Studying in the United States: medical knowledge

Nowadays, more and more people go abroad to study. Studying in America is the wish of many students. The United States is not only the most developed country in the world, but also the primary destination for China students to study abroad in terms of welfare system, education system, living standard and living environment. It must be said that American universities have obvious advantages over China in terms of educational resources. Here is some information about studying in America.

Studying abroad, it is normal to have a headache, fever and illness. At this time, medical insurance has become a very important preparation. Without medical insurance, your life in America will be difficult. You think you can use other people's medical insurance if something goes wrong, then you are wrong. In fact, fraudulent use of medical insurance is a very dangerous thing. It is not only unsafe to catch handsome guys, but also illegal.

It costs hundreds of dollars to take an X-ray. Therefore, medical insurance is the most important thing to study in the United States. No one can guarantee that he is not ill, but once he sees illness, he must not go back to before liberation. All right, all right, cut the crap. The following is a little popular science about medical insurance for studying abroad in the United States:

Do you know how to buy medical insurance for studying abroad in the United States? What kind of medical insurance do international students need to buy? What is the quota?

For international students studying in the United States, medical insurance is necessary, and the cost basically ranges from $400 a semester to $800 a year. If you refuse to buy, you will not be able to register normally. It is worth mentioning that the medical insurance that students bought in China before going abroad cannot pay for medical expenses in the United States.

Many students said that I bought life insurance in China, but life insurance was paid only after the death of the insured. If you get sick or have an accident in the United States, only medical insurance purchased in the United States can compensate. Before you know how to buy medical insurance for studying abroad in the United States, you should be familiar with the types of insurance for studying abroad in the United States.

Daily health insurance for studying abroad in the United States

The medical expenses in the United States are among the highest in the world, and the simplest emergency expenses can reach hundreds of dollars. However, the American government stipulates that everyone must bear his own medical expenses. In this case, a serious illness can make international students fall into financial difficulties and even stop studying abroad. Even if international students have not suffered from major diseases, repeated minor illnesses can easily cause financial pressure on students.

In terms of daily medical care, the security system of American schools can really play a basic role, and students can cope even without any insurance. For example, American schools have medical and safety centers on campus to diagnose and care for some daily diseases such as colds and sports injuries.

At the beginning of admission, the school will also teach students some basic health care knowledge, including healthy eating, keeping exercise and living rules. In addition, American colleges and universities also provide medical consultation and recommendation services for international students to help students solve medical problems better and faster.

Fundamentally speaking, medical insurance is to concentrate the premiums of most people to help a few people pay for medical expenses. Since1March 1993, the U.S. government has stipulated that all J- 1 visa holders must purchase medical insurance during their stay in the United States, and has stipulated the basic requirements of the insurance coverage. The U.S. government will repatriate those who refuse to purchase medical insurance.

Although this rule has not affected international students holding F- 1 visas, according to the US Immigration Service? Non-immigrants should not be a burden to the American people, or they will be deported? According to the new regulations, American universities require international students to buy medical insurance during their study abroad, so as to ensure that students can bear their own medical expenses in case of major diseases and will not become a burden to the American public.

Date of insurance, whether to take insurance during holidays, because we know that holidays are also the concentrated time for students to travel, and many students will also engage in high-risk sports such as skiing. If you are injured during this period, you must have medical insurance protection.

The amount of premium is the most important part of insurance. It can be said that there is no upper limit for medical expenses in the United States. Of course, we don't need to think too much about important accidents, as long as the insurance needs to cover common diseases, such as colds and colds. From this perspective, medical insurance in schools should be considered comprehensively.

Most hospitals or clinics covered by insurance have their own clinics, and medical services received by students in school clinics can generally be fully reimbursed from insurance. However, due to the limited clinic service items and time of the school, such as holidays, or only treating some simple diseases, the sick students have to go to the off-campus hospital, but the cost is often expensive, and the medical insurance purchased by the school may not be fully covered.

How to buy medical insurance for studying in the United States;

Studying in the United States, international students can find insurance companies through social channels, or participate in medical insurance programs provided by the school when purchasing medical insurance. The group insurance provided by the school is more secure and the premium is lower than social insurance. At the same time, students can also enjoy the business that the school is responsible for handling claims. On the other hand, the insurance purchased by individuals can better adapt to the buyer's own situation than the group insurance of the school. For people with special needs, you can consider buying insurance yourself.

The above is to popularize some basic knowledge of studying abroad insurance for everyone. Let's give you some. Real bullets? .

Insurance terminology

It should be noted that whether you buy insurance through schools or employers or directly through insurance companies, you must find out the details of the insurance you buy. Here are some common insurance terms:

Premium: refers to the monthly fee paid to the insurance company (similar to auto insurance). Usually, the higher the premium, the more comprehensive the protection, and the better your protection.

Copayment: Also called copayment, it is a fixed fee that needs to be paid every time you go to see a doctor and buy prescription drugs. Suppose your co-payment is $20, which covers prescription drugs, so you need to pay $20 for medical treatment, and the price of prescription drugs prescribed by doctors is $50, and you only need to pay $20. According to different types of insurance, the co-payment amount is also different.

Deductible: refers to the amount you need to pay before the insurance company pays for you. For example, your deductible is $2,500. Because the bill for acute hospitalization is $65,438+$00,000, you need to pay $2,500 in advance, and the remaining $7,500 will be paid by the insurance company for you (excluding co-insurance). If it's normal,

Co-insurance: Some insurance companies will continue to pay a certain percentage of the expenses after you pay the deductible. Use the above example. For example, your co-insurance is 20%, and then the hospitalization expenses are 65,438+00,000 dollars, and the deductible is 2,500 dollars. You need to pay 2,500 dollars first, and then the remaining 7,000 dollars.

Annual out-of-pocket limit: refers to the highest insurance premium you pay each year, including deductible and coinsurance. If the annual out-of-pocket limit is $3,000, then using the above example, you only need to pay the deductible of $2,500 and the co-insurance of $65,438+$0.500, of which $500 will reach $3,000 and the rest $7,000 will be paid by the insurance company.

Some tips:

If you are healthy and seldom go to the hospital, you can buy insurance with high deductible and low premium, which can save your monthly expenses and you don't have to worry that you can't afford high medical expenses once you are seriously ill.

If you are a little weak on weekdays, occasionally feel cold or often have minor illnesses, you need to see a doctor often to understand your health. It is recommended to choose a lower premium and copayment (the corresponding premium will be higher).

No matter what kind of health condition, it is recommended to choose a lower co-insurance (recommended 20%), otherwise once you suffer from a serious illness, you still have to bear a considerable part of medical expenses, which is likely to remain unaffordable.

What I bring to you today is the related content of medical insurance for studying abroad in the United States. Do you feel very beneficial? As an international student, medical insurance can often save your life if anything happens!

Related reading: