美国 学生健康保险
F-1 美国学生健康保险 — 计划对比
为持 F-1 签证的国际学生提供健康保险。对比 ISO、PSI、IMG、Compass — 多数被大学接受为豁免计划。
Compass Student Insurance
Compass Student Insurance
Waiver-ready, ACA-comparable plans on UnitedHealthcare PPO — three tiers for F-1, J-1, M-1 students with money-back guarantee if school rejects
起 $34
- Daily billing — pay only for days you need (not forced into monthly billing)
- ACA-comparable Benchmark tier — accepted at universities requiring ACA-style coverage
- Money-back guarantee if your school rejects the plan (and no claims yet)
- UnitedHealthcare PPO network with direct billing across the U.S.
IMG Patriot Exchange Program
International Medical Group (IMG)
J-1 visa compliant student health insurance with UnitedHealthcare PPO and customisable coverage from $50K to $5M
- Highly customisable — choose your medical max ($50K to $5M) and deductible ($0 to $500)
- $5 student health center copay — affordable on-campus care
- Designed to meet U.S. Department of State J-1 visa requirements
- UnitedHealthcare Options PPO network for direct billing across the U.S.
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ISO Student Health Insurance
ISO Student Health Insurance
Three plan tiers (Silver, Gold, Platinum) accepted by 3,200+ U.S. universities — F-1 visa compliant from $31/month
起 $31
- Cheapest entry tier ($31/month for Silver) accepted by most U.S. schools
- Three clear tiers — match plan to your school's waiver requirements
- Aetna PPO network — direct billing at most major U.S. doctors and hospitals
- Pre-existing conditions covered after 6 months on all tiers
WorldTrips StudentSecure
WorldTrips (Tokio Marine HCC)
Four-tier student plan from Tokio Marine HCC — $0 deductible across all tiers, J-1 visa compliant from $32/month
起 $32
- $0 deductible across all four tiers — rare in the U.S. student market
- Backed by Tokio Marine HCC, one of the largest specialty insurers globally
- Smart tier starts at $32/month — among the cheapest J-1-compliant plans
- Elite tier offers $5M maximum and full benefits including mental health, dental, prescriptions
常见问题
常见问题
大多数美国大学要求 F-1 学生持有满足特定最低要求的健康保险。部分学校会自动为学生注册学校计划，但国际学生计划（ISO、PSI、IMG、Compass）通常可申请豁免（waiver）且费用更低。
F-1 学生健康保险每月费用为 30–200 美元，具体取决于计划和自付额。学校计划通常每年 1,500–3,500 美元；私人计划通常每年 400–1,500 美元。
许多美国大学允许 F-1 学生在拥有同等保障的情况下申请豁免学校保险。每所大学有自己的豁免标准 — 请查阅学校网站了解所需的最低要求（医疗最高保额、自付额、遣返等）。
既往疾病的保障情况各不相同。部分 F-1 计划将其除外，部分在等待期后承保（通常 6–12 个月）。如有相关情况请仔细阅读保单条款。
PPO 计划允许就诊任何医生；HMO 计划要求选择网络内的服务提供方。大多数国际学生计划采用 PPO 网络，灵活性更高。
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