DB손해보험 유학생보험 개인홈페이지 입니다.

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University of Kentucky	미국대학교보험University of Kentucky

본 홈페이지는 유학생, 교환교수, 비지팅스칼라, 포스트닥, 출장자 및 출국하시는 동반가족 분들이 가입 하실수 있는 보험입니다.
상담을 원하시면 상담요청을 작성 해주시거나 이메일을 보내주시면 됩니다.
실시간으로 상담을 원하시면 MSN 대화상대 추가를 해주시면 외국에 계시더라도 보상 및 보험 문의를 하실수 있습니다.

보험 조건

Health Coverage Is Required

Health coverage is very important. UK requires all international students (on an F-1, J-1, or J-2 visa) to have qualifying health coverage. International students are automatically enrolled in the UK Student Health Plan (SHP) when they register for classes. You do not need to fill out any forms to enroll in SHP.

The cost of SHP will be added to your student bill. See cost below. You may choose to buy coverage for your spouse and/or children through the company’s website and learn more at uky.myahpcare.com.

보험 면제 사항

Which waiver applications are approved?

Approved waiver applications must meet all four of the following:

Be received by the posted deadline,
Include all requested plan documents,
Provide documentation of medical evacuation and repatriation benefits*, and
Show evidence of unlimited coverage for all “essential benefits” outlined in the Affordable Care Act (ACA) standards.

*Medical evacuation and repatriation coverage may be purchased separately if needed.

Term	Duration of Coverage	Cost
Fall 2017	August 15, 2017-December 31, 2017	$823
Spring/Summer 2018	January 1, 2018-August 14, 2018	$1,343

http://international.uky.edu/ISSS/Students/HealthCoverage

How do I apply for a health coverage waiver?

To apply for a health coverage waiver you must submit a waiver request here. If your waiver is approved for a qualifying alternate plan, UK will cancel that student’s eligibility for the SHP for one semester. Waivers must be completed each semester in order to cancel the SHP charge. Call Academic HealthPlans with any questions at 1-855-856-2385.
•Deadline for Fall Waiver Applications: September 22
•Deadline for Spring/Summer Waiver Applications: February 22

F-1 은 어쩔수 없이 학교보험을 가입 해야 합니다

F2와 J1 .J2 비자만 보험 가입이 가능합니다

Health Coverage Waiver Process

In rare circumstances, when a student already has qualifying health coverage provided by an employer, government sponsor or exchange agency, they are eligible to provide documentation of their alternate health insurance coverage by applying for a coverage waiver. When a waiver is approved for a qualifying alternate plan, UK will cancel that student’s eligibility for the SHP for one semester. Waivers must be completed each semester in order to cancel the SHP charge.

University of Kentucky 제휴 보험과 DB손해보험 비교

Insurance Provider

학교제휴보험

DB손해보험

Life Maximum

$500,000

Unlimited

benefits

$500,000

$50,000 per Sickness or Injury

OUT-OF-POCKET LIMIT AMOUNT

년간고객부담금

$5,000

고객 부담금없음

In‐Network

협력병원이용시

보험회사보상비율

80%

100% 보험 회사에서 보상

Out-of-Network

비협력병원이용시

보험회사보상비율

60%

100% 보험 회사에서 보상

Deductible

고객부담금

Network

Provider:$350

고객 부담금없음

Non-network

Provider:$500

Prescription Drug

약값 부담금

고객 부담금이

$15~$45 이 있고$1,000 per covered person

총 보상 한도내에서 보상

고객 부담금 없음

Premium

(Annual)

Student: $1,162

Spouse:$3.133

Child: $2,473

Student:약$580

Spouse:약$580

Child:약$480

보상하지 않는 손해

   1. 기왕증(보험가입 이전에 가지고 있던 질환이나 신체적 장애의 치료 및 검사를 목적으로 발생한 비용)
   2. 임신, 출산과 관련된 비용
   3. 단순 건강 검사를 목적으로 하는 비용(시력 검사 및 건강 검진)
   4 .예방접종비용 (학교 입학시 Immunization 포함)

5. 정신과 질환/행동장애

6. HIV(에이즈)

7. 비뇨기계장애(요로결석)

8. 비뇨기과 질환중N39 또는 요실금