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Inbound® Guest

非美国公民美国旅游的医疗保险

5 天 至 180 天

Inbound Guest 保险如何支付 - 介绍

首先

包括就医,每次事故(受伤或生病)支付一次自付额。

然后

保险根据保险给付表支付固定金额, 您要支付差额。

概述

Inbound Guest 是一款很受欢迎的美国旅游固定额度保险。您可以通过本网站快速获取保险报价和购买, 保险最早可选择次日生效或在您指定的未来任何一天开始。购买保险后, 您将通过电子邮件收到电子保单。保险卡和保险合同会在几个工作日内邮寄到您美国的地址。

保险承保/不承保什么?

Inbound Guest 主要承保保险生效后可能发生的新的医疗状况, 受伤或事故。Inbound Guest 旅游保险不承保任何与原有疾病,常规体检, 免疫接种或生育相关的费用。但是, 保险在保单期间可承保70岁以下人士原有疾病急性发作至最高保额。

处方药根据保险给付支付至您选择的最高保额。保险不承保牙科。您可以选择质优价廉的 CAREINGTON 牙科产品。

Inbound Guest 也可承保美国境内及旅途时间。

如何使用保险?

详情请参阅此处

赔付金额?

首先, 在保险开始支付任何符合要求费用前, 您每次事故(受伤或生病)包括就医需要支付自付额(从$0到$200不等)。您需继续支付所有金额直至达到自付额。自付额不只限于住院, 保险没有共付额。

自付额只适用于符合要求的费用。

支付自付额后, 保险根据保险给付支付固定金额至最高保额。由于您需要支付超出保险赔付外的其余所有差价费用, 您自己支付的费用没有上限。

承保项目, 受伤 & 疾病最高赔付额度

出生14天至
年龄69岁
$25,000 最高保额
每次受伤/生病
$45,000 最高保额
每次受伤/生病
$65,000 最高保额
每次受伤/生病
$85,000 最高保额
每次受伤/生病
$120,000 最高保额
每次受伤/生病
门诊或紧急护理 每次最高 $50
每天1次, 最多10次
每次最高 $60
每天1次, 最多10次
每次最高 $65
每天1次, 最多10次
每次最高 $75
每天1次, 最多10次
每次最高 $100
每天1次, 最多10次
处方药 每个承保期最高至 $150
每个承保期最高至 $250
每个承保期最高至 $115
每个承保期最高至 $135
每个承保期最高至 $180
医院急诊室最高 $215最高 $295最高 $395最高 $485最高 $660
X射线诊断& 实验室服务 最高至 $295 - 额外 $250
一次CAT扫描,PET扫描或MRI
最高至 $405 - 额外 $250
一次CAT扫描,PET扫描或MRI
最高至 $465 - 额外 $375
一次CAT扫描,PET扫描或MRI
最高至 $485 - 额外 $450
一次CAT扫描,PET扫描或MRI
最高至 $600 - 额外 $500
一次CAT扫描,PET扫描或MRI
住院病房 & 膳食费及杂费 每天最高至 $910
最多30 天
每天最高至 $1,260
最多30 天
每天最高至 $1,565
最多30 天
每天最高至 $1,725
最多30 天
每天最高至 $2,340
最多30 天
重症监护室 额外每天 $430
最多8天
额外每天 $595
最多8天
额外每天 $720
最多8天
额外每天 $790
最多8天
额外每天 $1020
最多8天
外科手术最高至 $2,150最高至 $2,970最高至 $3,960最高至 $4,840最高至 $6,600
救护车服务最高至 $295最高至 $450最高至 $450最高至 $475最高至 $475
年龄70岁至年龄99岁每次受伤/生病最高保额 $40,000 每次受伤/生病最高保额 $60,000 每次受伤/生病最高保额 $100,000
门诊或紧急护理每次最高至 $45, 每天1次, 最多10次每次最高至 $65, 每天1次, 最多10次每次最高至 $100,每天1次, 最多30次
处方药每个承保期最高至 $250 每个承保期最高至 $250 每个承保期最高至 $250
医院急诊室最高至 $208最高至 $300最高至 $480
X射线诊断 & 实验室服务最高至 $330 - 额外 $250 - 一次CAT 扫描, PET 扫描 或 MRI最高至 $480 - 额外 $300 - 一次 CAT 扫描, PET 扫描 或 MRI最高至 $780 - 额外 $300 - 一次 CAT 扫描, PET 扫描 或 MRI
住院病房 & 膳食费及杂费每天最高至 $870, 最多30天 每天最高至 $1,260, 最多30天 每天最高至 $2,050, 最多30天
重症监护室额外每天 $380, 最多8天 额外每天 $550, 最多8天 额外每天 $900, 最多8天
外科手术最高至 $2,285最高至 $3,300最高至 $5,365
救护车服务最高至 $450最高至 $450最高至 $880

举例:

假如您选择了$45,000最高保额和$50自付额。

  • 假如医生每次收取$140且您需要就医4次。
    每次就医, 保险支付$60。您已经支付了$50自付额且自付额已经付清。保险将支付您$10。您第二次就医, 由于您自付额已经支付, 保险会支付$60。 同一事故的连续就医, 保险每次最多支付$60, 每天限1次, 最多就医30次。

  • 假如您因其它事故去了急诊, 急诊室收费$2,400, 保险最多支付$295。由于您还未付清自付额, 此保险将为您支付$245, 您需要支付剩余的$2,155。

  • 假如您由于事故住院3天并手术一次, 总医疗费用是$40,000。保险将支付3天且每天$1,260的住院病房和$2,970的手术费用。

    $1,260 x 3 = $3,780 + $2,970 = $6,750 - $50 = $6,700
    $40,000 - $6,700 = $33,300

    被保险人需承担 $33,300。

好处更新:2017年02月22日

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.