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Tokio Marine HCC - MIS Group 旅游医疗保险 – 加州须知

Atlas 旅游医疗保险 - 加州须知

在申请 Tokio Marine HCC - MIS Group 保险时, 我收到以下通知:

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.

我的父母是中国公民且他们正在美国探亲。他们将在我加州的住址与我一起生活。请问我可以为父母购买 Atlas America 或 VisitorSecure 保险吗? 您能解释一下此须知的含义吗?

此须知完整内容十分复杂, 但是我们尽可能以最简单的方式来解释。以下的问题/答复以到加州旅游的中国父母为例;但是, 它也适用于任何到加州旅游的外国旅客。

为什么我会得到此通知?

您收到此通知只是因为您填写的是加州的地址。

它只是说您购买的保险不受加州政府管辖且加利福尼亚政府不管理此保险。您的父母是到到美国旅游的游客且可到美国任何地方旅游。此情况, 保险不受加州的管辖。

最重要的是,如果您父母在加州旅游时不能购买此保险,他们则不允许购买此保险。但是此须知由保险公司自己发布。如果有错误或可疑,您可通过其它通道了解,保险公司也不会提供这样的信息。

我可以为在加州旅游的父母购买保险吗? 这样做是否安全?

您绝对可以为您在加州旅游的父母购买 Atlas America 或 VisitorSecure。许多客户经常为到加州探亲旅游的父母购买此保险。

此通知只是说, 如果您是加州居民且想购买此保险在加州使用,您或许不可购买此保险。您当然可以为您到美国旅游的父母购买此保险, 或者您的父母也可以自己购买。

如果我父母在加州期间生病或受伤,保险是否会承保?

如果您购买了此保险且您的父母在加州生病或受伤,他们仍然会被按照保险合同和条款予以承保。

什么保险受加州的管辖?

美国各州的保险法律法规并不相同。(其它如驾驶法则, 酒类法则, 婚姻法则等)各州保险业务由该州保险部门控制监管。因此加州的保险部门则监管加州的业务。

什么是加州业务? 如果您是加州的居民并从一家位于加州的公司购买保险,您购买保险的代理商拥有加州执照且保险在加州使用, 这显然是加州业务。例如, 一位居住在加州弗里蒙特市的美国公民通过加州圣何塞市的代理公司购买了打算在加州居住期间使用的Blue Cross保险(或任何其它美国公司), 那么这明显是加州政府管辖的加州业务。 他们被加州政府授权即“被承认”公司。当您背离这个简单且清楚的案例时,它会变得更加不明确。

每个州都有自己的法律底线以使所有保险公司必须满足要求才能在该州做开展业务。让我们假设健康保险在生效3个月之后必须承保原有疾病。所有美国公司都必须遵守此规定。但是,由于他们不希望冒险承保游客的原有疾病,所以他们不愿意为游客提供同样保险。

什么是保险保证基金,它又有何帮助?

每个州政府都有一个保险保障基金以防止在所在州获得许可的保险公司破产或无法支付合法理赔, 州政府可以从基金中支付此款项以保证不压垮被保险人。

此通知意为此保险不受加州保险部的管辖,所以如果保险公司因破产无法赔付, 加州部门将不会支付。

请阅读以下常见问题并了解 Lloyds 更多内容。

什么是溢额公司,为什么我需要通过他们购买保险?

保险公司在特定州被允许开展业务并向特定州居民提供保险。如上所述, 这些公司都必须满足政府要求的最低标准。此类公司被称为居民健康保险公司, 如Aetna, Cigna, United HealthCare, Blue Cross Blue Shield等; 他们被认为是被特定州“承认”或“许可”。

溢额保险公司可承保普通居民医疗保险公司不予承保的客户,它们不受限于特定州保险部门的所有条件限制。国家保险专员协会(NAIC)保留了他们认定的合理且稳定的公司的合格的承保商名单。Lloyds (Atlas 保险, Inbound 保险等), Sirius International (IMG 保险比如 Visitors Care, Patriot America 等)属于 溢额保险公司名单。请注意NAIC拥有此名单的目的是为了保护自己的居民而不是到美国的游客。但是, 大多数这样的公司为高风险的美国居民, 美国居民出国旅游以及到美国的游客提供保险, 您可以依照此名单并通过一家优质公司获取旅游保险。

您能提供关于保险承运商的详情吗?

伦敦 Lloyds's 是历史上最悠久, 规模最大的保险机构。Lloyd's 是由保险承保商组成的团体。在 Lloyd's 的人员自豪他们从来没有拖欠任何合理的赔付。这个独一无二的组织也经受住了过去三个世纪以来由自然或人类造成的战争与和平,萧条,衰退及每一个灾难。Lloyd's 年度保费额超过$360亿美元且在美国超过三分之一。

Lloyds 是加州批准的溢额保险公司。

即使在金融危机和经济不景气的情况下, 他们也支付了所有合理的索赔且从来没有寻求任何政府帮助。

旅游保险的管辖范围是什么?

如果您居住在加州并想为您中国国籍或在中国永久居住的中国父母购买保险, 您可以访问我们服务器在弗吉尼亚州的 Insubuy.com 网站, 如果您有任何问题可打电话给我们在德克萨斯州的办公室, 我们将为您提供来自位于印地安那州的 Tokio Marine HCC - MIS集团的保险(举例), 保险提供商来自位于英国伦敦的Lloyds, 管辖范围是什么呢? 其实没有明确的答案。这种情况,为什么加州政府要为其交易负责呢?他们不应该负责。这不仅是一家公司的情况,而是所有公司且您没有更好的选择。

为什么这个保险不受加州管辖?

如上所述, 一个到美国旅游的游客可以在美国任何地方旅游而不仅在加州。游客住在您在加州的房子里4个月或每天去不同的地方或不同州如迪斯尼乐园, 拉斯维加斯, 大峡谷, 尼亚加拉大瀑布, 奥兰多, 华盛顿特区, 纽约市并没有实质区别。保险公司没有理由在您每个旅游的地方都获得许可。

让我们再举一个例子。您决定前往欧洲旅行两周并游览英国, 法国, 德国, 意大利, 西班牙, 瑞士, 荷兰, 比利时, 奥地利, 葡萄牙等十个国家。保险公司是否应该在您所旅行的每个国家都获得许可呢?不需要且也没有理由。这与不在加州获得许可的原因是没有区别。

为什么我父母的保险不受加州管辖?

您的父母只是在美国的游客。

他们是加州的居民吗?他们在加州工作吗?他们有加州的驾照吗?他们在加州缴税吗?他们接受信件地址在加州吗? 他们在加州拥有或租用房子或公寓吗?如果大多数此类问题的答案是否定,这也是为什么他们的保险不受CA管辖。

我还是感到不放心, 您还有什么其它选择?

如果您仍然对此感到担心,您可以购买此网站上的其它旅游保险。但是,它们也不受加州政府管辖和管制,这是因为游客保险与加利福尼亚当地无关。如果其它保险没有显示类似的通知, 它并不一定代表他们拥有加州政府授权。

当然中国的旅游保险也不受加州政府监管,而是由中国政府监管。

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.