美国留学医疗保险和出国留学医疗保险
StudentSecure留学医疗保险计划适合在美国或其他国家留学的留学生和访问学者
StudentSecure留学医疗保险计划适合在美国或其他国家留学的留学生和访问学者
StudentSecure计划为留学生或访问学者提供四款不同级别的方案: Smart，Budget，Select及Elite – 为您提供从满足基础要求到最全面保障的方案。计划可选择按你所需要的日子购买(最少15天起)或按月购买(并且可以自动按月扣款)。
计划符合大部分美国院校和各国政府的基本签证保险要求(四个级别都符合美国国务院规定的J1签证保险要求)。 另外，持有J1签证和F1签证(包括OPT期间)的赴美留学生或访问学者都符合资格投保StudentSecure美国留学医疗保险计划，也适合持F1签证去美国就读ESL或美国高中的留学生投保。请注意：家属(F2,J2, B1/B2)等不能单独投保StudentSecure保险计划，也不能加在留学生或访问学者的计划里。
| 适合F1留学生、J1访问学者、或在OPT期间的F1留学生 | 可选择按月自动扣款(月供) | 最多能续保至4个保单年度 |
| 计划包含电子方式远程就诊(Telemedicine) | 计划使用美国最大医疗网络之一的 UnitedHealthcare PPO | 可随时在线管理你的计划 |
| 计划等级 | 最高保额 | 免赔额/起赔额 每宗疾病/受伤 (在医疗网络内就医) | 计划小册子 | 每月保费 * (覆盖美国) |
|
|---|---|---|---|---|---|
| 在线投保 | Smart | $200,000 |
$50 per injury/illness (in-network) |
$30 | |
| 在线投保 | Budget | $500,000 |
$45 per injury/illness (in-network) |
$48 | |
| 在线投保 | Select | $600,000 |
$35 per injury/illness (in-network) |
$99 | |
| 在线投保 | Elite | $5,000,000 |
$25 per injury/illness (in-network) |
$193 |
* 以上保费是24岁或以下留美学生并且不包含学校体育运动附加险的保费
如果你要去医疗机构(医院、诊所、家庭/专科医生)当面就医，请最好选择在UnitedHealthcare医疗网络内的机构。我们也建议先找家庭医生，Urgent Care 或 Walk-in Clinic (CVS/Walgreen)等机构接受治疗。
请在真正紧急情况下才使用医院的急诊室(Emergency Room)，在美国使用医院的急诊室需要支付更高更昂贵的医疗费用。
本计划由Lloyd's承保(underwritten)
|
Smart |
Budget |
Select |
Elite |
|
|---|---|---|---|---|
| 最高医疗保额 | 20万美元 | 50万美元 | $600,000 | $5,000,000 |
| 每宗伤害或疾病的最高保额 | $100,000 | 25万美元 | 30万美元 | 50万美元 |
| 免赔额 | $50 | $45 | $35 | $25 |
| 共同保险额度 |
In-Network: 80% of eligible expenses after the deductible up to the overall maximum Out-Network: Usual, Reasonable, and Customary (URC) |
In-Network: 80% of the next $25,000 of eligible expenses after the deductible, then 100% to the overall maximum Out-Network: Usual, Reasonable, and Customary (URC) |
In-Network: 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum Out-Network: Usual, Reasonable, and Customary (URC) |
In-Network: 100% of eligible expenses after the deductible to the overall maximum Out-Network: Usual, Reasonable, and Customary (URC) |
| 已存在状况/疾病 | 终身最高2.5万美元 - 仅适用于合资格已存在狀況/疾病的急性发作 |
12-month waiting period Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period |
6-month waiting period Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period |
6-month waiting period Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period |
| 怀孕生育保障 | 不理赔 | 最高上限$5,000 | 最高上限$10,000 | 最高上限$25,000 |
| 心理健康保障 |
Outpatient: $50 per day, $500 Inpatient: Up to $5,000 |
Outpatient: Max. 30 days of coverage. Inpatient: Max. 30 visits. Coverage includes drug and alcohol abuse. |
Outpatient: Max. 30 days of coverage. Inpatient: Max. 30 visits. Coverage includes drug and alcohol abuse. |
Outpatient: Max. 30 days of coverage. Inpatient: Max. 30 visits. Coverage includes drug and alcohol abuse. |
| 学校团队运动保障 | 不理赔 |
No Coverage Optional Team Sports rider available, please select that option to view pricing |
No Coverage Optional Team Sports rider available, please select that option to view pricing |
No Coverage Optional Team Sports rider available, please select that option to view pricing |
| 休闲、娱乐、健身等活动/运动 | 按保障条款覆盖 | 按保障条款覆盖 | 按保障条款覆盖 | 按保障条款覆盖 |
| 极限运动 | Some exclusions apply | Some exclusions apply | Some exclusions apply | Some exclusions apply |
| 紧急医疗运送/遗体运送回国 | $50,000 / $25,000 | 25万美元 / $25,000美元 | 30万美元 / $25,000美元 | $50万美元 / $5万美元 |