{"id":29,"date":"2016-02-02T00:02:27","date_gmt":"2016-02-01T16:02:27","guid":{"rendered":"http:\/\/www.internationalstudentinsurance.com\/cn\/blog\/?p=29"},"modified":"2020-10-13T23:17:00","modified_gmt":"2020-10-13T15:17:00","slug":"us-high-school-insurance","status":"publish","type":"post","link":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/2016\/02\/02\/us-high-school-insurance\/","title":{"rendered":"\u9002\u5408\u5728\u7f8e\u56fd\u8bfb\u5c0f\u5b66\u521d\u4e2d\u9ad8\u4e2d\u7684\u4f4e\u9f84\u7f8e\u56fd\u7559\u5b66\u4fdd\u9669\u8ba1\u5212"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignright\"><img decoding=\"async\" src=\"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-content\/uploads\/2011\/08\/high-school-student-insurance.jpg\" alt=\"\"\/><figcaption>\u4f4e\u9f84\u7559\u7f8e\u5b66\u751f\u4e70\u4ec0\u4e48\u4fdd\u9669\u597d\uff1f<\/figcaption><\/figure><\/div>\n\n\n<p><\/p>\n<p>\u5f88\u591a\u4eba\u8ba4\u4e3a\u5230\u7f8e\u56fd\u7559\u5b66\u7684\u5b66\u751f\u90fd\u662f\u90a3\u4e9b\u4e8c\u5341\u5c81\u5de6\u53f3\u7684\u672c\u79d1\u6216\u7814\u7a76\u751f\uff0c\u4f46\u73b0\u5728\u7559\u5b66\u8d8a\u6765\u8d8a\u5e74\u8f7b\u5316\uff0c\u5f88\u591a\u4f4e\u9f84\u4e2d\u56fd\u7559\u5b66\u751f\u6765\u7f8e\u56fd\u8bfb\u9ad8\u4e2d\u3001\u521d\u4e2d\u3001\u751a\u81f3\u5c0f\u5b66\u3002\u9664\u6b64\u4e4b\u5916\uff0c\u6bcf\u5e74\u4e5f\u6709\u5f88\u591a\u6765\u7f8e\u56fd\u53c2\u52a0\u521d\u9ad8\u4e2d\u7684\u4ea4\u6362\u751f\u8ba1\u5212\u6216\u6e38\u5b66\u56e2\u7b49\u77ed\u671f\u7684\u4ea4\u6d41\u5b66\u751f\u3002<\/p>\n<p>\u5bf9\u4e8e\u4f4e\u9f84\u7559\u5b66\u751f\u6765\u8bf4\uff0c\u8fd9\u4e9b\u51fa\u56fd\u7684\u673a\u4f1a\u548c\u7ecf\u9a8c\u80fd\u8ba9\u4ed6\u4eec\u83b7\u76ca\u826f\u591a\uff0c\u5728\u5e74\u8f7b\u65f6\u4f53\u9a8c\u65b0\u7684\u6587\u5316\u548c\u4e8b\u7269\u4e5f\u66f4\u5bb9\u6613\u63a5\u53d7\u3002\u5f53\u7136\uff0c\u592a\u5e74\u8f7b\u51fa\u56fd\u4e5f\u662f\u6709\u98ce\u9669\u3002\u6bd4\u5982\u4e0d\u77e5\u9053\u5982\u4f55\u5904\u7406\u81ea\u8eab\u7684\u5065\u5eb7\u6216\u4e2a\u4eba\u5b89\u5168\uff0c\u751f\u75c5\u4e86\u4e5f\u4e0d\u77e5\u9053\u600e\u4e48\u529e\u7b49\u3002\u4e0d\u8fc7\u73b0\u4eca\u7684\u521d\u9ad8\u4e2d\u7559\u5b66\u6216\u4ea4\u6362\u8ba1\u5212\u5df2\u8fbe\u6210\u719f\u9636\u6bb5\uff0c\u98ce\u9669\u4e5f\u6bd4\u8f83\u4f4e\uff0c<span style=\"color: #ff0000;\"><strong>\u4f46\u8fd8\u662f\u8981\u6ce8\u610f\u4ee5\u4e0b\u51e0\u9879\u521d\u9ad8\u4e2d\u7559\u5b66\u751f\u548c\u4ea4\u6362\u5b66\u751f\u7684\u4fdd\u9669\u9700\u77e5\uff1a<\/strong><\/span><\/p>\n<hr>\n<h3>\u7f8e\u56fd\u7559\u5b66\u7b7e\u8bc1\u4fdd\u9669\u89c4\u5b9a<\/h3>\n<p>\u5728\u7f8e\u56fd\uff0c\u5982\u679c\u4f60\u662fJ1\u7b7e\u8bc1\u7684\u4ea4\u6362\u751f\uff0c\u4f60\u7684\u533b\u7597\u4fdd\u9669\u8ba1\u5212\u4e2d\u7684\u4fdd\u969c\u5fc5\u987b\u8fbe\u5230\u67d0\u4e2a\u8986\u76d6\u6c34\u5e73\u624d\u80fd\u7b26\u5408\u7f8e\u56fd\u653f\u5e9c\u7684\u7b7e\u8bc1\u89c4\u5b9a\u3002\u603b\u7684\u6765\u8bf4\uff0c\u4f60\u7684\u7f8e\u56fd\u7559\u5b66\u533b\u7597\u4fdd\u9669\u8ba1\u5212\u7684\u6700\u9ad8\u4fdd\u989d\u81f3\u5c11\u8981\u8fbe\u5230100,000\u7f8e\u5143\u3001\u7d27\u6025\u533b\u7597\u8fd0\u9001\u8d39\u7528\u4fdd\u969c\u8fbe50,000\u7f8e\u5143\u3001\u9063\u4f53\u9001\u8fd4\u56de\u56fd\u4fdd\u969c\u8fbe25,000\u7f8e\u5143\u3001\u514d\u8d54\u989d(Deductible)\u4e0d\u80fd\u8d85\u8fc7500\u7f8e\u5143\u53ca\u4fdd\u9669\u8ba1\u5212\u5fc5\u987b\u8fbe\u5230\u67d0\u4e9b\u8ba4\u53ef\u6027\u8bc4\u7ea7\u673a\u6784\u7684\u98ce\u9669\u8bc4\u7ea7\u3002\u66f4\u591a\u8d44\u8baf\u8bf7\u770b<strong><a href=\"http:\/\/www.internationalstudentinsurance.com\/cn\/j1qianzheng\/j1qianzheng-yiliao-baoxian-yaoqiu.php\"> J1\u7b7e\u8bc1\u533b\u7597\u4fdd\u9669\u89c4\u5b9a<\/a><\/strong>\u3002<\/p>\n<p>\u867d\u7136\u6301F1\u7b7e\u8bc1\u7684\u7559\u5b66\u751f\u5e76\u6ca1\u6709\u7f8e\u56fd\u653f\u5e9c\u7684\u4fdd\u9669\u89c4\u5b9a\uff0c\u4f46\u7f8e\u56fd\u7684\u4e2d\u5c0f\u5b66\u3001\u7559\u5b66\u673a\u6784\u7b49\u90fd\u4f1a\u8981\u6c42\u7559\u5b66\u751f\u5728\u7f8e\u56fd\u7559\u5b66\u671f\u95f4\u8981\u6709\u4fdd\u9669\u8986\u76d6\u3002\u4ed6\u4eec\u6709\u4e9b\u4f1a\u8ba9\u5bb6\u957f\u9009\u62e9\u4ed6\u4eec\u63a8\u8350\u7684\u4fdd\u9669\u6216\u53eb\u5bb6\u957f\u81ea\u5df1\u4e0a\u7f51\u5bfb\u627e\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u3002\u5176\u4ed6\u56fd\u5bb6\u4e5f\u53ef\u80fd\u6709\u5404\u81ea\u7684\u7559\u5b66\u4fdd\u9669\u89c4\u5b9a\uff0c\u6700\u597d\u8d2d\u4e70\u524d\u5148\u67e5\u4e00\u4e0b\u4fdd\u9669\u8ba1\u5212\u662f\u5426\u80fd\u8fbe\u5230\u8981\u6c42\uff0c\u907f\u514d\u62d2\u7b7e\u7684\u98ce\u9669\u3002<\/p>\n<hr>\n<h3>\u7559\u5b66\u4fdd\u9669\u63d0\u4f9b\u7684\u989d\u5916\u670d\u52a1\/\u5e2e\u52a9<\/h3>\n<p>\u8fd8\u6ca1\u6210\u5e74\u3001\u5c0f\u5c0f\u5e74\u7eaa\u5c31\u51fa\u56fd\u7684\u521d\u9ad8\u4e2d\u7559\u5b66\u751f\u6216\u4ea4\u6362\u751f\u5982\u679c\u5728\u56fd\u5916\u751f\u75c5\u6216\u53d7\u4f24\u7684\u8bdd\uff0c\u83b7\u5f97\u8d34\u5fc3\u7684\u670d\u52a1\u548c\u533b\u7597\u5e2e\u52a9\u662f\u975e\u5e38\u91cd\u8981\u7684\u3002\u597d\u7684\u7559\u5b66\u533b\u7597\u4fdd\u9669\u8ba1\u5212\u5e94\u8be5\u63d0\u4f9b24\u5c0f\u65f6\u7d27\u6025\u534f\u52a9\u670d\u52a1\u70ed\u7ebf\uff0c\u5982\u679c\u7a81\u7136\u9700\u8981\u627e\u4e2a\u533b\u751f\u6216\u5176\u4ed6\u4efb\u4f55\u5f62\u5f0f\u7684\u5e2e\u52a9\uff0c\u53ea\u9700\u8981\u6253\u4e2a\u7535\u8bdd\u5c31\u80fd\u5f97\u5230\u5e94\u6709\u7684\u670d\u52a1\u3002\u4fdd\u9669\u516c\u53f8\u82e5\u63d0\u4f9b\u591a\u8bed\u8a00\u7ffb\u8bd1\u652f\u6301\u5c31\u66f4\u7406\u60f3\uff0c\u6709\u4e9b\u75c5\u75db\u6216\u8eab\u4f53\u4e0a\u7684\u90e8\u4f4d\u4f60\u53ef\u80fd\u4e0d\u77e5\u9053\u5982\u4f55\u7528\u5f53\u5730\u8bed\u8a00\u6765\u8bf4\uff0c\u5982\u679c\u5ba2\u670d\u80fd\u8bf4\u81ea\u5df1\u7684\u6bcd\u8bed\u5c31\u80fd\u66f4\u5bb9\u6613\u8bf4\u51fa\u81ea\u5df1\u7684\u9700\u8981\u3002<\/p>\n<hr>\n<h3>\u7d27\u6025\u56e2\u805a(Emergency Reunion)<\/h3>\n<p>\u82e5\u5728\u56fd\u5916\u7a81\u7136\u53d1\u751f\u4e86\u610f\u5916\u800c\u5c0f\u5b69\u8fdb\u533b\u9662\u4e86\uff0c\u5c0f\u5b69\u5f53\u7136\u60f3\u6700\u4eb2\u7684\u5bb6\u4eba\u80fd\u6765\u5230\u4ed6\u4eec\u7684\u8eab\u8fb9\u966a\u4f34\u3002\u6240\u4ee5\u5728\u9009\u4fdd\u9669\u8ba1\u5212\u65f6\uff0c\u4e00\u5b9a\u8981\u770b\u6e05\u695a\u4fdd\u9669\u8ba1\u5212\u4e0a\u6709\u6ca1\u6709\u7d27\u6025\u56e2\u805a(<span class=\"has-popover hidden-xs\" title=\"\" data-toggle=\"popover\" data-content=\"Following a covered Emergency Medical Evacuation; or life-threatening Injury or Illness that requires hospitalization for more than five days, the Student Secure plan will provide benefits, up to the maximum indicated in the Schedule of Benefits and Limits, for the cost of an economy round-trip air and\/or ground transportation ticket for one of your relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized and for reasonable expenses for lodging and meals for up to 15 days.\" data-original-title=\"Emergency Reunion\">Emergency Reunion<\/span>)\u8fd9\u4e2a\u4fdd\u969c\u3002\u7d27\u6025\u56e2\u805a\u4fdd\u969c\u4e00\u822c\u662f\u5f53\u88ab\u4fdd\u4eba(\u5c0f\u5b69)\u53d1\u751f\u91cd\u5927\u4e8b\u6545\u5e76\u4f4f\u8fdbICU\u65f6\uff0c\u4fdd\u9669\u516c\u53f8\u8986\u76d6\u5c0f\u5b69\u5bb6\u4eba\u53bb\u7f8e\u56fd\u7684\u6765\u56de\u4ea4\u901a\u8d39\u7528\u3002\u8fd9\u9879\u4fdd\u969c\u6761\u6b3e\u5728\u6bcf\u5bb6\u4fdd\u9669\u516c\u53f8\u7684\u8ba1\u5212\u4e2d\u90fd\u6709\u4e9b\u4e0d\u540c\uff0c\u6240\u4ee5\u8981\u770b\u6e05\u695a\u4fdd\u9669\u6761\u6b3e\u5185\u5bb9\u7684\u7ec6\u8282\uff0c\u907f\u514d\u65e5\u540e\u7684\u8bef\u4f1a\u53ca\u70e6\u607c\u3002<\/p>\n<hr>\n<h3>\u6388\u6743\u7b2c\u4e09\u65b9\u76d1\u62a4\u4eba<\/h3>\n<p>\u5728\u7f8e\u56fd\u5f53\u521d\u9ad8\u4e2d\u7559\u5b66\u751f\u6216\u4ea4\u6362\u751f\uff0c\u5f88\u6709\u53ef\u80fd\u4f1a\u4f4f\u5728\u5bc4\u5bbf\u5bb6\u5ead\u91cc\u3002\u5bc4\u5bbf\u5bb6\u5ead\u7684\u53d4\u53d4\u59e8\u59e8\u4f1a\u50cf\u4f60\u7684\u4e34\u65f6\u5bb6\u957f\u7167\u987e\u4f60\uff0c\u5f53\u4f60\u751f\u75c5\u6216\u53d7\u4f24\u7684\u65f6\u5019\u4f1a\u6210\u4e3a\u4f60\u7684\u4e34\u65f6\u76d1\u62a4\u4eba\uff0c\u5e2e\u4f60\u586b\u5199\u4fdd\u9669\u8d44\u6599\u6216\u7533\u62a5\u4fdd\u9669\u7b49\u3002\u4f46\u6709\u4e9b\u4fdd\u9669\u516c\u53f8\u6216\u533b\u7597\u673a\u6784\u4f1a\u56e0\u4e2a\u4eba\u79c1\u9690(\u7f8e\u56fd\u7684\u4e2a\u4eba\u79c1\u9690\u6cd5\u6848HIPAA)\u4e3a\u7406\u7531\uff0c\u53ea\u80fd\u8ba9\u88ab\u4fdd\u9669\u4eba(\u5b69\u5b50)\u53bb\u5904\u7406\u4e8b\u60c5\uff0c\u5176\u4ed6\u4eba\u4e00\u5f8b\u4e0d\u53ef\u4f5c\u4e3a\u4ee3\u8868\uff0c\u6240\u4ee5\u4f60\u8981\u786e\u4fdd\u5bc4\u5bbf\u5bb6\u5ead\u7684&#8221;\u7238\u5988&#8221;\u4eec\u4e5f\u80fd\u4ee3\u8868\u5b69\u5b50\u54e6\uff01<\/p>\n<hr>\n<p><strong>\u82e5\u4f60\u6216\u4f60\u7684\u4eb2\u670b\u597d\u53cb\u4eec\u7684\u5c0f\u5b69\u51c6\u5907\u6765\u7f8e\u56fd\u8bfb\u521d\u4e2d\u6216\u9ad8\u4e2d\uff0c\u4ee5\u4e0b\u662f\u51e0\u6b3e\u9002\u5408\u521d\u9ad8\u4e2d\u7559\u5b66\u751f\u7684\u7559\u5b66\u533b\u7597\u4fdd\u9669\u8ba1\u5212\u3002<\/strong><\/p><strong>\n<\/strong><p><strong><\/strong><\/p>\n<p>\u6301\u6709F1\u6216J1\u7b7e\u8bc1\u7684\u521d\u9ad8\u4e2d\u4f4e\u9f84\u7559\u5b66\u751f\uff0c\u6211\u4eec\u7684<strong><a href=\"http:\/\/www.internationalstudentinsurance.com\/cn\/liuxue-yiliao-baoxian\/\">Student Secure\u7559\u5b66\u533b\u7597\u4fdd\u9669\u8ba1\u5212<\/a><\/strong>\u4f1a\u662f\u4ed6\u4eec\u7684\u9996\u9009\u3002Student Secure\u8ba1\u5212\u6709\u56db\u79cd\u7ea7\u522b\u53ef\u4f9b\u9009\u62e9\uff0c\u5206\u522b\u662fSmart\u3001Budget\u3001Select\u6216Elite\uff0c\u53ef\u6309\u7167\u5b66\u751f\u7684\u5b9e\u9645\u9700\u8981\u548c\u5b66\u6821\u7684\u89c4\u5b9a\u81ea\u7531\u9009\u62e9\u3002\u56db\u79cd\u7ea7\u522b\u90fd\u7b26\u5408\u7f8e\u56fd\u56fd\u52a1\u9662\u7684J1\u7b7e\u8bc1\u4fdd\u9669\u89c4\u5b9a\u3002\u5982\u679c\u4f60\u4f1a\u53c2\u52a0\u6821\u961f\u6216\u6821\u5185\u4f53\u80b2\u6bd4\u8d5b\uff0cBudget\u3001Select\u548cElite\u7ea7\u522b\u4e5f\u5305\u62ec\u6709\u7ec4\u7ec7\u8fd0\u52a8(\u5b66\u9662\u9645\u3001\u6821\u9645\u3001\u6821\u5185\u3001\u4ff1\u4e50\u90e8\u4f53\u80b2\u6d3b\u52a8)\u7684\u533b\u7597\u8986\u76d6\u3002<\/p>\n<p>\u5982\u679c\u662f\u900f\u8fc7\u521d\u9ad8\u4e2d\u4ea4\u6362\u751f\u6216\u6e38\u5b66\u56e2\u7b49\u8ba1\u5212\u6765\u7f8e\u56fd\u4ea4\u6d41\uff0c\u5e76\u4e14\u7559\u7f8e\u65f6\u95f4\u4e0d\u8d85\u8fc7\u4e00\u5e74\u7684\u8bdd\uff0c\u7559\u5b66\u751f\u53ef\u4ee5\u9009\u62e9\u6211\u4eec\u7684 <strong><a href=\"http:\/\/www.internationalstudentinsurance.com\/cn\/guoji-lvyou-yiliao-baoxian\/\">Atlas Travel\u533b\u7597\u4fdd\u9669\u8ba1\u5212<\/a><\/strong>\u3002Atlas Travel\u8ba1\u5212\u6709\u5f88\u9ad8\u7684\u7075\u6d3b\u6027\uff0c\u53ef\u4ee5\u81ea\u7531\u9009\u62e9\u81ea\u5df1\u6240\u9700\u8981\u7684\u514d\u8d54\u989d\u3001\u603b\u4fdd\u989d\u4ee5\u53ca\u5b9e\u9645\u7684\u7559\u7f8e\u65f6\u95f4(\u82e5\u662f\u6301J1\u7b7e\u8bc1\u7684\u7559\u5b66\u751f\uff0c\u53ea\u9700\u8981\u9009\u62e9\u603b\u4fdd\u989d$100,000\u7f8e\u5143\u53ca\u514d\u8d54\u989d\u4e0d\u9ad8\u4e8e$500\u7f8e\u5143\u5c31\u80fd\u7b26\u5408\u7f8e\u56fd\u56fd\u52a1\u9662\u7684J1\u7b7e\u8bc1\u4fdd\u9669\u89c4\u5b9a)\uff0c\u8ba9\u4f60\u5728\u7f8e\u56fd\u4ea4\u6d41\u5b66\u4e60\u7684\u6bcf\u4e00\u5929\u90fd\u6709\u4fdd\u969c\u3002<\/p>\n<p>\u8fd9\u4e24\u4e2a\u8ba1\u5212\u90fd\u4e3a\u7559\u5b66\u751f\u63d0\u4f9b\u6240\u9700\u7684\u533b\u7597\u8986\u76d6\uff0c\u5305\u62ec\u4f4f\u9662\uff0c\u95e8\u8bca\u5c31\u533b\uff0c\u8bca\u6240\u5c31\u533b\uff0c\u6025\u8bca\uff0c\u5904\u65b9\u836f\u7b49\u3002\u5982\u679c\u4f60\u5728\u9009\u62e9\u521d\u9ad8\u4e2d\u7559\u5b66\u533b\u7597\u4fdd\u9669\u65f6\u9700\u8981\u8fdb\u4e00\u6b65\u7684\u534f\u52a9\uff0c<a 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