skrakrtls@msn.com (네이트 메신저/msn 메신저 동일)  대화 상대

Health Insurance Policy

General Information

All undergraduate international students must purchase the university sponsored plan. If an undergraduate international student does not enroll on their own they will be default enrolled into the Drexel University Blue Plan.  Graduate international students holding a J-1 Visa must also purchase the university sponsored plan so that federally governed J-1 mandates are met. Information about the plan may be found at www.aetnastudenthealth.com  Go to students and then find your school.  On the left hand side there will be a link for Medical Plans.

All full-time students are required to demonstrate proof of coverage under a health insurance plan. Graduate International students may satisfy the requirement by purchasing the Drexel Student Health Insurance Plan or by submitting an insurance waiver at http://www.aetnastudenthealth.com Please go to students and then find your school.  After choosing your campus go to the link of the left: Medical Plans: Enroll/Waive.  Failure to submit a completed waiver form or to purchase the university sponsored plan will result in a default enrollment into the university sponsored plan. The charge for this plan will subsequently appear on the university bill. Once this charge has been placed, it cannot be removed.

If a student chooses to purchase their own insurance, the policy purchased must meet certain minimum requirements. Those include:

1. Plans must provide coverage for pre-existing conditions immediately upon enrollment;
2. Plans must provide a benefit of at least $50,000 per condition;
3. Plans must be purchased for the full period for which the student will be enrolled for the coming academic year – not by the month nor semester;
4. Annual Plan Deductible of no more than $500;
5. Plan must provide coverage for Mental Health & Substance Abuse;
6. Plan must provide medical evacuation and repatriation benefit.

Information for International Students (J-1 Mandates)

All undergraduate international students must purchase the Drexel plan. All graduate international students holding a J-1 Visa are also required to purchase the Drexel plan (Drexel Student Health Insurance Plan). This plan meets all of the requirements for students on J-1 Visas, and all recommendations for international students on F-1 Visas. The policy covers students in our local area as well as worldwide. The plan must be purchased immediately upon entrance into our university and must be purchased for the full academic year.

  Drexel University 제휴 보험과 LIG손해보험을 비교 하였습니다

Insurance  Provider	학교제휴보험	LIG손해보험
Life Maximum	$500,000	Unlimited
benefits	$500,000	$50,000 per Sickness or Injury
Out of Pocket Maximum   년간 고객 부담금	Preferred Care:   학생:$3,000	고객 부담금없이100% 보상
	Preferred Care:   가족:$6,000
	Non Preferred Care:   학생:$10,000
	Non Preferred Care:   가족:$30,000
Preferred Care:   협력병원이용시/보험회사부담율	After a $15~$500 copay, 100% 보상	100% 보험 회사에서보상
Non Preferred Care   비협력병원이용시/보험회사부담율	50% of the Reasonable Charge.
Prescription Drug   약값 부담금	Preferred Care:   After a $25 per visit, 100%	보상한도에 전액 보상
	Non-Preferred Care:    50% of the Reasonable Charge
Premium (Annual)	Student:$3,978   Student+Spouse:$8,499   Student+Chil(ren):$11,456   Student + Family:$15,977	Student:$492 Spouse:$492 Child:$492

※ 주 의

미국 현지에서 보험 신규 가입시 1개월간의 면책기간이 있습니다.. 미국 현지 에서 가입을 하실 경우에는 1개월 전에 가입하셔야 합니다. (보험 가입을 2010. 5. 10 하셨더라도 보험 시작은 2010. 6. 10부터 적용이 됩니다. 한국에서 가입하시면 바로 적용이 됩니다.)

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