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

University Of Alabama At Birmingham 제휴 보험과 LIG손해보험을 비교 하였습니다

Insurance  Provider	학교제휴보험	LIG손해보험
Life Maximum	$500,000	Unlimited
benefits	$500,000	$50,000 per Sickness or Injury
SPECIALTY CARE: (PCP Referral Required) • Physician Services	$0 Copayment for Students at UAB Student Health Services, $25 Copayment within the VIVA Health network	100% 보험 회사에서 보상
Ob/Gyn Serivces   (No PCP Referral Required)(One Ob/Gyn Preventive Visit every Plan Year)	$0 Copayment for Students at UAB Student Health Services, $25 Copayment within the VIVA Health network	100% 보험 회사에서 보상
Other Services (lab, x-ray, anesthesia, immunizations, medicines, supplies, facility charges)	90% Coverage; subject to deductible and out-of-pocket max	100% 보험 회사에서 보상
Deductible   고객 부담금	The family deductible is $500, not to exceed $250 per any individual.	$0
OUT OF POCKET MAXIMUM   년간 고객 부담금	$10,000 per member per plan year	$0
Prescription Drug   약값 부담금	$12~$125 고객 부담금이 발생 $2,000 max per policy year	보상한도에 전액 보상
Premium (Annual)	Student:$1,704 Spouse:$3,756 First Child:$2,532	Student:$492 Spouse:$492 Child:$492

J-VISA 소지자는 의무적으로 Medical Insurance에 가입하셔야 하며 IAP-66 FORM에 의한 United States Information

UNITED STATES INFORMATION AGENCY MEDICAL INSURANCE REQUIREMENTS FOR J-I EXCHANGE VISITORS Effective September, 1994, the United States information Agency(USIA) will require each exchange visitor holding a J-1 visa to maintain medical insurance comerage for the full duration of his J-1 program. In addition, J-2 dependents will also have to meet this requirement while they are in the United States. Under requlations, schools and other sponsors must advise in writing all J-1 visa holders of the insurance requirement before they arrive. The minimun requirements for coverage set forth under these USIA regulations are listed below: (1) Medical benefits of at least $50,000 per accident or illness(Sickness) (2) A deductible not to exceed $500 per accident or illness. (3) Repatriation of remains in the amount of $7,500. Should an exchange visitor die while in the United States, this benefit would provide for the preparation and transportation of the body to his other home country. (4) Medical evacuation in the amount onf $10,000 in the event an exchange visitor must be returned to his or home country due to a serious medical condition. Be underwritten by an insurance corporation having one of the folling ratings : A.M best rating of "A-" or above ISI ltd rating of "A-" or above standard & poor's rating of "A" or above weiss research inc. rating of "B+" or above.

※ 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