Insurance  Provider	학교제휴보험	LIG손해보험
Life Maximum	$100,000	Unlimited
benefits	$100,000	$50,000 per Sickness or Injury
In‐Network   협력병원이용시 보험회사보상비율	80% ~ 100%	100% 보험회사에서보상
Out-of-Network   비협력병원이용시 보험회사보상비율	80%	100% 보험회사에서보상
Deductible   고객부담금	$500	고객부담금없음
Prescription Drug   약값부담금	총약값에 80% 보상   Benefit is payable up to maximum $500, after $10 copay per prescription; 30 day supply per prescription	총보상한도내에서보상   고객부담금없음
Premium (Annual)	Student:$550 Spouse:$1,850 Child:$1,590	Student:$492 Spouse:$492 Child:$492

Health Insurance Requirement for

International Students

I. Policy on Mandatory Health Insurance for International Students

All international students on J and F visa status or any other temporary visa not employment-related MUST have a health insurance policy during the time they are in the U.S. that meets the university’s minimum insurance standards (See below, Section II). International students on these visa types will be automatically enrolled in the UNK- Student Assurance Services Health policy when they enroll at the University. The cost of the insurance policy will be charged to the student’s tuition account and is the student’s responsibility. This charge will not be refunded unless a waiver request has been and approved by the deadline date.

II. Insurance Standards for International Students

Students seeking a waiver (exemption) from the UNK-Student Assurance health policy must show proof of alternative health insurance that MUST include the certain minimum requirements.

These minimum health insurance requirements are:

·  $50,000 major medical

·  $7,500 repatriation of remains

·  $10,000 medical evacuation

·  Deductible limit of $500

※ 주 의 1

미국현지에서보험신규가입시 1개월간의 면책기간이있습니다.. 미국현지에서가입을하실경우에는 1개월전에가입하셔야합니다. (보험가입을 2010. 5. 10 하셨더라도보험시작은 2010. 6. 10부터적용이됩니다. 한국에서가입하시면바로적용이됩니다.)

보상하지않는손해

   1. 기왕증(보험가입이전에가지고있던질환이나신체적장애의치료및검사를목적으로발생한비용) 
   2. 임신, 출산과관련된비용
   3. 단순 건강 검사를 목적으로 하는 비용(시력검사및건강검진) 
   4 .예방접종비용 (학교입학시Immunization 포함) 

5. 정신과 질환/행동장애

6. HIV(에이즈)

7. 비뇨기계장애(요로결석)

8. 비뇨기과질환중N39 또는요실금