 Indiana University |
  미국대학교보험Indiana University |
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본 홈페이지는 유학생, 교환교수, 비지팅스칼라, 포스트닥, 출장자 및 출국하시는 동반가족 분들이 가입 하실수 있는 보험입니다.
상담을 원하시면 상담요청을 작성 해주시거나 이메일을 보내주시면 됩니다.
실시간으로 상담을 원하시면 MSN 대화상대 추가를 해주시면 외국에 계시더라도 보상 및 보험 문의를 하실수 있습니다. |
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Indiana University 학교 제휴 보험과 저희 DB손해보험을 비교.
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Insurance Provider
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학교제휴보험 |
DB손해보험 |
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Life Maximum
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$100,000 |
Unlimited |
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Major Benefit
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$100,000 |
$50,000 per Sickness or Injury |
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Copayment
보험회사에서
보상하는비율 |
In Network: 100%
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100% |
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Out of Network: 50%
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Deductible
고객부담금 |
In Network :
$500 Per Covered Person Per Policy Year.
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No deductible |
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Out of Network:
$750 Per Covered Person Per Policy Year
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OUT-OF-POCKET
MAXIMUMS
년간 고객 부담금
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Individual $1,000 |
$0 |
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Prescription Drug
약값부담금 |
In Network : 약국시
100% of the Negotiated Charge, following a $20 copay for each Brand
Name Prescription Drug or
a $10 copay for each Generic Prescription Drug.
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$0 |
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Out of Network : 약국시
Not applicable.
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$0 |
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Premium
(Annual)
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Student:$892
Spouse:$2,133
Children:$1,619
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Student:약$480
Spouse:약$480
Child:약$480
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Requesting a Waiver
If you already have other health insurance coverage you may apply for a waiver from the mandatory plan. Not all insurance plans will qualify you for a waiver.
The minimum coverage requirements for waiver approval are as follows:
- $50,000 coverage for each sickness
- $50,000 coverage for each injury
- $10,000 medical evacuation to home country
- $7,500 repatriation of remains to home country
- Deductible (or excess fee) not more than $500 per sickness or injury (per person)
- $100,000 lifetime policy maximum
- Maternity Benefits (female students only)
To qualify for a waiver, students must have qualifying insurance for the entire coverage period. Students applying for Fall waivers, must have coverage for at least August 15th through December 31st. Students applying for Spring/Summer waivers, must have coverage for at least January 1st though August 14th.
All waivers are submitted through the iStart system. Regardless of the length of your insurance coverage, a new waiver must be submitted each semester.
The waiver deadline is always 10 days after the start of classes each semester. The electronic waiver form becomes available 30 days prior to the start of the semester
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보상하지 않는 손해
1. 기왕증(보험가입 이전에 가지고 있던 질환이나 신체적 장애의 치료 및 검사를 목적으로 발생한 비용)
2. 임신, 출산과 관련된 비용
3. 단순 건강 검사를 목적으로 하는 비용(시력 검사 및 건강 검진)
4 .예방접종비용 (학교 입학시 Immunization 포함)
5. 정신과 질환/행동장애
6. HIV(에이즈)
7. 비뇨기계장애(요로결석)
8. 비뇨기과 질환중N39 또는 요실금 |
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미국대학교보험 
