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泰安铂金计划A (Student Health Advantage Platinum)


IMG泰安铂金计划A (Student Health Advantage Platinum) 是专为留学生和访问学者设计的保险计划。国际学生和访问学者持各种美国签证 (F1签证、J1签证、OPT、M1签证以及他们的家属) 前往美国进行交流。任何人在其长居国家境外的教育交流都有资格购买。在线随时购买,选择任何未来日期作为保险的生效日期。随行家属不能单独购买,只能与F1/J1/M1一起购买。 所有的J签证持有者都需要在签证期间持有满足美国国务院 (USDOS) J签证要求的保险。泰安铂金计划A满足国务院J签证的保险要求。泰安标准计划A还包括心理健康和生育险,6个月免责期后先前疾病可以赔付到保单的最高赔付限额,并且还有按月分期付款的选择。

个人(家庭) 报价/购买 团体 报价/购买
保险提供商 IMG (International Medical Group)
医疗网络 在美国境内可以选择使用美国最好的医疗网络 UnitedHealthcare,该网络提供直接结算、简化理赔程序。
计划类型 Designed specifically for international scholars and students (F1,F2,J1,J2,OPT). Purchase monthly increments (from 1 to 12 months), renewable up to 5 years if initial purchase is 3 months or more.
最高赔付 最高赔付每期(年)$1,000,000, 每次生病或受伤$500,000
免赔额(保险赔付前的自付部分) 指定医疗网络内, 每次生病或受伤 $25, 非指定医疗网络, 每次生病或受伤 $50
学校医务室挂号费 $5 挂号费, $0 免赔额
生病受伤共同保险 No coinsurance outside of U.S.; or in PPO within U.S. Out of PPO within U.S.: 20% of the first $5,000 of eligible charges, then no coinsurance.
产科共同保险 保险生效前的怀孕不在生育险的理赔范围内.
美国境外无个人赔付比例。美国境内指定医疗网络80%/20%(保险赔付 80%), 非指定医疗网络60%/40%.
住院 保证普通病房费用
重症监护 URC(通常合理的惯例的费用)
心理健康和药物滥用 In-patient URC to $10,000, out-patient $50/day to $500
急诊室 受伤急诊或住院的生病急诊: URC;未住院的生病急诊: $250附加免赔额
处方药 In-patient URC, out-patient 50%
意外牙科 受伤 $500, 突痛 $350
意外伤残或死亡 $25,000
紧急救援 $500,000
身故遗体送返 $50,000
先前的疾病(生病或受伤) 免责期6个月
团体价格 5个或以上主申请人购买团体铂金计划A 约18%优惠
福利详情 Benefit Details
合同样本 保险合同样本
Monthly Price Chart (US Destination Only)
年龄 F1/J1 Spouse
< 19 $108 $576
19-23 $142 $576
24-30 $164 $636
31-40 $294 $847
41-50 $481 $875
51-64 $642 $847
Child $122

For a non - US Destination click for Quote
常见问题 点击查看常见问题
阅读相关文章 J visa, F visa

个人(家庭) 报价/购买 团体 报价/购买

Plan More about Student Health Advantage
Plan Highlights
  • On the Plan A effective date you need to have a valid J1/F1 visa and be outside of your home country for your study or program.
  • Taian Plan A (Platinum only) covers maternity only if the pregnancy begins after the plan is effective.
  • In vitro fertilization or artificial insemination is not covered.
  • Emergency Room: Injury: URC; Illness resulting in hospitalization: URC; Illness without hospitalization: Subject to addtional $250 deductible
  • Physical Therapy: URC -limit once per day
  • Standard Plan Local Ambulance: Per injury up to $350, Per illness only if admitted in-patient up to $350
  • Platinum Plan Local Ambulance: Per injury up to $750, Per illness only if admitted in-patient up to $750
  • Dental: Injury due to covered accident $500; Sudden & unexpected pain $350
  • Intercollegiate/Interscholastic/intramural or club sports: $5,000 per injury/illness medical expenses only
  • Incidental home country coverage: up to cumulative two weeks
  • Terrorism coverage: up to 50,000 lifetime maximum
  • F2/J2 dependents can only purchase when the F1/J1 purchases. Maximum limit per period of coverage and per illness maximum for dependents is $100,000
  • To maximize your benefits under your plan hospital stays should be precertified if planned in advance. IMG should be notified promptly for emergency hospital stays.
  • Preventive care including well physical exams and vaccines are not covered. Plans covering wellness benefits typically cost $200-$300 or more per month. Ask us about inexpensive and sometimes free ways to receive these services.
  • Group Plan available for groups of 5 or more unrelated individuals (non-family members). Must use one credit card to pay for the whole group. Use the credit card holder's name as the "Contact Name". Use the credit card holder's email as the group contact for the plan. "Sponsoring Organization" should reflect your common affiliation (examples: "your school name visiting scholars" or "CSC your school name Exchange").
  • You can purchase up to a year and pay monthly for a 4% extra charge.
  • Plan A (Platinum only) Maternity coverage has $5,000 maximum benefit. Benefit includes routine newborn care.
  • If you want Student Health Advantage (Plan A) and have a destination outside the US you are eligible to purchase at a lower premium cost. Click here to Quote/Buy Plan A Standard for a non-US destination. Click here to Quote/Buy Plan A Platinum for a non-US destination.
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