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Rhode Island School of Design 보장 내용

SCHEDULE OF MEDICAL EXPENSE BENEFITS

BASIC MEDICAL EXPENSE BENEFIT: Basic Medical Expense Benefits will be paid up to the maximum benefit for each service as scheduled

below up to a maximum benefit of $5,000 per Covered Accident or Sickness. The combined Maximum Benefit for the Basic Maximum Benefit

and the Major Medical Expense Benefit is $50,000 per Covered Accident or Sickness.

MAJOR MEDICAL EXPENSE BENEFIT: After the Company has paid $5,000 per covered Accident and Sickness under the Basic Medical Expense

Benefit , the Company will pay 80% of the Preferred Allowance for Network Providers or 80% of Usual, Reasonable and Customary Charge for

Non-Network Providers for additional Covered Expenses incurred up to $25,000 per Accident and Sickness (unless otherwise specified). After the

Company has paid $25,000, the Company will pay 100% of the Preferred Allowance for Network Providers or 80% of Usual, Reasonable and

Customary Charge for Non-Network Providers additional Covered Expenses up to $50,000 per Accident and Sickness (unless otherwise specified).

The total benefit payable under Major Medical coverage for any one covered Accident or Sickness is $50,000 minus all amounts paid under the

Basic Medical Expense Schedule of Benefits. In addition to the exclusions, benefits under the Major Medical benefit are not payable for Outpatient

Physical Therapy, Mental or Nervous Disorder or Alcohol and Drug Abuse, except as otherwise indicated.

    Rhode Island School of Design 학교 제휴 보험과 저희 LIG손해보험을 비교

Insurance  Provider	학교제휴보험	LIG손해보험
Life Maximum	$50,000	Unlimited
Major Benefit	$50,000	$50,000 per Sickness or Injury
Copayment   보험회사에서   보상하는비율	In Network: 100%	100%
	Out of Network: 80%
Prescription Drug   약값 부담금	Subject to a $10 co-payment for a 30-day supply of a generic drug and a $20 co-payment for a 30-day for a brand name drug up to a maximum benefit of $1,500 per policy year.	$0
Premium (Annual)	Student:$838 Spouse:$2,568 Child:$1,071	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.)