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所有问题均由美国持照且经验丰富的保险专业人员回答。

问:Dear,I am a 35-year-old mother with Chinese citizenship, will take my 9-year-old son with US citizenship, traveling to US-Los Angelas for a 1-month-long trip starting 2024/7/12. Hope to purchase a fitting travel insurance to cover out medical needs during the time. Could you plz suggestion a package? thanks.

答:
您可以考虑Patriot America Plus,该保险可以承保非美国居民/美国公民短期来美国旅行,保险主要承保保险生效后新发生的意外生病和受伤,包括新冠肺炎。但不承保原有疾病、预防保健、体检。请浏览保险合同中的相关福利及免责条款。 美国公民需要作为主投保人单独申请此保险。 You can consider Patriot America Plus which will cover non-US residents/US citizens traveling to the US temporarily. Visitors insurance primarily designed to cover new medical conditions, and injuries/ accidents that did not exist before the effective date of the policy. The plans will not cover any expected treatment, preventative care, routine check-ups, or pre-existing conditions. Please review the plan benefits and exclusions in Certificate Wording. U.S. citizens need to apply separately for this insurance as the primary policyholder.
{{currentOrigin}}/daan/guoji-lvyou-yiliao-baoxian/meiguo-gongmin-zhongguo-jumin-duanqi-meiguo-lvyou-59456/

问:我父母绿卡申请本月获得批准,他们83岁和78岁,目前身体健康。他们去年3月份入境美国,没有离开,购买Safe Travels Elite - Diamond的计划。请问接下来他们可以购买何种保险?谢谢您的答复!

答:
目前我们不提供马里兰州的居民险,建议从政府部门网站或当地代理商购买。Safe Travels Elite不适用绿卡持有人,您可以通过我的账户取消此保险。
{{currentOrigin}}/daan/xin-yimin-yiliao-baoxian/lvka-pizhun-lvyou-baoxian-malilan-89402/

问:您好,我父亲准备从北京来美国看病,请问有可行的医疗或健康保险可以购买吗?谢谢。

答:
您好, 旅游保险(Visitors Insurance)主要承保保险生效后意外新发生的疾病和受伤,但不承保已知或预期中的治疗、原有疾病、慢性病维持治疗、预防保健和体检。如果是以就医为目的来美国则无法承保。
{{currentOrigin}}/daan/guoji-lvxing-baoxian/fumei-jiuyi-lvyou-baoxian-zixun-69135/

问:你好,我目前持B签在美国旅游,想购买医疗保险,请问该购买哪一种保险。谢谢。

答:
您可以从这里查询可用保险报价,此类保险主要承保保险生效后新发生的意外疾病和受伤,不承保原有疾病(保险生效前已经存在,无论是否已知)、慢性病、预防保健和体检。 如果您有任何问题,欢迎致电866-226-9426。
{{currentOrigin}}/daan/tanqin-jiankang-baoxian/bvisa-meiguo-lvyou-baoxian-goumai-zixun-16413/

问:我们已经提交I485, 已经收到收据, 但还没有获得AP卡和工卡, 请问现在要购买什么保险呢?

答:
请问您现在是否仍保持F学生身份呢?ExchangeGuard要求必须保持有效的学生身份。 如果转换身份期间无法保持学生身份,可以考虑我们的新移民短期保险。 如果需要推荐保险,欢迎您致电866-226-9426
{{currentOrigin}}/daan/xin-yimin-jiankang-baoxian/i485-ap-ead-zhiqian-goumai-baoxian-wenti-46191/

问:Dear Insubuy,I hope this letter finds you well. I am writing to inquire about the coverage provided under my wife's J2 visa insurance policy regarding maternity expenses. My wife, Fnu Hadan, is currently pregnant, and as her husband and the primary policyholder, I am seeking clarification on the extent of coverage available for prenatal care, delivery, and postnatal care.Below are the relevant details regarding the insurance policy: Policyholder Name: Bo Tu Policy Number: 140026194 Insured Person: Fnu Hadan Policy Number: 140026195 Visa Type: J2 VisaGiven the unique circumstances of our situation, I would appreciate it if you could provide detailed information regarding the following: Does the insurance policy cover maternity expenses, including prenatal care, delivery, and postnatal care? Are there any specific limitations or exclusions related to maternity coverage under the J2 visa insurance policy? What is the process for submitting claims related to maternity care, and are there any required documents or procedures we need to follow? Are there any in-network healthcare providers or hospitals that specialize in maternity care covered by the insurance policy?Furthermore, if the policy does not currently provide coverage for maternity expenses, I would like to explore the possibility of adding supplemental coverage or upgrading the policy to ensure comprehensive coverage for my wife's pregnancy.Please provide a detailed response to my inquiry at your earliest convenience. If additional information or documentation is required, please do not hesitate to contact me.Thank you for your attention to this matter. I look forward to your prompt response and assistance in navigating this important aspect of our insurance coverage.Sincerely,Bo Tu

答:
Thank you for contacting Insubuy. The current policy 140026194 which is ExchangeGuard does not provide maternity coverage except for emergency treatment of complications of pregnancy during the first 26 weeks of Pregnancy. Unfortunately, there is no J visa insurance offering on our website that can cover maternity if the insured person is already pregnant. Some plans such as Study USA Platinum can cover new pregnancy/conception after the effective date if J1 and J2 enroll together.
{{currentOrigin}}/daan/fangwen-xuezhe-yiliao-baoxian/jvisa-huaiyun-baozhang-baoxian-zixun-84902/

免责声明: 我们的问答部分提供的信息是通用的,并且在回答的那个时刻被认为是准确的。请以答案为指导,不要根据答案做决定。所提供的答案可能已过时,或所提供的详细信息而完全不准确,或不相关,例如保险条款和条件、保险计划福利、资格和承保范围可能已改变。Insubuy不承担您依赖于这些答案所产生的责任。您应该参考您正在考虑购买的保险产品的(可在本网站获得)最新保险合同,以获得最新和完整的详细信息。如果此处提供的答案与保险合同措辞有冲突,将以保险合同的细节为准。

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