美国的学生医疗保险制度

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学生医疗保险的重要性

　　　　对国际学生而言，学生医疗保险是强制性的，没有这项保险，不能注册入学。因为美国的医疗诊治费用非常昂贵，个人难以负担，所以没有保险也不容易被医院或诊所接受。
　　　　国内的保险在美国没有用
　　　　国内的医疗保险不适用于美国。因为国内的保险单位不会受理美国医院或诊所的理赔请款。而且国内或其他地区购买的医疗保险在美国也无效。 因为医疗体系制度的不同，医院诊所无法与承保机构确认所购保险的适用性及理赔范围等事项，因此美国无法接受此类保险。
　　　　人寿险及旅游平安险不能代替医疗险
　　　　人寿险仅在死亡时补偿，旅游平安险也是在意外发生造成伤残时的补偿或补助，不能代替医疗保险。平日的病痛丶伤亡时的紧急运送就有赖医疗意外险的照顾了。
　　　　美国学校提供学生购买的保险有许多限制
　　　　当学生没有自备的保险时，美国的学校也提供学生医疗及意外保险让外国学生购买。有的学校在注册缴费单内列入保险费，学生在不知情下已购妥保险。有的学校在了解学生没有保险时，提出保险要学生购买。其实学生可以自己选择保费低廉丶保障好的医疗及意外保险。只要你提出已购买保险的证明，一般学校都会接受。
　　　　一般来说，学校提供的保险都提供相当的保险项目，保费也比市场价格为低，但有相当医疗上的限制以及一定程度的不便。为了自身的保障，学生应该充分了解学校保险的限制丶弹性丶以及保费与保障福利的平衡，并与其他保险比较。下面数点可作比较时的参考：
　　　　学期间放假的空档，学校保险是否涵盖，学生于该阶段是否需另行购买保险或毫无保障。
　　　　学校放假时，学校医务中心是否休诊，学生向外求诊时，费用负担一般较高。
　　　　学校保险是否能转校或跨州使用
　　　　学校保险是否能提早终止等。
　　　　保险必需挑选
　　　　学生购买保险时应该精挑细选，多加比较，除了要考量保费高低外，还需要注意其保险额度丶保障内容丶诊疗限制丶费用分担丶排除条款等项目。
　　　　一般保险都有扣抵额及自付额，多加了解及比较才能购得保费低廉丶保障优渥的医疗及意外保险。


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