UNK  보험 요구 조건

 All students will be enrolled in the UNK Health Insurance Plan unless a waiver application 

 has been submitted to and approved by International Student Services before the end of

 the first week of the semester. Late waivers will not be accepted

     $50,000 Major Medical $ 10,000 Medical Evacuation
     $7,500 Repatriation of Remains $ 500 of Deductible Limits

      Attach a photocopy of the insurance policy or card stating the coverage and amounts in

      U.S. dollars  

      along  with English translation of the policy.
      I do hereby agree to maintain health care insurance, as required by regulations.

      I understand that:
  I must maintain coverage throughout every semester (including summers) for which

      I am enrolled at the University Of Nebraska at Kearney;
  I will make every effort to submit to my insurance company claims for payment.

      I understand that I am responsible for all Health Care charges not allowed by my  

      Insurance Policy.

 학교 제휴 보험 대신 타 보험을 가입 할수 있다는 내용

International students are required to have health insurance and will be billed for the cost of the UNK insurance plan. If you are an international student and you already have insurance coverage that meets federal guidelines you may apply for a waiver from the International Education office. You must bring an English translation of your policy and documentation to prove current coverage when applying for the waiver. You must apply for the waiver as early as possible before the semester begins and submit the waiver to the Finance Office before the end of the second week of classes for that semester. Please contact the International Education office at 865-8246 for information about waivers.
Charges from UNK Health Care are your responsibility to pay. If you wish to submit those charges to your insurance carrier, you may send the invoice given to you by the nurse with your insurer's claim form. UNK Health Care does not submit insurance claim forms. UNK Health Care may NOT be a PPO Provider with your insurance company.
Kearney Clinic, Good Samaritan Hospital and other local clinics will request your insurance information when you receive their services. Depending on the type of insurance you carry, their billing office can submit your insurance claim if you provide them with the requested information. If you are insured under a parent's or guardian's policy, please request an extra insurance card from your insurer to bring to college with you.

insurance waiver 란 :

학교 제휴 보험 대신 다른 보험을 가입 하고 있다면 학교에서 요구하는 면제폼을 제출하시면 학교에서 판매하는 보험을 가입하지 않음

insurance waiver form

http://www.unk.edu/uploadedFiles/international/iss/forms/UNK%20Insurance%20Waiver.pdf 

학교 제휴보험 보험료 사이트

http://www.sas-mn.com/pdf/enroll/w142neen.pdf

학교 제휴 보험 약관 사이트

http://www.sas-mn.com/pdf/brochure/w142ne.pdf

학교 제휴 보험의 단점

1.고객 부담금이 Deductible $500 이라 고객께서 부담이 됨

2.질병이나상해치료시 치료비의 100%보상이 안됨

3.전공 치료시 총치료비의 80%만 보상됨

보상하지않는손해

   1. 기왕증(보험가입이전에가지고있던질환이나신체적장애의치료및검사를목적으로발생한비용) 
   2. 임신, 출산과관련된비용
   3. 단순 건강 검사를 목적으로 하는 비용(시력검사및건강검진) 
   4 .예방접종비용 (학교입학시Immunization 포함) 

5. 정신과 질환/행동장애

6. HIV(에이즈)

7. 비뇨기계장애(요로결석)

8. 비뇨기과질환중N39 또는요실금