(推荐)Washington State University J1/J2访问学者及家属医疗保险

学校要求J-1访问学者的保险满足以下要求：

J-1 health insurance must provide the following minimum coverage:
1. Medical benefits of at least $100,000 (US$) per accident or illness;
2. Repatriation of remains in the amount of $25,000 (US$);
3. Expenses associated with the medical evacuation of the exchange visitor (or accompanying spouse or dependent children) to his or her home country in the amount of $50,000 (US$);
4. A deductible not to exceed $500 per accident or illness.
5. May require a waiting period for pre-existing conditions, which is reasonable as determined by current industry standards;
6. May include a provision for co-insurance under the terms which the exchange visitor may be required to pay up to 25% of the covered benefits per accident or illness;
7. Shall not unreasonably exclude coverage for perils inherent to the activities of the exchange program in which the exchange visitor participates.
8.Under written by an insurance corporation having an A.M. Best rating of “A-“or above, an Insurance Solvency International, Ltd. (ISI) rating of “A-I”' or above, a Standard & Poor’s Claims-paying Ability rating of “A-“or above, a Weiss Research, Inc. 

A J-2 accompanying spouse or dependent of a J-1 is required to be covered by insurance in the same amounts.

J-1/J-2访问学者如何购买校外保险？
CSSA推荐J-1和J2选择PEP计划，选择不低于$100,000保额方案，就能够满足美国国务院的最低要求。B类探亲签证不需要按照以上要求选择保险，推荐选择ATA计划$50,000保额。

ATA计划的特别优惠：当未满10周岁儿童和家长一起投保时，儿童将免费投保，非常适合带低龄儿童来美的访问学者。投保人数达到5名即可加入ATA团体计划，保费优惠10%。另外，ATA计划可按天数随意选择投保时间，不需按月投保或续保，对于学者和家属的时间选择更加灵活。

ATA计划保费报价（$50,000保额，500 deductible方案）选择更低的deductible，保费会有所增加
年龄(周岁) 个人保费(月) 团体保费(月)
18-29 $36.6 $32.94
30-39 $49.5 $44.55
40-49 $73.8 $66.42
ATA详细福利 http://www.dianins.com/plan/AtlasAmerica.asp
ATA个人投保 http://www.dianins.com/plan/studen6.asp
ATA团体投保 https://quote.hccmis.com/group/?referid=22024167&language=en-US

PEP计划达到2名成人即可加入PEP团体计划，保费优惠10%。

PEP计划保费报价（$100,000保额，100 deductible方案）
年龄(周岁) 个人保费(月) 团体保费(月)
31天-24 $56.45 $50.8
25 - 49 $73.5 $66.15
PEP详细福利 http://www.dianins.com/plan/patriotEP.asp
PEP个人投保 http://www.dianins.com/plan/studen3.asp
PEP团体投保 http://www.dianins.com/plan/studen31.asp

J1注意事项：
J1学者可按照自己DS2019表上的时间投保，投保后，你会通过Email收到Visa Letter(保险证明)文件，需要将Visa Letter交给学校，不需要申请Online waiver。

以上保险建议均由DIANINS国际医疗保险提供，DIANINS目前为近50所CSSA中国学生学者联谊会提供留学生访问学者保险计划，在申请waiver如果需要帮助或想了解更多保险计划，可以向DIANINS中文客服咨询（Web：www.dianins.com Email：dian@dianins.com）