求助：怎么能不买学校恶心的昂贵保险？

pippo1983UID: 172110

学校要2800刀一年。之前有个校外的保险，叫psi，可以取代学校的。但发信问了小米。说：

They do not cover suicide attempts which is why they are currently on hold.


学校来信说了5点校外保险要满足的最低要求：
Important: Alternative coverage must meet the following minimum standards:

• Alternate plans must be provided by a company licensed to do business in the United States, with a U.S. claims payment office and a U. S. Phone number

• Alternate plans do not exclude coverage for pre-existing conditions (or have been in effect long enough that any waiting period has passed)

• Alternate plans must provide coverage for both in-patient and out-patient medical care in the Philadelphia area, including specialist office visits and diagnostic testing. Emergency or Urgent only care is not sufficient

• Alternate plans must provide coverage for both in-patient and out-patient mental health care in the Philadelphia area . Emergency or Urgent only care is not sufficient

• Alternate plans must offer a lifetime maximum benefit of at least $500,000 in coverage

我把这些都发给了psi的经理，他的回复：


Thank you for sharing this with me. I suggest you ask Jessica and others at the SHS Insurance Office the following questions:

1) What are the exact insurance requirements of UPenn?

2) If they provide you the same 5 requirements, then why are holds being placed on PSI Student Plan III when it clearly meets the requirements as stated?

3) If there are additional requirements, then why are you not being informed of them?

4) What does hold mean? Does that mean coverage will be denied later? Will you not be able to register for classes?

You as a student have the right to know the school's requirements, and it is unfair to you if the school begins adding additional requirements without publishing them or informing international students and scholars. You should be afforded the option of alternative health insurance plans as opposed to purchasing the much more expensive PSIP.

Also, please be aware that the school does have a waiver deadline of August 31st, so if they are adding extra requirements they should provide ample time for you to do further research on possible alternatives.

Please let me know if you have any questions or concerns on any of this, and I look forward to your response.

有人有类似经验么？据说今年有中国学生买了psi，学校也通过了。。。不知道到底怎么回事。。。

alexanderheUID: 2491856

原来还有自杀保险的。。。。

nynyaaaUID: 204913

你们学校保险真贵，我们才1250一年，我读书时候就800一年

我觉得移民法没有规定F1学生要健康保险，没有细查，虽然这些保险是很必要的。

我们学校以前管的比较松
我室友那时候用旧的保险ID PS了一张传真给他们，过了。
我申请OPT时候他们也要问我要保险，我那时候还没公司的保险，就笑嘻嘻和他们说我会renew的，那个人也没管。

指向大海UID: 158737

不用转这么长的信和他争，人家不会看的

只要前面一两年人有买其他外面保险过关的，就也照办，大不了是先问一下out source insurance是否退款的方便。就是有先例，就偷偷办好。。。事后没谁揪你典型，揪了就说不知道。。。。写抗议信是最没用的。。。你想想小米要处理多少人的表格，赚那么点钱，也不容易，她也不主要负责，也就是个跑腿的。

话说这个2800是贵，如果学校要规定学生最低的，应该就是几百，我记得我没有工资后，都是一学期100多。。如果学校要给empolyee benefit,,,那才给到2800以上显示大方。。

还有我现在在的Illinois州也超变态，我opt，我职位明明有不错一笔benefit...伊州说我没有在美国呆满5个纳税年不算resident（要办健康保险就等明年1月1号），所有benefit无法享有。。。nnd 生个病都生不起了。

nynyaaaUID: 204913

我现在上班地方的保险是group plan估计就不算benefit了。你们那里有没有这样的。

yogurt4UID: 198389

我去年就没买，我填的中国平安保险的名字
我们学校你说你有保险，没人跟你仔细计较

jiang08UID: 2391146

我用了两年psi

DriverEntryUID: 143979

说下我学校的例子。以前也可以用校外的。后来改了政策，就不行了。
用校外的话，需要填个表格说明他们的服务和学校的一样，然后要学校审批。
改了政策后，校外的全部审批被剧，原因就是少了1，2项自杀怀孕啥的。
那么只好买校内的了。

foolboy007UID: 28322

2800的保险... 这coverage得多高啊
管牙病 视力么??

geozbUID: 2240890

2800刀一年，真贵。。。。。。。同情一下。
我们的是79一学年，貌似cover 20k。。。也不是很多，所以要防止大病，还得去外面AIA,这类机构订购符合自己要求的保险。

irvine666UID: 2575525

1200一年的飘过，而且明确规定国际学生不许到外面买保险...

pippo1983UID: 172110

2800的保险... 这coverage得多高啊
管牙病 视力么??
foolboy007 发表于 2010-8-5 10:59

好像写的最高20万。。。不包括牙，可以免费检查眼睛，还有免费妇女检查...

pippo1983UID: 172110

我买了psi。。。psi说学校不同意可以退款...先这么着吧

irvine666UID: 2575525

我记得有谁买过的F1保险包怀孕的...

nynyaaaUID: 204913

那男的怎么办也要包怀孕？