最高医疗保额 |
50万美元 |
$600,000 |
$5,000,000 |
50万美元 |
100万美元 |
$5,000,000 |
每宗伤害或疾病的最高保额 |
25万美元 |
30万美元 |
50万美元 |
25万美元 |
30万美元 |
50万美元 |
免赔额 |
$45 |
$35 |
$25 |
$0 (co-pays apply) |
$0 (co-pays apply) |
$0 (co-pays apply) |
共同保险额度 |
In-Network: 80% of the next $25,000 of eligible expenses after the deductible, then 100% to the overall maximum
Out-Network: Usual, Reasonable, and Customary (URC) |
In-Network: 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum
Out-Network: Usual, Reasonable, and Customary (URC) |
In-Network: 100% of eligible expenses after the deductible to the overall maximum
Out-Network: Usual, Reasonable, and Customary (URC) |
In-Network: 80% of Eligible Expenses up to $5,000, then 100% up to the Maximum Benefit
Out-Network: 70% of Eligible Expenses up to Maximum Benefit |
In-Network: 80% of Eligible Expenses up to $5,000, then 100% up to the Maximum Benefit
Out-Network: 80% of Eligible Expenses up to Maximum Benefit |
In-Network: 100% of Eligible Expenses up to the Maximum Benefit
Out-Network: 90% of Eligible Expenses up to Maximum Benefit |
已存在状况/疾病 |
12-month waiting period
Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period |
6-month waiting period
Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period |
6-month waiting period
Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period |
12-month waiting period Additional $5,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period |
12-month waiting period Additional $15,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period |
6-month waiting period Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period |
怀孕生育保障 |
最高上限$5,000 |
最高上限$10,000 |
最高上限$25,000 |
In Network: Plan pays 80% to $5,000 for a covered pregnancy. Out-of-Network: Plan pays 60% to $5,000 for a covered pregnancy. |
In Network: Plan pays 80% to $10,000 for a covered pregnancy. Out-of-Network: Plan pays 60% to $10,000 for a covered pregnancy. |
In Network: Plan pays 80% to Maximum Benefit for a covered pregnancy. Out-of-Network: Plan pays 60% to Maximum Benefit for a covered pregnancy. |
心理健康保障 |
Outpatient: Max. 30 days of coverage. Inpatient: Max. 30 visits. Coverage includes drug and alcohol abuse. |
Outpatient: Max. 30 days of coverage. Inpatient: Max. 30 visits. Coverage includes drug and alcohol abuse. |
Outpatient: Max. 30 days of coverage. Inpatient: Max. 30 visits. Coverage includes drug and alcohol abuse. |
Outpatient: Max. 30 days of URC coverage. Inpatient: Max. 30 visits of URC coverage. Coverage includes substance abuse. |
Outpatient: Max. 30 days of URC coverage. Inpatient: Max. 30 visits of URC coverage. Coverage includes substance abuse. |
Outpatient: Max. 30 days of URC coverage. Inpatient: Max. 30 visits of URC coverage. Coverage includes substance abuse. |
学校团队运动保障 |
No Coverage
Optional Team Sports rider available, please select that option to view pricing |
No Coverage
Optional Team Sports rider available, please select that option to view pricing |
No Coverage
Optional Team Sports rider available, please select that option to view pricing |
Coverage up to $5,000 coverage per injury / illness — medical expenses only for intercollegiate, interscholastic, intramural, or club sports |
Coverage up to $5,000 coverage per injury / illness — medical expenses only for intercollegiate, interscholastic, intramural, or club sports |
Coverage up to $5,000 coverage per injury / illness — medical expenses only for intercollegiate, interscholastic, intramural, or club sports |
休闲、娱乐、健身等活动/运动 |
按保障条款覆盖 |
按保障条款覆盖 |
按保障条款覆盖 |
按保障条款覆盖 |
按保障条款覆盖 |
按保障条款覆盖 |
极限运动 |
Some exclusions apply |
Some exclusions apply |
Some exclusions apply |
No Coverage
Optional Adventure Sports rider available, please select that option to view pricing. |
No Coverage
Optional Adventure Sports rider available, please select that option to view pricing. |
No Coverage
Optional Adventure Sports rider available, please select that option to view pricing. |
紧急医疗运送/遗体运送回国 |
25万美元 / $25,000美元 |
30万美元 / $25,000美元 |
$50万美元 / $5万美元 |
$250,000/ $50,000 |
$300,000/ $50,000 |
$500,000/ $50,000 |