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Hi,
I am a exchange visitor from China. Now I need purchase an insurance for 3 months, which must meet the following waiver criteria. Could you recommend some? Thank you.
Waiver criteria:
For international students and their accompanying dependents, a comparable health insurance plan will:
1.Must be an provided by an entity or carrier that is approved to do business in the U.S.;
a.Travel insurance is not acceptable.
b.Insurance that covers emergencies only is not acceptable.
2.Must provide preventative care and FDA approved contraceptives covered at 100% (for plans that have in-network/out-of-network providers, coverage at 100% for in-network providers only is acceptable);
3.Must include coverage for both accident and sickness;
4.Must include coverage for all pre-existing conditions with no limits for the coverage;
5.Must have a deductible not in excess of $500 per individual, per policy (academic) year;
6.Must have coverage for hospital room, board, miscellaneous hospital expenses, physician expenses in and out of the hospital, ambulance service, outpatient labs, x-rays and diagnostic tests without specific limitations for the treatment of medical conditions;
7.Must have coverage for pregnancy as any other illness or injury;
8.Must have an unlimited benefit for any illness or injury as per ACA guidelines;
9.Must have inpatient and outpatient, mental health and substance abuse coverage and must be covered as any other illness or injury;
10.Must have coverage for injuries or illnesses that occur as a result of alcohol, illegal drugs or as the result of an attempt to commit suicide and must be covered as any other illness or injury;
11.Must have prescription drug coverage with a minimum of $100,000 coverage per policy (academic) year;
12.Must pay benefits worldwide (exemption from coverage in an international student’s home country is acceptable);
13.Must have provision for medical evacuation of not less than $50,000 to an international student’s home country; and
14.Must have provision for repatriation (after death, removal of remains) of not less than $25,000 to an international student’s home country.
I am a exchange visitor from China. Now I need purchase an insurance for 3 months, which must meet the following waiver criteria. Could you recommend some? Thank you.
Waiver criteria:
For international students and their accompanying dependents, a comparable health insurance plan will:
1.Must be an provided by an entity or carrier that is approved to do business in the U.S.;
a.Travel insurance is not acceptable.
b.Insurance that covers emergencies only is not acceptable.
2.Must provide preventative care and FDA approved contraceptives covered at 100% (for plans that have in-network/out-of-network providers, coverage at 100% for in-network providers only is acceptable);
3.Must include coverage for both accident and sickness;
4.Must include coverage for all pre-existing conditions with no limits for the coverage;
5.Must have a deductible not in excess of $500 per individual, per policy (academic) year;
6.Must have coverage for hospital room, board, miscellaneous hospital expenses, physician expenses in and out of the hospital, ambulance service, outpatient labs, x-rays and diagnostic tests without specific limitations for the treatment of medical conditions;
7.Must have coverage for pregnancy as any other illness or injury;
8.Must have an unlimited benefit for any illness or injury as per ACA guidelines;
9.Must have inpatient and outpatient, mental health and substance abuse coverage and must be covered as any other illness or injury;
10.Must have coverage for injuries or illnesses that occur as a result of alcohol, illegal drugs or as the result of an attempt to commit suicide and must be covered as any other illness or injury;
11.Must have prescription drug coverage with a minimum of $100,000 coverage per policy (academic) year;
12.Must pay benefits worldwide (exemption from coverage in an international student’s home country is acceptable);
13.Must have provision for medical evacuation of not less than $50,000 to an international student’s home country; and
14.Must have provision for repatriation (after death, removal of remains) of not less than $25,000 to an international student’s home country.
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