASK YOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, OR VIEW THAT LIST AT THE INTERNET WEB SITE OF THE CALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.

8. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCE POLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGE BECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY BROKER’S FEE CHARGED FOR THIS INSURANCE WILL BE RETURNED TO YOU.

07/11
LSW1146D

Cuba Notice

Travel to Cuba remains subject to restrictions imposed by U.S. sanctions, administered by the US Treasury. Only those who qualify for travel authorized under US Treasury's regulations and who comply with the terms of such authorization can legally travel to Cuba. Individuals traveling to Cuba must meet the following criteria in order to qualify for travel authorized under one of the general licenses outlined below:

Criteria for travel authorized by the US Treasury

If you have read and agree to the terms of both Notices: California and Cuba, please click the continue button if you wish to complete the application process. Otherwise, please click cancel to abort the application process.

To continue with the application please scroll down to confirm this notice

CALIFORNIA RESIDENTS SPECIAL NOTICE

1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.

2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.

3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.

4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THE CALIFORNIA DEPARTMENT OF INSURANCE AT THE FOLLOWING TOLL-FREE TELEPHONE NUMBER 1-800-927-4357. ASK WHETHER OR NOT THE INSURER IS LICENSED AS A FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND FOR ADDITIONAL INFORMATION ABOUT THE INSURER. YOU MAY ALSO CONTACT THE NAIC’S INTERNET WEB SITE AT WWW.NAIC.ORG.

5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN THE UNITED STATES AND YOU MAY CONTACT THAT STATE’S DEPARTMENT OF INSURANCE TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE UNITED STATES AND SHOULD BE ON THE NAIC’S INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF APPROVED NONADMITTED NON-UNITED STATES INSURERS. ASK YOUR AGENT, BROKER, OR “SURPLUS LINE” BROKER TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

7. CALIFORNIA MAINTAINS A LIST OF APPROVED SURPLUS LINE INSURERS. ASK YOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, OR VIEW THAT LIST AT THE INTERNET WEB SITE OF THE CALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.

8. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCE POLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGE BECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY BROKER’S FEE CHARGED FOR THIS INSURANCE WILL BE RETURNED TO YOU.

07/11
LSW1146D

If you have read and agreed to the terms of this notice and wish to continue, please click the continue button. Otherwise, please click cancel to abort the application process.

Cuba Notice

Travel to Cuba remains subject to restrictions imposed by U.S. sanctions, administered by the US Treasury. Only those who qualify for travel authorized under US Treasury's regulations and who comply with the terms of such authorization can legally travel to Cuba. Individuals traveling to Cuba must meet the following criteria in order to qualify for travel authorized under one of the general licenses outlined below:

Criteria for travel authorized by the US Treasury

I certify that I have read the above and that all individuals applying for coverage qualify for travel authorized under one of the general licenses per US Treasury regulations.

Reset Application

Pressing “CONFIRM” will reset the whole application and erase all the data previously entered.

If you have already saved this application, you will still be able to retrieve the application with the information previously entered. Details for retrieval would have been given at the time of saving, which can be done any time after the initial quote.