Houghton University
Houghton, NY

持有F1签并在Houghton University就读的留学生，以下的保险计划是能满足你学校要求的合适选择。

		最高保额	免赔额	每月保费 *
在线投保	Smart	$200,000	$0	$31
在线投保	Budget	$500,000	$0	$52
在线投保	Select	$1,000,000	$0	$104
在线投保	Elite	$5,000,000	$0	$178
在线投保	Standard	$500,000	$100 每宗疾病/受伤 (医疗网络内的机构就医)	$94 rate for ages 19-23
在线投保	Platinum	$1,000,000	$25 每宗疾病/受伤 (医疗网络内的机构就医)	$288 rate for ages 19-23

* 以上保费是24岁或以下人士年龄层的保费。

并列比较所有的保障

Smart
最高医疗保额 20万美元
每宗伤害或疾病的最高保额 $100,000
免赔额 $0(co-pays apply)
共同保险额度 In-Network: 80% of the next $100,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.

Out-Network: Usual, Reasonable, and Customary (URC)
已存在状况/疾病 (急性发作) $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only
See policy wording for full benefit description
已存在状况/疾病 不理赔
怀孕生育保障 不理赔
心理健康保障 Outpatient: $50 per day, $500
Inpatient: Up to $5,000
学校团队运动保障 不理赔
休闲、娱乐、健身等活动/运动 按保障条款覆盖
极限运动 Some exclusions apply
紧急医疗运送/遗体运送回国 $50,000 / $25,000

Budget
最高医疗保额 50万美元
每宗伤害或疾病的最高保额 25万美元
免赔额 $0 (co-pays apply)
共同保险额度 In-Network: 80% of the next $45,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.

Out-Network: Usual, Reasonable, and Customary (URC)
已存在状况/疾病 (急性发作) 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
已存在状况/疾病 12-month waiting period
怀孕生育保障 最高上限$5,000
心理健康保障 Outpatient: Max. 30 visits.
Inpatient: Max. 30 days of coverage.
Coverage includes drug and alcohol abuse.
学校团队运动保障 不理赔
休闲、娱乐、健身等活动/运动 按保障条款覆盖
极限运动 Some exclusions apply
紧急医疗运送/遗体运送回国 25万美元 / $25,000美元

Select
最高医疗保额 100万美元
每宗伤害或疾病的最高保额 50万美元
免赔额 $0 (co-pays apply)
共同保险额度 In-Network: 80% of the next $25,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.

Out-Network: Usual, Reasonable, and Customary (URC)
已存在状况/疾病 (急性发作) 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
已存在状况/疾病 6-month waiting period
怀孕生育保障 最高上限$10,000
心理健康保障 Outpatient: Max. 30 visits.
Inpatient: Max. 30 days of coverage.
Coverage includes drug and alcohol abuse.
学校团队运动保障 Coverage up to $5,000 coverage per injury / illness — medical expenses only for intercollegiate, interscholastic, intramural, or club sports
休闲、娱乐、健身等活动/运动 按保障条款覆盖
极限运动 Some exclusions apply
紧急医疗运送/遗体运送回国 $300,000 / $50,000

Elite
最高医疗保额 $5,000,000
每宗伤害或疾病的最高保额 50万美元
免赔额 $0 (co-pays apply)
共同保险额度 In-Network: 80% of the next $10,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.

Out-Network: Usual, Reasonable, and Customary (URC)
已存在状况/疾病 (急性发作) 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
已存在状况/疾病 6-month waiting period
怀孕生育保障 Up to $15,000
心理健康保障 Outpatient: Max. 40 visits.
Inpatient: Max. 40 days of coverage.
Coverage includes drug and alcohol abuse.
学校团队运动保障 Coverage up to $5,000 coverage per injury / illness — medical expenses only for intercollegiate, interscholastic, intramural, or club sports
休闲、娱乐、健身等活动/运动 按保障条款覆盖
极限运动 Some exclusions apply
紧急医疗运送/遗体运送回国 $50万美元 / $5万美元

Standard
最高医疗保额 50万美元
每宗伤害或疾病的最高保额 30万美元
免赔额 $100
共同保险额度 In-Network: The plan pays 100% of eligible expenses up to Maximum Limit
Out-Network:The plan pays 80% of eligible expenses up to $5,000, then 100% up to Maximum Limit
已存在状况/疾病 (急性发作) 不理赔
已存在状况/疾病 连续覆盖12个月后
怀孕生育保障 不理赔
心理健康保障 住院治疗: 终身最高1万美元
门诊治疗: 每天最高$50美元；终身最高$500美元
*学校健康中心接受治疗不获理赔
学校团队运动保障 Coverage up to $5,000 coverage per injury / illness — medical expenses only for intercollegiate, interscholastic, intramural, or club sports
休闲、娱乐、健身等活动/运动 按保障条款覆盖
极限运动 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 $50万美元 / $5万美元

Platinum
最高医疗保额 100万美元
每宗伤害或疾病的最高保额 50万美元
免赔额 $25
共同保险额度 In-Network: 100% of eligible expenses up to Maximum Limit
Out-Network: 80% up to $5,000, then 100% up to Maximum Limit
已存在状况/疾病 (急性发作) 不理赔
已存在状况/疾病 连续覆盖6个月后
怀孕生育保障 最高上限$5,000
心理健康保障 住院治疗: 终身最高1万美元
门诊治疗: 每天最高$50美元；终身最高$500美元
*学校健康中心接受治疗不获理赔
学校团队运动保障 Coverage up to $5,000 coverage per injury / illness — medical expenses only for intercollegiate, interscholastic, intramural, or club sports
休闲、娱乐、健身等活动/运动 按保障条款覆盖
极限运动 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 $50万美元 / $5万美元

Why do I need health insurance? Watch this video to learn more about healthcare in the US and why having health insurance is important. This video teaches international students how to prepare for their arrival in the US, how the US healthcare system works and how students should seek medical care appropriately if they become sick or injured.

Please visit www.internationalstudentinsurance.com/explained/ for more information.