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 $31–85
~¥236/月 ✓ 符合签证要求
up to 64 年龄限制
最后更新: April 27, 2026
保障对比
比较计划保障
逐项查看各计划的保障内容。
| 功能 | ISO Silver | ISO Gold | Most Popular ISO Platinum |
|---|---|---|---|
| 基本保障 | |||
| 门诊治疗 | 不涵盖 | 不涵盖 | 不涵盖 |
| 住院治疗 | 不涵盖 | 不涵盖 | 不涵盖 |
| 药品 | 不涵盖 | 不涵盖 | 不涵盖 |
| 免赔额/自付 | $45 per event at Student Health Center; $100 elsewhere | $500 in-network; $750 out-of-network | $250 in-network; $400 out-of-network |
| 牙科与视力 | |||
| 牙科护理 | 不涵盖 | 不涵盖 | 不涵盖 |
| 牙科预算 | 不涵盖 | 不涵盖 | 不涵盖 |
| 视力 | 不涵盖 | 不涵盖 | 不涵盖 |
| 附加保障 | |||
| 心理健康 | 不涵盖 | 不涵盖 | 不涵盖 |
| 孕产保障 | 不涵盖 | 不涵盖 | 不涵盖 |
| 远程医疗 | | | |
| 遣返 | Up to $50,000 | Up to $60,000 | Unlimited |
| 符合签证要求 | | | |
| 申请 ISO Silver → | 申请 ISO Gold → | 申请 ISO Platinum → | |
ISO Silver
ISO Gold
ISO Platinum Most Popular
基本保障
门诊治疗
不涵盖
不涵盖
不涵盖
住院治疗
不涵盖
不涵盖
不涵盖
药品
不涵盖
不涵盖
不涵盖
免赔额/自付
$45 per event at Student Health Center; $100 elsewhere
$500 in-network; $750 out-of-network
$250 in-network; $400 out-of-network
牙科与视力
牙科护理
不涵盖
不涵盖
不涵盖
牙科预算
不涵盖
不涵盖
不涵盖
视力
不涵盖
不涵盖
不涵盖
附加保障
心理健康
不涵盖
不涵盖
不涵盖
孕产保障
不涵盖
不涵盖
不涵盖
远程医疗
遣返
Up to $50,000
Up to $60,000
Unlimited
符合签证要求
保障内容
保障与福利详情。
已涵盖
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
Specialised broker focused only on international students — strong waiver support
不涵盖
Silver tier has a fixed $400,000 cap — may not meet some universities' minimum
Most ISO plans are not fully ACA-compliant (only hybrid plans for some states)
Higher emergency room copay on Silver ($350) vs Gold/Platinum
No dental or optical extras included on any tier
价格
按年龄定价
按年龄段的月净保费，无隐藏费用。
年龄段 月保费
满足保险义务
常见问题
关于 ISO Student Health Insurance 的常见问题
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.
准备好投保了吗？
立即申请 ISO Student Health Insurance，几分钟内获得保障。