Queens University of Charlotte - OPT
Charlotte, NC

For graduates of Queens University of Charlotte who are on OPT, the following plans will work for you.

		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	Variable	$50,000–$2,000,000	$0–$5,000	$48.60

* 以上保费是24岁或以下人士年龄层的保费。

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 days of coverage.
Inpatient: Max. 30 visits.
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 days of coverage.
Inpatient: Max. 30 visits.
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 days of coverage.
Inpatient: Max. 40 visits.
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

America
最高医疗保额 $50,000, $100,000, $250,000, $500,000 $1,000,000, or $2,000,000
(Ages 70 to 79: $50,000 or $100,000 limit; Ages 80+: $10,000 limit)
每宗伤害或疾病的最高保额 保障直至最高保额
免赔额 $0, $100, $250, $500, $1,000, $2,500 or $5,000
共同保险额度 扣除免赔额后，计划承担100%的合资格医疗费用直至最高保额
已存在状况/疾病 (急性发作) Only charges resulting from an Acute Onset of a Pre-existing Condition can be eligible for coverage. Coverage is for those under age 80 and is up to the policy maximum of the plan. For Emergency Medical Evacuation, an Acute Onset of a Pre-existing Condition is covered up to a $25,000 lifetime maximum.
See policy wording for full benefit description
已存在状况/疾病 不理赔
怀孕生育保障 只覆盖怀孕头第26周妊娠合并症的治疗费用
心理健康保障 不理赔
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 $1,000,000 / Equal to the elected overall maximum limit

如果你需要协助寻找或投保计划，请contact our customer service team，我们持有保险牌照的客服同事会立刻为你提供帮助:

International Student Insurance(ISI留学保险)为各留学生搜集美国大学的保险要求信息资源，但这并不代表本网站或本公司与你的学校有任何合作关系。购买前你应该再次与你的学校或我们的客服团队确认我们的保险计划是否符合你学校的留学保险规定要求。