Student health insurance

Health insurance requirements

To meet Cornell University's criteria, your health insurance plan must:

1. Be provided by a company licensed to do business in the United States, with a U.S. claim payment office and U.S. phone number.
2. Provide coverage in the Ithaca area for outpatient and inpatient medical care (coverage for emergency care does NOT meet this requirement).
3. Provide coverage for outpatient and inpatient mental health care.
4. Have a maximum health benefit of at least U.S. $500,000/year.
5. Remain in force as long as you are participating in a summer program.
6. Provide coverage for pre-existing conditions.

Cornell University 제휴 보험과 저희 보험을 비교해 놓은 표입니다

Insurance  Provider	학교보험제휴	DB손해보험
Lifetime Maximum	$1,000,000	Unlimited
Benefit	$1,000,000	$50,000 per Sickness or Injury
Copay/Deductible   고객부담금	$50  ~  $200	$0
협력병원이용시/보험회사부담비율	(In Area)          : 100%	100%
비협력병원/보험회사부담비율	(Out-of Area)   : 80%	100%
타주지역 보험회사 부담비율	Non-Preferred Care : 50%~70%
Out-of-Pocket    년간 고객 부담금	Student : $1,500	년간고객부담금없음
	Family :$3,000
Prescription Drug   (약값고객부담금)	$12~$27 copay 고객부담금이 있고 30일간만보상 $4,000 maximum per policy year	보상한도에 포함 고객부담 없음
Premium (Annual)	Student: $1,716 Spouse :$3,704 Children:$2,357	Student:가입불가   Spouse: 약$480  C hildren:약$480

보상하지 않는 손해

  1. 기왕증(보험가입 이전에 가지고 있던 질환이나 신체적 장애의 치료 및 검사를 목적으로 발생한 비용) 
   2. 임신, 출산과 관련된 비용
   3. 단순 건강 검사를 목적으로 하는 비용(시력 검사 및 건강 검진) 
   4 .예방접종비용 (학교 입학시 Immunization 포함) 

5. 정신과 질환/행동장애

6. HIV(에이즈)

7. 비뇨기계장애(요로결석)

8. 비뇨기과 질환중N39 또는 요실금