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J1签证保险常见问题

J1签证保险常见问题

我可以只为我的配偶/孩子(J2)购买保险吗?

我们有多款J签证医疗保险,不同的保险计划对投保者资质要求也不同:

  • 对于有些保险,保险只承保J1签证主投保人。
  • 有些保险则只有在主投保人购买同款保险或主投保人通过担保院校购买保险, 随行家属(J2)才允许单独投保。如果主投保人是通过其它竞争保险公司购买的保险, 有些保险则不单独承保随行家属

请浏览 J1签证保险区域 并输入您的信息来获取适合您的保险计划。

有承保J1或J2签证怀孕内容的保险吗?

有些保险可以承保J签证怀孕要求,有些保险则不能。 不同的怀孕保险对投保者条件的要求也不同, 如果为主投保人(J1),那么有多款保险可以选择。如果投保人为随行家属(J2), 那么随行家属在主投保人投保时也有多款保险可以选择。

另外,如投保人在保险生效时已经怀孕,那么怀孕承保条款则不再适用,有些保险还会有等待期。

请浏览 J1签证保险区域 并输入您的信息来获取适合您的保险计划。

我的保险是通过学校购买的但是非常昂贵,我可以在您这里购买保险吗?

学校通常有学校的最低保险要求,保险必须满足学校的要求方可被学校接受。

请发送您学校的保险要求(通常是保险豁免表格)到 ofni ,我们会帮您选择满足学校要求的保险计划。请不要发送学校的保险计划, 因为我们从其它的保险计划上无法判断学校的最低保险要求。

请问保险豁免表格可以在保险购买前签署吗?

我们非常乐意帮助您完成保险豁免表格的签署,但是需要先购买保险。完成保险购买后, 投保人须先完成保险豁免表格投保人需要填写的部分,之后将需要签字的保险豁免表格发送到 ofni

如果您学校的保险豁免表格是网上在线表格,或有不同的要求,请以学校具体要求为准。

我为什么不能购买最高限额 $100,000的Visitor Care 保险?

美国国务院的 J签证保险标准 要求所有的J签证保险每次突发事件(生病,受伤,或事故)最高限额不得低于$100,000, 骨灰运送回国最高限额不得低于$25,000。但是, Visitor Care 提供$100,000的终身最高限额和 $7,500的骨灰运送回国费用,所以, 它不符合J签证保险要求。

但是您可以购买满足美国国务院保险要求的固定赔付额度保险 Inbound USA

我的学校要求购买满足 ACA 要求保险,您们的哪些保险可以满足要求呢?

我们不提供这样的保险。

请浏览 居民长期医疗保险。 请注意您只能在固定开放期或特殊开放期间购买美国居民医疗保险。

有没有可以覆盖避孕药物的保险?

没有。

我是J1签证,刚刚拿到了绿卡,我可以继续当前J签证保险吗?

不可以。也许您当前的保险距离保险截止日期还有一段时间, 但是您签证的变化使您当前的保险不再符合要求。所以,您在签证改变后的理赔要求也有可能被拒绝, 因为当事故发生的时候您已不再符合继续拥有当前保险的资格。

您们有承保$5,000以上校级运动内容的保险吗?

没有,在保险行业没有保险公司提供这样的保险。

我可以只购买紧急医疗运送和骨灰运送回国条款的保险吗?

可以。请注意适用要求,这意味着您仍然要在 J1 签证保险区域 购买。

您们的保险覆盖我孩子的疫苗吗?

不覆盖。这个属于预防保健,市场上的任何访问学者保险都是不承保预防保健内容的,包括 流感疫苗 在内的任何预防接种。

我可以使用您的保险在学生健康中心就医吗?

可以。对于大多数保险来说选择学校学生健康中心就医与选择PPO医疗系统内的医生就医是一样的, 有些保险对于学校学生健康中心就医还会优惠共付医疗费用。

我们学校要求年度免赔额保险,您们有年度免赔额的保险吗?

J1 签证可以购买 StudentSecure 保险

J2 签证可以购买Atlas AmericaAtlas Essential AmericaAtlas Premium America。 但是,在购买时请确保选择至少$100,000或更高额度的最高限额且不超过$500的免赔额以满足J签证保险要求。

由于先前不知道您公司,我们全家去年购买了学校的保险,请问保险可以更换吗?

如果可以,我们需要您提供更多的信息以保证我们可以为您和家人推荐最适合您们的保险。

我们在过去两年都是在您公司购买的保险,但是我们刚刚生了一个宝宝, 我们可以把宝宝加到我们的当前保险或需要另买保险?

如果宝宝是在美国出生,那么宝宝即是美国公民。所以,宝宝不能加入J签证保险。 但是,大多数J1签证保险计划可以自动承保新生宝宝的前31天,31天之后您需要为新生宝宝购买美国公民保险。

对于在美国出生的新生婴儿医疗保险,您可联系我们。

我的妻子和孩子打算在夏天回原籍国去看望她的家人。 但是目前我们全家都在一张保单上,据我所知,保险是不包括她们回国这段时间的。 我可以取消她们的保险而只保留我自己的保险,等她们回来以后重新为她们购买保险吗?

对于大多数保险都是可以的。

我已经购买了美国公民保险,我可以将其取消购买您公司的保险吗?

有些保险您是可以购买的,但不是全部保险都可以。所以,您最好联系我们, 我们将非常乐意为您推荐最适合您的保险。

我的担保机构要求保险从某天开始,但是这天已经过去,我可以从过去某个时间开始保险吗?

不可以,这是不可能的。事实上,这种做法在有些州是非法的。

暑期放假期间也得要求拥有J签证保险吗?

是的,只要您持有J签证,您就会被要求在您访学整个期间拥有满足J签证要求的保险。

您们可以提供最高限额无限的J签证保险吗?

请浏览 Geo Blue Navigator Student Insurance

但是,请注意它仍然不满足 Affordable Care Act(美国居民保险)要求且对国际居住者来说承保时间有限。

学校/雇主提供的保险不满足美国联邦政府对医疗运送和遗体送返的要求,我该怎么办?

为了满足美国联邦政府对J签证保险要求,保险需要承保特定金额的医疗运送和遗体送返。如果您学校/雇主提供的保险不包括紧急医疗运送与遗体送返,您可在线购买低价的紧急医疗运送与遗体送返保险

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.

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