Travel insurance inquiries

[submittedviaemail]

Insurance InquiriesDear Insubuy,
I am interested in your travel inssurance and here is my questions. Please help me to clarify.
The attached picture is the insurance package that I intend to buy for 8 months.
I wonder:
1. payment: Will I have to pay all 1845 USD at one time or Can I devide it into different times of payment?
2.Cancelation: What if after several months I want to stop this insurance. How is the refund.
Please make it clear and detailed for me in term of this refund.
3. My address is:
So please show me the list of clinics and doctors that I can go to to get covered by insurance.
Thank you.
Look forward to hearing from you.

[submittedviaemail]

Here is the attachment which is the insurance package that I want to get.
Here are my questions:
1. Deductible 0: means that whenever I go to the hospital either for checking or new health problem all fee will be covered by insurance right from beginning? (max is 1000000)
2. Payment? once or I can devide into small amounts
3. Early cancelation, you said I can take unused part but please clarify what is unused part
4. Doctors and hospitals list where this insurance can cover my fee.

I provide you my visa in attach file.
Address as in above email.
My school does not have any requirements for insurance.
Thank you

[submittedviaemail]

Hi,
I have one question.
I would like to take a specific example:
For example I bought for 8 months with the price 2145 USD (Debitable 0 usd, maximum 1000000 usd) If I do not have to use that insurance. after 3 months, i want to come back Vietnam so how much for refund in this case? Will it be 2145 minus the 25 USD for cancelation fee?
Thank you

[submittedviaemail]

Hi.
Thank you for your answer. Last one, i get the package with deductible is 0% so it means for example I go for check up and it takes me 200 usd. And the insurance will cover all 200 usd for me in this case?
Thank you