skrakrtls@msn.com (네이트 메신저/msn 메신저 동일)  대화 상대      Indiana University  학교 제휴 보험과 저희 LIG손해보험을 비교.     Insurance  Provider   학교제휴보험 LIG손해보험     Life Maximum     $100,000 Unlimited       Major Benefit       $100,000     $50,000 per Sickness or Injury Copayment   보험회사에서   보상하는비율     In Network: 100%     100%     Out of Network: 50%       Deductible   고객부담금   In Network :   $500 Per Covered Person Per Policy Year.   No deductible   Out of Network:   $750 Per Covered Person Per Policy Year     OUT-OF-POCKET   MAXIMUMS   년간 고객 부담금   Individual $1,000 $0          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.     $0    Out of Network : 약국시   Not applicable.     $0    Premium (Annual)     Student:$892 Spouse:$2,133 Children:$1,619     Student:$492 Spouse:$492 Child:$492

※ 주 의 1 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.)       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

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