Ask Our Specialists

All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:我女兒於2025 5月在密西根大學畢業，預計6/16在原校就讀研究所，現在人仍待在美國。請問在6/16之前應該投什麼樣的醫療保險呢

A:
请问是何种签证？如果是持F1的国际学生可以考虑以下保险/international-students-exchange-visitors-opt-insurance/ 以上保险主要承保保险生效后新发生的意外受伤和新疾病，但不承保原有病症。 如果您对保险有任何疑问，请拨打866-226-9426.
https://jiabao.brokersnexus.com/daan/f1-qianzheng-baoxian/guoji-xuesheng-shuqi-baoxian-zixun-13613/

Q:請問因為年紀大，血壓血糖偏高這類的情況，是算原有疾病嗎？

A:
是的，任何保险生效前已经存在的疾病都属于原有疾病。原发高血压或糖尿病不太可能在保险生效后几天就形成或发生，即使此前没有诊断过也会被保险公司认为是原有疾病。 请参考阅读什么是原有疾病的网页/yuanyou-jibing-lvyou-yiliao-baoxian/
https://jiabao.brokersnexus.com/daan/guoji-lvyou-yiliao-baoxian/yuangyou-jibing-gaoxueya-tanniaobing-82136/

Q:我的父亲75岁，即将去美国旅游，预计不超过1个月。我可以给他买什么保险，需要体检证明么？

A:
如果被保人持B1/B2旅游签证赴美，可以购买包括Atlas America或Safe Travel USA Comprehensive在内的游客保险。申请此类保险不需要体检证明。被保人只要身体状况允许旅行且不寻求赴美就医即可购买。保险主要承保保险生效后新发生的意外医疗，例如包括COVID-19/新冠，流感、细菌性或病毒性肺炎、胃肠道感染、食物中毒和外伤。此类保险不承保慢性病、原有疾病的维持治疗、预防保健和常规体检。
https://jiabao.brokersnexus.com/daan/lvyou-jiankang-baoxian/75-yo-zuijia-quanmian-lvyou-baoxian-13951/

Q:请问J1和J2的ExchangeGuard Essential保险，在保险到期前多长时间可以继续续保，续保时长最长只能一年吗

A:
您好， 在保险到期前都可以续保。 可以保到2年。 谢谢， GF
https://jiabao.brokersnexus.com/daan/fangwen-xuezhe-yiliao-baoxian/whentoextendpolicy-15752/

Q:我就诊后没有 付任何的款，urgent care 没有让我付款，就诊费之类，是否也需要进行理赔的手续？没有拿药。

A:
建议您填写并递交保险理赔表格给保险公司，此类国际医疗保险可能要求您授权保险公司审核医生病例，该表格签字后有授权作用。您可以在我的账户里下载并发送给customercare@imglobal.com
https://jiabao.brokersnexus.com/daan/xin-yimin-yiliao-baoxian/lipei-biaoge-jiuyi-xiazai-87349/

Q:您好，我是F1身份，我女儿是F2身份，请推荐一款合适的医疗保险

A:
您好， 您可以从这里获取不同保障和价位的F1/F2保险/international-student-insurance-v1/ 建议您拨打866-226-9426，我们会根据您的实际需求和学校要求推荐保险。
https://jiabao.brokersnexus.com/daan/guoji-xuesheng-yiliao-baoxian/guoji-xuesheng-f1-f2-yiliao-baoxian-69651/
of 95

Can't find answers to your questions?

Ask our specialists - Licensed and experienced insurance professionals in the U.S.

Ask Our Specialists

DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

??ourInfo.wechat.officailAccount_en??

??ourInfo.wechat.scanFollowQr_en??

??ourInfo.wechat.scanMe_en??

This website uses cookies, some of which are essential for the functionality of the website while others are for improving user experience and personalization. By continuing to browse this website, you agree to our use of cookies. For information about your privacy, please read our Privacy Policy and Terms of Use.