最高医疗保额 |
$600,000 |
$5,000,000 |
$50,000, $100,000, $250,000, $500,000 $1,000,000, or $2,000,000 (Ages 70 to 79: $50,000 or $100,000 limit; Ages 80+: $10,000 limit) |
$50,000, $100,000, $500,000 or $1,000,000 (Ages 70 to 79: $50,000 limit; Ages 80+: $10,000 limit) |
每宗伤害或疾病的最高保额 |
30万美元 |
Choice of $50,000, $100,000, $250,000, or $500,000 |
保障直至最高保额 |
保障直至最高保额 |
免赔额 |
$35 |
Choice of $0, $100, $250, $500 per illness or injury |
$0, $100, $250, $500, $1,000, $2,500 or $5,000 |
可选择$0, $100, $250, $500, $1,000 或 $2,500美元 |
共同保险额度 |
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) |
USA In-Network: Plan pays 90%; $1000 out-of-pocket maximum USA Out-of-Network: Plan pays 80%; up to maximum limit |
扣除免赔额后,计划承担100%的合资格医疗费用直至最高保额 |
In Network: 100% Coverage Out of Network: 80% coverage up to $5,000, then 100% up to the policy maximum |
已存在状况/疾病 |
6-month waiting period
Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period
See policy wording for full benefit description |
For conditions existing within 36 months before effective date, charges excluded until after 12 months of coverage and then $500 per period of coverage and $1,500 maximum limit. |
Only charges resulting from an Acute Onset of a Pre-existing Condition can be eligible for coverage. Coverage is for those under age 80 and is up to the policy maximum of the plan. For Emergency Medical Evacuation, an Acute Onset of a Pre-existing Condition is covered up to a $25,000 lifetime maximum.
See policy wording for full benefit description |
Only charges resulting directly from an Acute Onset of a Pre-existing Condition can be eligible for coverage prior to age 70 : Up to the maximum limit of the policy purchased |
怀孕生育保障 |
最高上限$10,000 |
不理赔 |
只覆盖怀孕头第26周妊娠合并症的治疗费用 |
不理赔 |
心理健康保障 |
Outpatient: Max. 30 days of coverage. Inpatient: Max. 30 visits. Coverage includes drug and alcohol abuse. |
Outpatient: $50 maximum per day; $500 maximum limit
Inpatient: $10,000 maximum limit
Not covered if incurred in student health center |
不理赔 |
不理赔 |
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 Add-on available, please select that option to view pricing. |
不理赔 |
不理赔 |
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 |
极限运动 |
Some exclusions apply |
No Coverage
Optional Adventure Sports rider available, please select that option to view pricing. |
Some exclusions apply |
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 |
30万美元 / $25,000美元 |
$50,000/$25,000 |
$1,000,000 / Equal to the elected overall maximum limit |
$1,000,000 / Up to the maximum limit |