Stevens Institute of Technology 보장 내용

Medical Expense Schedule of Benefits

Up to $75,000 Maximum Benefit Paid as Specified Below (For Each Injury or Sickness)

This Certificate provides benefits for 100% (except outpatient charges which are paid at 80%) of the Reasonable and Customary Charges incurred by an Insured Person for loss due to a covered Injury or Sickness up to the Basic Maximum Benefit of $2,000. After the Basic Maximum Benefit of $2,000 has been paid by the Company, the Major

Medical Benefit will pay 80% of the Reasonable and Customary Charges incurred in excess of $2,000 up to, but not exceeding $75,000 (including the Basic benefits) for Domestic Students and International Students and their Dependents. Benefits will be paid up to Maximum Benefit for each service as scheduled below. The student must use the services of the Student Health Center (SHC) first where treatment will be administered, or referral issued. Expenses incurred for medical treatment rendered outside of the SHC for which no prior approval or referral is obtained are excluded from coverage.

SHC referral for outside care is not necessary under certain conditions such as medical emergency. Please refer to page 7 of brochure for those conditions. Covered Medical Expenses include:

   Stevens Institute of Technology 학교 제휴 보험과 저희 보험을 비교.

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