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University of Cincinnati 제휴 보험과 LIG손해보험을 비교해 놓은 표입니다

Health Insurance Requirement for F-1 & J-1 Students

All international students are required to carry the University Student Health Insurance policy unless they can prove coverage equal to or greater than the University policy. If you are not registered for at least 6 credit hours or more, you will not be eligible to purchase the University student health insurance policy. However, you must have insurance while in the United States. If needed, you can obtain insurance policy applications from UC International Services or one of the companies below.  The policies below will NOT qualify you for a waiver of the UC Student Health Insurance policy.  They are strictly provided as an option for students who don't qualify for the UC policy, but still need insurance.

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Insurance  Provider	학교보험제휴	LIG손해보험
Lifetime Maximum	$500,000	Unlimited
Benefit	$500,000	$50,000 per Sickness or Injury
협력병원이용시/보험회사부담비율	In-Network:  80%	100%
비협력병원/보험회사부담비율	Out-of-Network:60%	100%
Deductible   고객 부담금	$300	$0
Prescription Drug   (약값고객부담금)	In-Network:   협력약국   Not Applicable	보상한도에 포함 고객부담 없음
	Out-of-Network     80% of R & C Expense
Premium (Annual)	Student:$1,932	Student: $492 Spouse: $492 Child: $492

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