مقارنة التأمين 2026
تأمين صحة الطلاب من ISOمقابلبرنامج IMG Patriot Exchange
مقارنة مستقلة تشمل المزايا والتكاليف وتفاصيل التغطية.
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مقارنة الخطط المميزة: تأمين صحة الطلاب من ISO ISO Gold الخطة الذهبية. يقدم كل مزود عدة مستويات.
| الميزة | الأرخص سعراًتأمين صحة الطلاب من ISOعرض التفاصيل | برنامج IMG Patriot Exchange — تأمين صحة الطلابعرض التفاصيل |
|---|---|---|
$49 | from $56 | |
USD | USD | |
$50,000, $100,000, $250,000, $500,000, or $5,000,000 (your choice) | ||
$500 in-network; $750 out-of-network | $0, $100, $250, or $500 per illness/injury | |
Up to $250,000 per period; 90-day max per retail prescription | ||
Up to $60,000 | Up to policy maximum for evacuation; $25,000 for return of remains | |
Inpatient up to $10,000; outpatient $50/day, $500 max | ||
Up to $350 for unexpected pain to natural teeth; up to $500 from accident | ||
up to 64 years | ||
الطلاب الدوليون بدوام كامل الحاملون لتأشيرات F-1 أو J-1 أو M-1 أو حالة OPT في الولايات المتحدة | حاملو تأشيرات F-1 و F-2 و J-1 و J-2 و M-1 و M-2 و A-1 أو A-2 الذين تتراوح أعمارهم بين 31 يوماً و 64 سنة ويدرسون أو يزورون خارج بلدهم الأصلي | |
مغطى بعد 12 شهراً من التغطية المستمرة — حتى $500/فترة، حد أقصى $1,500 مدى الحياة | ||
| زيارةتأمين صحة الطلاب من ISO → | زيارةبرنامج IMG Patriot Exchange — تأمين صحة الطلاب → |
برنامج IMG Patriot Exchange — تأمين صحة الطلابعرض التفاصيل
$49
from $56
USD
USD
$50,000, $100,000, $250,000, $500,000, or $5,000,000 (your choice)
$500 in-network; $750 out-of-network
$0, $100, $250, or $500 per illness/injury
Up to $250,000 per period; 90-day max per retail prescription
Up to $60,000
Up to policy maximum for evacuation; $25,000 for return of remains
Inpatient up to $10,000; outpatient $50/day, $500 max
Up to $350 for unexpected pain to natural teeth; up to $500 from accident
up to 64 years
الطلاب الدوليون بدوام كامل الحاملون لتأشيرات F-1 أو J-1 أو M-1 أو حالة OPT في الولايات المتحدة
حاملو تأشيرات F-1 و F-2 و J-1 و J-2 و M-1 و M-2 و A-1 أو A-2 الذين تتراوح أعمارهم بين 31 يوماً و 64 سنة ويدرسون أو يزورون خارج بلدهم الأصلي
مغطى بعد 12 شهراً من التغطية المستمرة — حتى $500/فترة، حد أقصى $1,500 مدى الحياة
الأسئلة الشائعة
الأسئلة الشائعة
ISO plans are accepted by over 3,200 U.S. universities for the insurance waiver. Always check your specific school's waiver criteria — Platinum and Gold meet most requirements (unlimited annual max), while Silver may not satisfy schools requiring no per-condition cap.
Silver ($31/month) is the cheapest with a $400,000 annual cap and $150,000 per condition. Gold ($49) has unlimited annual maximum and $300,000 per condition. Platinum ($85) is the most comprehensive with unlimited annual max, $500,000 per condition, lower deductible ($250), and unlimited evacuation/repatriation.
Yes, all ISO plans use the Aetna Passport PPO network. This means you can visit Aetna network doctors and hospitals across the U.S. with direct billing — no upfront payment required for covered services.
All three ISO plans cover pre-existing conditions after 6 months of continuous coverage. This is more generous than many competitors that require 12 months — useful if you have ongoing health needs.
Both. The plan was designed primarily for J-1 exchange visitors but is also widely used by F-1 students. F-1 students are not legally required to carry insurance under U.S. immigration rules — but most universities require it. Check with your school whether Patriot Exchange meets their waiver criteria.
For most full-time graduate students staying 6–12 months, $250,000–$500,000 is the best balance of cost and protection. Short-term programs may use $100,000. The $5,000,000 tier offers maximum peace of mind for high-risk activities or universities with strict requirements. Note: U.S. healthcare is expensive — going below $250,000 is risky for serious accidents.
When you visit a UnitedHealthcare Options PPO doctor or hospital, IMG often handles direct billing — you pay only your copay/deductible at the desk. Outside the network, you pay upfront and submit claims. The network covers most major U.S. cities and universities.
Yes. F-2 and J-2 dependents can be added to the policy. Importantly, F-2 or J-2 dependents can also buy their own Patriot Exchange policy independently — even if the F-1 or J-1 main visa holder is on a different plan.
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