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fagefage

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[求助] 关于访学医疗保险的购买

准备访美,学校要求 保险符合或超过J1要求,如下:

you are required to have medical insurance, either through this program, from another insurer or provided by your home country.

If you have other insurance, it must meet what is considered ‘comparable coverage’ to the insurance offered through this program. If you are an international Visiting Scholar with your own coverage, that coverage must also meet these standards that meet or exceed the J-1 Visa requirements, as well as provide this same coverage to your eligible dependents. The minimum levels of coverage that must be offered through your own insurance are:
•$100,000 per accident/illness in medical coverage
•An annual deductible of no more than $250 请问这句的精确意思? •Coinsurance that does not exceed 25% 请问这句的精确意思?   

If your insurance meets these requirements, you may waive (decline coverage) for this plan
请问后2句的精确意思?   

另外,学校也提到可以自己买保险,比如买中国的保险公司的。 请教各位,买过中国的保险吗,一般会不会比老美的便宜点?哪家可以推荐?

多谢!
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