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出国保险价格影响因素

出国保险价格影响因素

由于今天市场上的保险产品种类众多,再加上很多保险代理商和保险网站提供相似的保险产品,所以,大家在选择出国保险时会有很多的选择。因此,很多人对保险价格的制定和为什么别人购买的保险的价格不同于自己购买的保险价格而好奇。

不会影响保险价格的因素

首先,您在哪里购买保险是不会影响保险价格的。无论您是在哪里购买出国健康保险,只要是同款保险,保险的价格将会是永远相同的。因为保险的价格受法律严格管理,同款保险出现不同的价格是非法的,所以保险的价格不会因为通过保险代理,网站或直接在保险公司购买而不同。

这样您可以专注于保险的内容和卖家的服务,而不是讨价还价的技能。

影响保险费用的因素

影响出国健康保险费用的因素有很多,列举如下:

  • 保险种类

    出国健康保险主要分为两类:

    • 固定额度赔付保险: 每项医疗项目支付固定的有限额度且剩余差价由投保人自己支付,这样的保险是低价保险产品。

    • 全面额度赔付保险: 以百分比的形式支付且投保人支付有限的医疗费用。这样的保险价格稍高。

  • 选择的保险

    不同保险公司的各种保险产品价格是不同的,即使其它因素是一样的。

  • 年龄

    通常,老年人的健康状况要稍逊与年轻人的健康状况。当然也完全有可能有些老年人的身体状况比年轻人的健康状况还要好。 但是出国健康保险不是根据体质来承保的,岁数大的人保险费用要高一些。 保险公司会通过特定年龄群体的总体平均健康状况来决定保险价格。

  • 承保时间

    大多数旅游保险是以天计费的。因此,您只需购买您实际旅游天数的保险。当然,6个月的保险价格会自然会高于一星期的保险费用。因为保险以天计费,所以31天的保险价格自然会高于30天的保险价格。即使有些人以整月续保,如果保险是以天收费,您每月的保险价格也许会因为特定月份的天数不同而变化。

  • 保险额度

    保险额度是保险公司对符合要求医疗费用的 最高赔付额度。您选择的保险额度越高,您支付的保险费用也会越多。

  • 自付额

    自付额是保险公司在支付符合要求的医疗费用前您选择支付的费用。您选择的自付额越高,您的保险费用会越低。同理,您选择的自付额越低,您的保险费用会越高。

  • 国籍

    因为非美国公民的目的地通常包括医疗费用非常昂贵的美国,所以很多保险产品对于非美国公民的保险费用要高于去美国以外国家的美国公民的保险费用。

  • 承保区域

    如果您的保险承保区域包括美国,那么您的保险费用要比承保区域不包括美国的保险费用高。当然,如果您的行程包括美国,您需要选择覆盖美国的保险。

    因为美国的医疗费用是世界上最高的,所以“美国”、“美国及旅行期间”和“国际包括美国”在保险价格上通常是相同的。因此,只要承保区域包括美国,您需要支付更高的保险费用。

  • 未成年儿童

    很多保险对10岁以下的随行儿童提供免费承保,因此,建议出行包括孩子的家庭可以选择这样的保险,这种保险被称为“家庭套餐保险”。

  • 附加选项

    • 原有疾病: 很多旅游保险承保原有疾病的急性发作且无需支付额外费用, 然而,很多保险对于原有疾病的有限承保也许会收取更高的费用。

    • 冒险运动: 如果您在旅行中打算参加如喷气式滑水车运动,潜水,蹦极,滑雪等冒险运动,这些项目通常是不在保险承保范围的,您需要支付额外的费用购买承保这些冒险运动的附加条款。由于每一个保险的承保和不承保的内容不同及附加保费也许会不同,请核实不同的保险以确保您即将从事的具体运动是否属于保险承保范围。

    • 其它: 很多保险可增添行李箱丢失或提高意外受伤和死亡保额的附加承保内容。

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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