{"id":192,"date":"2016-12-07T22:27:14","date_gmt":"2016-12-07T14:27:14","guid":{"rendered":"http:\/\/www.internationalstudentinsurance.com\/cn\/blog\/?p=192"},"modified":"2020-10-13T22:35:48","modified_gmt":"2020-10-13T14:35:48","slug":"tips-when-choosing-meiguo-liuxue-baoxian","status":"publish","type":"post","link":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/2016\/12\/07\/tips-when-choosing-meiguo-liuxue-baoxian\/","title":{"rendered":"\u9009\u8d2d\u7f8e\u56fd\u7559\u5b66\u533b\u7597\u4fdd\u9669\u65f6\u5e94\u6ce8\u610f\u7684\u4e8b\u9879"},"content":{"rendered":"

\"null\"
\n\u5927\u591a\u6570\u7f8e\u56fd\u5b66\u6821\u90fd\u8981\u6c42\u7559\u5b66\u751f\u548c\u8bbf\u95ee\u5b66\u8005\u8d2d\u4e70\u5b66\u6821\u63d0\u4f9b\u7684\u4fdd\u9669\u8ba1\u5212\u6216\u8ba9\u7559\u5b66\u751f\u81ea\u5df1\u8d2d\u4e70\u6821\u5916\u7684\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u3002\u4f46\u662f\uff0c\u6709\u4e9b\u7f8e\u56fd\u5b66\u6821\u7684\u533b\u7597\u4fdd\u9669\u8d39\u7528\u4e00\u5e74\u9ad8\u8fbe\u4e09\u81f3\u56db\u5343\u7f8e\u5143\uff0c\u65e0\u8bba\u662f\u7559\u5b66\u751f\u8fd8\u662f\u8bbf\u95ee\u5b66\u8005\u90fd\u4f1a\u89c9\u5f97\u8fd9\u8d39\u7528\u6709\u70b9\u513f\u5403\u4e0d\u6d88\u3002\u56e0\u6b64\uff0c\u5f88\u591a\u7559\u5b66\u751f\u548c\u8bbf\u95ee\u5b66\u8005\u90fd\u4f1a\u5728\u7f8e\u56fd\u7559\u5b66\u65f6\u9009\u62e9\u6821\u5916\u7684\u7f8e\u56fd\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u6765\u8282\u7701\u7ecf\u8d39\u3002<\/p>\n

\u5728\u9009\u8d2d\u548c\u6bd4\u8f83\u5404\u6b3e\u7f51\u4e0a\u7f8e\u56fd\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u65f6\uff0c\u5343\u4e07\u4e0d\u8981\u53ea\u5173\u6ce8\u6bcf\u6708\u4fdd\u8d39\u662f\u591a\u5c11\uff01<\/span>\u7f51\u4e0a\u7684\u786e\u6709\u5f88\u591a\u4fbf\u5b9c\u7684\u7f8e\u56fd\u7559\u5b66\u4fdd\u9669\u4f9b\u7559\u5b66\u751f\u9009\u62e9\uff0c\u4f46\u5927\u5bb6\u5fc5\u987b\u4ed4\u7ec6\u9605\u8bfb\u6e05\u695a\u5176\u4fdd\u969c\u7ec6\u5219\u548c\u9664\u5916\u8d23\u4efb\u6761\u6b3e\uff0c\u4e0d\u7136\u5728\u770b\u75c5\u540e\u6709\u53ef\u80fd\u9700\u8981\u652f\u4ed8\u6bd4\u603b\u4fdd\u8d39\u66f4\u9ad8\u7684\u81ea\u4ed8\u8d39\u7528\u3002<\/p>\n

\u4ee5\u4e0b\u662f\u4e00\u4e9b\u9009\u8d2d\u7f8e\u56fd\u7559\u5b66\u4fdd\u9669\u65f6\u5e94\u6ce8\u610f\u7684\u4e8b\u9879\uff1a<\/h3>\n

 <\/p>\n

\u6ce8\u610f\u4e8b\u9879\u7b2c\u4e00\u6761 \u2014 \u8ba1\u5212\u6700\u9ad8\u4fdd\u989d\/\u5171\u540c\u4fdd\u9669\u6bd4\u4f8b(Policy Maximum\/ Coinsurance)<\/span><\/h2>\n

\u5f88\u591a\u4e2d\u56fd\u7559\u5b66\u751f\u53ea\u4e86\u89e3\u4ec0\u4e48\u7684\u8ba1\u5212\u7684\u6700\u9ad8\u4fdd\u989d\uff0c\u4f46\u4e0d\u6e05\u695a\u4ec0\u4e48\u662f\u5171\u540c\u4fdd\u9669\u6bd4\u4f8b\u3002\u5171\u540c\u4fdd\u9669\u662f\u6307\u4f60\u548c\u4fdd\u9669\u516c\u53f8\u4e4b\u95f4\u7684\u652f\u4ed8\u6bd4\u4f8b\uff0c\u800c\u6700\u7406\u60f3\u7684\u60c5\u51b5\u4e0b\u5171\u540c\u4fdd\u9669\u6bd4\u4f8b\u662f\u8d8a\u9ad8\u8d8a\u597d(\u6bd4\u5982100%)\uff0c\u8fd9\u6837\u4fdd\u9669\u516c\u53f8\u5c31\u4f1a100%\u8986\u76d6\u5408\u8d44\u683c\u7684\u533b\u7597\u8d39\u7528\u76f4\u81f3\u6700\u9ad8\u4fdd\u989d\u3002<\/p>\n

\u4e3e\u4e2a\u4f8b\u5b50\uff0c\u6709\u4e9b\u4fdd\u9669\u8ba1\u5212\u7684\u5171\u540c\u4fdd\u9669\u6bd4\u4f8b\u662f\u8fd9\u6837\u8bbe\u7f6e\u7684\uff1a
\n\u6700\u9ad8\u4fdd\u989d(Policy Maximum) \u2014 10\u4e07\u7f8e\u5143
\n\u5171\u540c\u4fdd\u9669\u6bd4\u4f8b(Co-insurance) \u2013 \u8ba1\u5212\u627f\u62c5100%\u5408\u8d44\u683c\u533b\u7597\u8d39\u7528\u76f4\u81f34\u4e07\u7f8e\u5143\uff0c4\u4e07\u7f8e\u5143\u4e4b\u540e\u76f4\u81f3\u6700\u9ad8\u4fdd\u989d\u7684\u5408\u8d44\u683c\u8d39\u7528\uff0c\u8ba1\u5212\u53ea\u627f\u4fdd80%\u3002
\n\u6309\u7167\u4ee5\u4e0a\u7684\u8ba1\u5212\u8bbe\u7f6e\uff0c\u5982\u679c\u4f60\u7684\u5408\u8d44\u683c\u533b\u7597\u603b\u8d39\u7528\u662f10\u4e07\u7f8e\u5143\u3002\u8ba1\u5212\u5c06\u4f1a\u627f\u62c5\u5408\u8d44\u683c\u8d39\u7528\u52304\u4e07\u7f8e\u5143\uff0c\u5269\u4e0b\u76846\u4e07\u5143\u7f8e\u5143\u8ba1\u5212\u53ea\u627f\u62c5\u5f53\u4e2d\u768480%\uff0c\u6240\u4ee5\u8bf4\u4f60\u8981\u81ea\u4ed8\u4f59\u4e0b\u768420% (12,000\u7f8e\u5143\uff01\uff01)<\/span><\/p>\n

\u6700\u7406\u60f3\u7684\u60c5\u51b5\u4e0b\uff0c\u4f60\u5e0c\u671b\u4f60\u7684\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u662f\u8fd9\u6837\u8bbe\u7f6e\u7684\uff1a<\/h4>\n

\u6700\u9ad8\u4fdd\u989d \u2014 20\u4e07\u7f8e\u5143
\n\u5171\u540c\u4fdd\u9669\u6bd4\u4f8b \u2014 \u8ba1\u5212\u627f\u62c5\u59341\u4e07\u7f8e\u5143\u518580%\u7684\u5408\u8d44\u683c\u8d39\u7528\uff0c\u4e4b\u540e\u627f\u62c5100%\u5408\u8d44\u683c\u8d39\u7528\u76f4\u81f3\u6700\u9ad8\u4fdd\u989d\u3002
\n\u5728\u8fd9\u60c5\u51b5\u4e0b\uff0c\u4f60\u9700\u8981\u81ea\u4ed8\u7684\u91d1\u989d\u6700\u591a\u53ea\u67092\u5343\u7f8e\u5143(10,000\u768420%\u662f2,000)\uff0c\u56e0\u4e3a\u4f59\u4e0b\u7684\u5408\u8d44\u683c\u8d39\u7528\u4fdd\u9669\u516c\u53f8\u5c06\u4f1a\u627f\u62c5\u3002\u4f46\u5728\u53e6\u4e00\u4e2a\u60c5\u51b5\u4e0b\uff0c\u4f60\u5374\u8981\u62ff\u51fa\u4e0a\u4e07\u7f8e\u5143\u6765\u652f\u4ed8\u533b\u7597\u8d39\u7528\u3002<\/p>\n

 <\/p>\n

\u6ce8\u610f\u4e8b\u9879\u7b2c\u4e8c\u6761 \u2014 \u533b\u7597\u4fdd\u969c\u4e0a\u9650<\/span><\/h2>\n

\u8bf7\u4ed4\u7ec6\u9605\u8bfb\u5404\u6b3e\u8ba1\u5212\u4fdd\u969c\u7ec6\u5219\u5185\u7684\u533b\u7597\u4fdd\u969c\u4e0a\u9650\uff0c\u4ee5\u4e0b\u662f\u4e00\u4e9b\u7559\u5b66\u751f\u9700\u8981\u6ce8\u610f\u7684\u4e8b\u9879\uff1a<\/p>\n

\u6bcf\u5929\u7684\u533b\u7597\u4fdd\u969c\u4e0a\u9650(Per day dollar cap on benefits) \u2014 \u4e3e\u4e2a\u4f8b\u5b50: \u6bcf\u5929800\u7f8e\u5143<\/strong>
\n\u82e5\u4f60\u4e0d\u5e78\u9700\u8981\u4f4f\u9662\uff0c\u800c\u4f60\u6bcf\u5929\u7684\u533b\u7597\u4fdd\u969c\u4e0a\u9650\u53ea\u6709800\u7f8e\u5143\u3002\u6bcf\u5929\u7684\u4f4f\u9662\u8d39\u7528\u4e00\u822c\u662f\u6309\u7167\u4f60\u4f24\u75c5\u7684\u4e25\u91cd\u7a0b\u5ea6\u6765\u5236\u5b9a\uff0c\u56e0\u6b64\u968f\u65f6\u6709\u53ef\u80fd\u8d85\u8fc71,500\u7f8e\u5143\u3002\u82e5\u6bcf\u5929\u533b\u7597\u4fdd\u969c\u4e0a\u9650\u53ea\u6709800\u7f8e\u5143\uff0c\u5b8c\u5168\u4e0d\u591f\u4ed8\u4f60\u7684\u4f4f\u9662\u8d39\u7528\uff0c\u81ea\u5df1\u8fd8\u8981\u6bcf\u5929\u652f\u4ed8700\u7f8e\u5143\u3002<\/p>\n

\u533b\u7597\u4fdd\u969c\u8986\u76d6\u65e5\u5b50\u7684\u4e0a\u9650 (Number of days cap when benefits will be paid)<\/strong>
\n(\u4f8b: \u53ea\u8986\u76d68\u621625\u5929\u7684\u7597\u7a0b)<\/strong>
\n\u5982\u679c\u4f60\u8ba1\u5212\u7684\u533b\u7597\u4fdd\u969c\u8986\u76d6\u65e5\u5b50\u4e0a\u9650\u53ea\u67098\u5929\u30028\u5929\u8fc7\u540e\uff0c\u4efb\u4f55\u533b\u7597\u8d39\u7528\u90fd\u8981\u81ea\u4ed8\u3002\u82e5\u4e0d\u5e78\u53d1\u751f\u8f66\u7978\u800c\u4f4f\u9662\uff0c\u4f4f\u9662\u65f6\u95f4\u53ef\u4e0d\u53ea8\u5929\uff01<\/p>\n

\u5904\u65b9\u836f\u6700\u9ad8\u4e0a\u9650100\u7f8e\u5143<\/strong>
\n\u73b0\u4eca\u8bb8\u591a\u5904\u65b9\u836f\u4ef7\u683c\u90fd\u8d85\u8fc7100\u7f8e\u5143\uff0c\u50cf\u6cbb\u6d41\u611f\u7684Tamiflu\u3002\u82e5\u4fdd\u9669\u8ba1\u5212\u7684\u5904\u65b9\u836f\u4e0a\u9650\u53ea\u6709100\u7f8e\u5143\uff0c\u4f60\u5c06\u8981\u81ea\u4ed8\u4f59\u4e0b\u7684\u9ad8\u6602\u5904\u65b9\u836f\u8d39\u7528\u3002<\/p>\n

 <\/p>\n

\u6ce8\u610f\u4e8b\u9879\u7b2c\u4e09\u6761 \u2014 \u4ed8\u6b3e\u65b9\u5f0f(\u6708\u4f9b\u6216\u5168\u4ed8)<\/span><\/h2>\n

\u6211\u4eec\u90fd\u77e5\u9053\u51fa\u56fd\u7559\u5b66\u82b1\u8d39\u5f88\u9ad8\uff0c\u56e0\u6b64\u5982\u679c\u9009\u62e9\u53ef\u4ee5\u6708\u4f9b\u652f\u4ed8\u7684\u8ba1\u5212\u5c31\u80fd\u628a\u7559\u5b66\u4fdd\u9669\u8d39\u7528\u5206\u6563\uff0c\u4e0d\u7528\u4e00\u6b21\u8fc7\u900f\u652f\u4e00\u6574\u5e74\u7684\u4fdd\u8d39\u3002<\/p>\n

 <\/p>\n

\u6ce8\u610f\u4e8b\u9879\u7b2c\u56db\u6761 \u2014 \u4f53\u80b2\u8fd0\u52a8\u4fdd\u969c\u8986\u76d6<\/span><\/h2>\n

\u6709\u4e9b\u4e2d\u56fd\u7559\u5b66\u751f\u5728\u7f8e\u56fd\u7559\u5b66\u7684\u65f6\u5019\u4f1a\u53c2\u52a0\u5b66\u6821\u7684\u4f53\u80b2\u6821\u961f\u3002\u4e3a\u4e86\u4fdd\u969c\u4f60\u5728\u53c2\u4e0e\u6821\u9645\u6216\u6821\u5185\u4f53\u80b2\u6bd4\u8d5b\u6216\u8bad\u7ec3\u65f6\u53d1\u751f\u7684\u7a81\u53d1\u610f\u5916\u6216\u4f24\u75c5\uff0c\u8d2d\u4e70\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u65f6\u8bf7\u4ed4\u7ec6\u67e5\u9605\u8ba1\u5212\u4e0a\u6709\u6ca1\u6709\u5305\u62ec\u56e2\u4f53\u6027\u4f53\u80b2\u8fd0\u52a8\u4fdd\u969c(Organized Sports)\u8fd9\u9879\u76ee\u3002\u7f51\u4e0a\u6709\u5f88\u591a\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u90fd\u4e0d\u5305\u62ec\u56e0\u53c2\u4e0e\u5927\u5b66\u6821\u9645\u3001\u4e2d\u5b66\u6821\u9645\u3001\u6821\u5185\u6216\u4ff1\u4e50\u90e8\u8fd0\u52a8(intercollegiate, interscholastic, intramural and club sports)\u800c\u5bfc\u81f4\u7684\u4f24\u75c5\u6216\u610f\u5916\u3002\u4f60\u4e0d\u5e0c\u671b\u53d7\u4f24\u540e\u8fd8\u8981\u81ea\u5df2\u652f\u4ed8\u6240\u6709\u7684\u533b\u7597\u8d39\u7528\u5427\u3002\u3002\u3002<\/p>\n

 <\/p>\n

\u5e0c\u671b\u8fd9\u4e9b\u6ce8\u610f\u4e8b\u9879\u80fd\u5e2e\u52a9\u4f60\u9009\u62e9\u6700\u5408\u9002\u4f60\u7684\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\uff0c\u907f\u514d\u9009\u8d2d\u4e0d\u5408\u9002\u81ea\u5df1\u7684\u8ba1\u5212\u3002\u53e6\u5916\uff0c\u4e0d\u8981\u76f2\u76ee\u5730\u53ea\u9009\u62e9\u6700\u4fbf\u5b9c\u7684\u7559\u5b66\u533b\u7597\u4fdd\u9669\u8ba1\u5212\u3002\u5982\u679c\u53ef\u4ee5\u7684\u8bdd\uff0c\u9009\u4fdd\u8d39\u9ad8\u4e00\u70b9\u4f46\u53ef\u4ee5\u767e\u5206\u767e\u4fdd\u969c\u5408\u8d44\u683c\u4f24\u75c5\u533b\u7597\u8d39\u7528\u7684\u8ba1\u5212\uff0c\u6ca1\u6709\u4eba\u5e0c\u671b\u8d2d\u4e70\u7559\u5b66\u4fdd\u9669\u540e\u8fd8\u8981\u81ea\u4ed8\u6bd4\u4fdd\u8d39\u66f4\u591a\u7684\u989d\u5916\u8d39\u7528\uff01<\/p>\n","protected":false},"excerpt":{"rendered":"

\u5927\u591a\u6570\u7f8e\u56fd\u5b66\u6821\u90fd\u8981\u6c42\u7559\u5b66\u751f\u548c\u8bbf\u95ee\u5b66\u8005\u8d2d\u4e70\u5b66\u6821\u63d0\u4f9b\u7684\u4fdd\u9669\u8ba1\u5212\u6216\u8ba9\u7559\u5b66\u751f\u81ea\u5df1\u8d2d\u4e70\u6821\u5916\u7684\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u3002\u4f46\u662f\uff0c\u6709\u4e9b\u7f8e\u56fd […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8,9,10],"tags":[35,69,30,108,110,109,55,64,68,60,39,99,67],"class_list":["post-192","post","type-post","status-publish","format-standard","hentry","category-8","category-9","category-10","tag-isi","tag-69","tag-30","tag-108","tag-110","tag-109","tag-55","tag-64","tag-68","tag-60","tag-39","tag-99","tag-67"],"_links":{"self":[{"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/posts\/192","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/comments?post=192"}],"version-history":[{"count":6,"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/posts\/192\/revisions"}],"predecessor-version":[{"id":1111,"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/posts\/192\/revisions\/1111"}],"wp:attachment":[{"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/media?parent=192"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/categories?post=192"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/tags?post=192"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}