School health care:
Most universities in the United States have clinics, clinics or other forms of medical and health care institutions to serve students. The "health care fee" paid by students every semester is used for this kind of health care service. However, medical care services in universities are limited to headache, brain fever and emergency treatment. In case of serious illness, the school will transfer the students to the local hospital for treatment, and the required medical expenses will of course be paid by the students themselves. Generally speaking, the introduction materials sent to the applicant by the school that accepts the applicant will explain the contents and costs of the medical and health services that the school can provide.
Health insurance plan:
If the university where the applicant attends does not provide health insurance for the applicant, then the applicant must join a health insurance plan by himself, because only in this way can the applicant not have to pay expensive medical expenses when he is seriously injured or seriously ill. There are countless health insurance companies in the United States, and each company offers several health insurance plans. Applicants can ask foreign students' tutors as their consultants in order to participate in the most suitable health insurance plan. The following are several different types of health insurance plans:
Funded international students
If the applicant has obtained financial aid or scholarship from an American institution, it is likely that the guarantee institution has provided health insurance for the applicant. The insured must clearly know which insurance services can be enjoyed and which insurance services cannot be enjoyed under this insurance. If the applicant's spouse or children go to the United States with the applicant, please understand the regulations on their medical care.
(2) University insurance plan
Some universities require each student to take out health and accident insurance in addition to paying the "health care fee" every semester. However, most schools only recommend a student health insurance plan to students. Most of these plans are supplements to some kind of health insurance plan that students or their parents have already participated in. Although this kind of insurance is better than no insurance, it rarely meets the needs of international students. Applicants can write or ask foreign student tutors about participating in health insurance after arriving at school.
(3) Special projects suitable for international students
In cooperation with two insurance companies, the National Committee for International Students Affairs of the United States has designed several insurances suitable for international students in the United States. These types of insurance have wide coverage and reasonable fees. For details, please contact the following two units:
1.NAFSA- international accident and disease plan
House of Commons, Ithaca, New York 14850 2. NAFSA health care additional I
International Insurance Company, 7653 Lisbury Park Falls Church, Virginia 22.
044
If the applicant's spouse and/or children travel with the applicant, please also know about the family insurance plan including family members.
Insurance coverage, limit and non-insurance coverage
The scope of basic medical insurance
Basic medical insurance usually includes medical expenses for serious illness (or a certain proportion of medical expenses), hospitalization expenses and operation expenses. Minor illnesses and injuries can be treated in the doctor's office, so most health insurance does not pay for minor illnesses. If the applicant's spouse and/or children go to the United States with the applicant, they must also enjoy health insurance. To this end, the applicant can purchase a "family insurance plan" that both the applicant and the applicant's family can enjoy.
(2) Major medical insurance
Major medical insurance is for patients with chronic diseases or serious injuries. This kind of insurance does not pay all medical expenses for the insured, and often contains a "deduction clause", which stipulates that I have to pay a specified amount, and the insurance company will pay the excess; Or agree that the insurance company will pay a certain proportion (usually more than 50%) of medical expenses. Usually, the amount I pay in advance is between $500 and 1000, depending on the type of insurance policy and the content of insurance. The maximum amount paid by an insurance company is generally between 5,000 and 25,000 dollars.
(3) restrictions
Most insurances stipulate a certain limit, that is, the maximum amount of compensation for various medical and health services by insurance companies. The patient will pay more than this amount. However, the insurance scheme designed by the National Committee for International Students only stipulates the maximum amount of ward expenses and meals during hospitalization, and all other expenses are borne by the insurance company.
(4) Non-insurance coverage
1. obstetrics
Maternity insurance must be purchased separately. Most maternity insurance allows women to stay in hospital for two days. In the United States, a normal delivery fee is 1850 to $2,850.
2. Dentistry
It is best to do dental treatment in China first, because dental treatment in the United States is quite expensive.
eyeglasses
If the applicant wears glasses, he should have an eye examination before leaving, and bring an optometry sheet and a pair of spare glasses when going to the United States. Unless the eyes are injured, health insurance generally does not pay for ophthalmology.
4. Existing diseases
Most insurance companies will not pay for the medical expenses required for diseases that existed before the effective date of insurance.
5. Other non-insurance coverage
You must carefully read the insurance coverage and non-insurance coverage listed in each policy, especially to find out which expenses are not covered by insurance. Life insurance Life insurance is to insure the life of the insured. If the insured dies unfortunately, the insurance money will be paid to the beneficiary designated by the insured.
Personal insurance:
There are also different types, so you should understand their differences before buying.
Baggage insurance:
Many students will insure their luggage when they go to America.
Personal property insurance:
Applicants are advised not to bring jewelry and other valuables to the United States. If you decide to take them with you, you should insure them against loss, theft and damage.
Automobile insurance:
If the applicant intends to own a car in the United States, most States stipulate that the car mainly participates in automobile and liability insurance. If the applicant rents a car, the rental fee usually includes insurance.