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cx0305

铜虫 (正式写手)

[求助] 去美国买国内保险的求助

Provide medical benefits of at least $50,000 per accident or illness  
•  Provide repatriation coverage of at least $7,500  
•  Provide medical evacuation coverage to home country of at least $10,000  
•  Maximum deductible of $500 per accident or illness  
•  May require a waiting period for pre-existing conditions which is reasonable under current industry standards  
•  May include a provision for co-insurance which requires the exchange visitor to pay up to 25% of the covered
benefits per accident or illness  
•  Does not unreasonably exclude coverage for perils inherent to the activities of the exchange program in which
the exchange visitor participates  
•  Coverage is guaranteed through at least one of the following means:  
o  Insurance policy is underwritten by a health insurance company rated:  
  “A-” or above by A.M. Best or  
  “A-i” or above by Insurance Solvency International (ISI) or  
  “A-” or above by Standard & Poor’s Claims Paying Ability or  
  “B+” or above by Weiss Research, Inc. OR  
o  Policy is backed by the full faith and credit of the government of the J-1’s home country OR  
o  Policy is part of a health benefits program offered on a group basis to employees or enrolled students
by a designated sponsor OR  
o  Policy is offered through or underwritten by a federally qualified Health Maintenance Organization or
eligible Competitive Medical Plan as determined by the U.S. Dept. of Health & Human Services.  

请问国内有哪个公司可以满足以上J-1的保险种类啊?其中25%是什么意思啊?
非常感谢啊,请问平安公司保险可以吗?
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plenty

捐助贵宾 (正式写手)

【答案】应助回帖

我是买的是中国人民健康保险股份有限公司的守护专家境外旅游团体医疗保险、意外伤害保险。
J-1签证,这边学校认可的。
2楼2012-10-27 02:18:17
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cx0305

铜虫 (正式写手)

引用回帖:
2楼: Originally posted by plenty at 2012-10-27 02:18:17
我是买的是中国人民健康保险股份有限公司的守护专家境外旅游团体医疗保险、意外伤害保险。
J-1签证,这边学校认可的。

May require a waiting period for pre-existing conditions which is reasonable under current industry standards  
•  May include a provision for co-insurance which requires the exchange visitor to pay up to 25% of the covered
benefits per accident or illness

请问这两条你保险中有吗?这个是不是可有可无呢?
3楼2012-10-27 08:39:43
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mnily555

金虫 (小有名气)

【答案】应助回帖

好多家保险公司都有此类产品的,建议在签证中心那边买,如果签证时间延后都可以全额退的,一般来讲,保额达到疾病或意外医疗达到30万人民币,带有全球紧急救援的产品都是适用的
4楼2012-10-29 15:25:34
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傲小雪

新虫 (初入文坛)


【答案】应助回帖

还是买一个美国那边保险吧 美国学校容易承认,国内保险到时理赔还麻烦 可以去这里问问中文咨询 我跟我女儿都在这里这个exchange Program   http://www.dianins.com/plan/patriotEP.asp
5楼2012-11-04 09:21:32
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