Re: [問題] 請問千里馬的保險要如何購買?已刪文
※ 引述《meheong (早起的鳥兒有蟲吃)》之銘言：
: 請問：
: 我是準備把台灣所保的資料帶到美國去
: 這樣行嗎？
: 我是保安泰人壽
: 美國也有這家公司
這會很麻煩
通常台灣的保險不符合美國訪問學者醫療保險規定
而且還要另外加保 遺物運送險等保險...
到學校後還要申請 wavier
詳見各校規定
Summary of requirements for insurance coverage:
1. Maximum coverage for medical benefits cannot be less than $40,000;
2. If you should die in the United States, your insurance must provide at least $7,500 to send your remains to your home country. This is called “repatriation of remains”.
3. If, because of serious illness or injury, you must be sent home on the advice of a doctor, the insurance must pay up to $10,000 for the expenses of your travel. This is called “medical evacuation.”
4. The deductible cannot be more than $500 per accident or illness. This is the amount you would have to pay before the insurance company pays anything. Many policies have a much lower deductible, which is good for you.
5. The insurance must pay at least 75% of covered medical expenses. After you have paid the deductible, an insurance policy usually only pays a percentage of your medical expenses and you pay the rest. The percentage you pay is called co-insurance or a co-payment.
6. The policy may establish a waiting period before it covers pre-existing conditions (health problems you had before you bought the insurance), as long as the waiting period is reasonable by current standards in the insurance industry.
7. The policy must be backed by the full faith and credit of your home country government or the company providing the insurance must meet minimum rating requirements established by the State Department (an A.M. best rating of A- or above, and Insurance Solvency International Ltd. (ISI) rating of A- or above, a Standard and Poor’s Claims-paying ability rating of A- or above, or a Weiss Research, Inc. rating of B+ or above).
8. Most insurance policies exclude coverage for certain conditions. The J-1 regulations require that if a particular activity is a part of your exchange visitor program, your insurance must cover injuries resulting from your participation in that activity.
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