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

   Illinois State University 제휴 보험과 LIG손해보험을 비교 하였습니다.

Insurance  Provider	학교제휴보험	LIG손해보험
Life Maximum	$1,000,000	Unlimited
benefits	$1,000,000	$50,000 per Sickness or Injury
Deductible   고객부담금	$50	$0
Inpatient Hospitalization Benefits	80%	100% 보험 회사에서 보상
Surgical Benefits (Inpatient and Outpatient)	80%	100% 보험 회사에서 보상
Outpatient Hospital Benefits	80% ~ 100%	100% 보험 회사에서 보상
Physician Benefits	80%	100% 보험 회사에서 보상
Mental Health Benefits and Drug Abuse Benefits	80%	Drug Abuse Benefits 만 보상
OUT OF POCKET   MAXIMUMS   (년간고객부담금)	$1,000	$0
Prescription Drug   약값 부담금	부담금 있음	고객 부담금 없음
Premium (Annual)	Student:$469	Student:$492 Spouse:$492 Child:$492

 

Health Insurance

J-1 Insurance

Students and scholars with J-1 visas are required by the U.S. Immigration law to carry specific types of health insurance coverage, including "Repatriation of Remains" (which covers transportation back to the home country in case of death) and "Medical Evacuation" (to pay transportation expenses to the home country or elsewhere for medical treatment). Insurance plans for J-1 students and scholars must meet the following Immigration requirements: medical benefits of at least $50,000 per person and per accident or illness, at least $7,500 for Repatriation of Remains, at least $10,000 of Medical Evacuation coverage, and a deductible not exceeding $500 per accident or illness. This insurance coverage is required by law and must be maintained for as long as the student or scholar (and any dependents) is in the U.S. Any J-1 students or scholar (or J-2 family member) who does not have the required insurance will not be allowed to continue his or her program at ISU. J-1 students and scholars (and any accompanying family members) must carry adequate health insurance for the entire time that they are in the United States.

J-1 students may buy the necessary insurance from ISU for $10 per semester. The $10 will be billed to all J-1 students who are already carrying regular ISU Student Insurance.

Student Insurance has a $1,000,000 maximum
Student Insurance deductible is waived if you have other insurance
Student Insurance deductible is $50 if you have no other coverage
We pay our normal benefits, or the remaining eligible charges left after primary insurance has processed the claim up to 100%

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