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

   SUNY Potsdam 학교 제휴 보험과 저희 LIG손해보험을 비교.

Insurance  Provider	학교제휴보험	LIG손해보험
Life Maximum	$200,000	Unlimited
Major Benefit	$200,000	$100,000 per Sickness or Injury
DESCRIPTION OF BENEFITS BASIC ACCIDENT & SICKNESS EXPENSE BENEFITS   보험회사에서 보상하는비율	1. 100% of Eligible Expenses up to the first $1,000 then   2. 80% of Eligible Expenses up to $5,000 then   3. 100% of the remaining Eligible Expenses up to a combined maximum of $75,000 per covered Accident or Sickness for the Eligible Expenses shown below.     Some benefits have limitations other than stated above. *Benefits for treatment of Injuries arising from participation in interscholastic sports are limited to $1,000 per Injury.	$100,000에서   보험 회사에서100%보상
Deductible   고객부담금	$50	No deductible
Drugs   약값부담금	$25 for formulary brand name drugs or $40 for non-formulary brand name drugs, the cost of prescription drugs is payable in full to a Policy Year maximum of $1,500	총 보상 한도에서 보상 고객 부담금 $0
Premium (Annual)	Student:$1,089	Student:$981 Spouse:$981 Child:$981

Insurance Policy for International (non-Canadian) Students

The College has a special policy that costs $1089.75 per year (2010-2011) academic year, rates subject to change) and is a very good value. The SUNY plan covers 100% of reasonable and customary expenses up to the lifetime maximum of $200,000 per injury or sickness. Please contact the Office of International Education for more information about this plan. You are covered by this insurance anywhere in the world but only up to $5,000 per accident/illness/injury occurring in your home country.

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