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如果您居住在纽约并且年满 21 岁, 
您可能有资格获得$0健康保险!

了解我们的保险计划

United Healthcare 优选医疗网络

​​​Waive失败可全额退款

根据我们的调查,以上产品满足您的学校保险替换要求。但请注意,学校保险替换政策可能随时会发生变化,并且每年可能有所不同。如果无法成功替换学校保险,将在 5-7 个工作日内收到全额退款。

保险术语表

The deductible is a fixed amount that an insurance company does not pay out during a policy year.

Deductible
The deductible is a fixed amount that an insurance company does not pay out during a policy year.

The maximum benefit is the maximum amount the insurance company will pay out during the term of the policy.

Maximum Benefits
The maximum benefit is the maximum amount the insurance company will pay out during the term of the policy.

Copay is a fixed fee, which refers to a fixed fee that needs to be paid on the spot every time you see a doctor or buy prescription drugs.

Coinsurance
The percentage of costs covered by your insurance company. The higher the coinsurance, the better the coverage.

Preferred Provider Organization. A type of health plan that contracts with medical providers. You'd pay less using in-network providers.

Preferred Provider Organization PPO
Preferred Provider Organization. A type of health plan that contracts with medical providers. You'd pay less using in-network providers

The percentage of costs covered by your insurance company.

The higher the coinsurance, the better the coverage.

Copay
Copay is a fixed fee, which refers to a fixed fee that needs to be paid on the spot every time you see a doctor or buy prescription drugs.

In network refers to providers or health care facilities that are part of a health plan's network  with which it has negotiated a discount.

In-network
In network refers to providers or health care facilities that are part of a health plan's network  with which it has negotiated a discount.

常见问题

保障须知

  • 作为独家会员,您可享受美国境内UnitedHealthcare Global网络内的保障

  • 全球覆盖(不包括原籍国)

  • 您可以拜访美国以外的医疗提供者。联系我们,我们将帮助您以最公平的价格找到最好的医生

  • 保险计划由H&W Indemnity (SPC), Ltd. 代表UnitedHealth Group Company旗下Student Resources SP提供

  • 多语种客服

  • 申请时无需体检,无需提供报告

  • 即时保险证明

  • 包括 COVID-19 在内的免疫接种和其他疫苗

  • 涵盖学生原有疾病

  • 医疗后送和遣返

  • 包括处方药和避孕药

  • 保障福利按每人、每个保单期显示

  • 某些保障有最高限额

  • 某些保障需要预先授权,请参考我们的条款和条件

有疑问或需要帮助?

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