ボストンでの医療保険(日本の保険証は残す?海外の保険はどこが良いのか?)

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本日は医療保険の手続きに来ました。色々なプランがあってどれが良いのか正直迷いますが、ボストンにいる知り合いに聞いたところ「AIUの駐在員保険」が良いとのことで早速調べました。

AIU海外駐在員保険

たしかに調べてみると問題なさそうです。
気をつけないといけないのは、

1.歯科はカバーしない
2.妊娠はカバーしない

ことです。また大学によって医療保険は一定の項目を満たしていないと雇用が認められないので要注意です。
ハーバード大学の医療保険の規定は以下
(長いですが、きちんと読んで満たしていないと仕事が出来ません)

ハーバード大学医療保険規定
J Visa Regulations Regarding Health Insurance Requirements

U.S. Government regulations require J-1 scholars and J-2 dependents to have health insurance. As of May 15, 2015, the J-1 regulations require the following with respect to health insurance coverage:

Medical benefits of at least $100,000 per accident or illness
Payment for repatriation (preparation and transportation of remains to home country) in case of death in the amount of $25,000
Payment for medical evacuation (transportation to home country on advice of attending physician) in the amount of $50,000
A deductible not to exceed $500 per accident or illness
Coverage of pre-existing conditions after a reasonable waiting period
Payment by the insurance company of at least 75% of the costs of medical care (the patient must not be required to pay more than 25% of medical care costs)
To comply with these regulations, health insurance policies must be underwritten by corporations having one of the following:

A.M. Best rating of A- or above
McGraw Hill Financial/Standard & Poor’s Claims- paying Ability rating of ‘A- or above
Weiss Research, Inc. rating of ‘‘B+’’ or above
Fitch Ratings, Inc. rating of ‘‘A-’’ or above
Moody’s Investor Services rating of ‘‘A3’’ or above.
Insurance backed by the full faith and credit of the exchange visitor's (J-1 scholars) government will meet this requirement. The regulations state that any exchange visitor (or accompanying dependent) who fails to maintain health insurance coverage as detailed above or who misrepresents such coverage will be in violation of U.S. Government regulations and shall be subject to termination as an exchange visitor.

Harvard's health insurance plans meet the requirements of the J visa except for the repatriation and evacuation requirements. The University has agreed to cover the costs of medical evacuation and repatriation for J visa holders on Harvard's Exchange Visitor Program. The HIO has information on stand-alone repatriation and medical evacuation plans for those not on Harvard's J visa program. The ISHIP Plan also meets the J visa regulations.

- See more at: http://www.hio.harvard.edu/j-visa-regulations-regarding-health-insurance-requirements#sthash.lTlZoT3h.dpuf


まあ色々書いていますが、知り合いはAIUの駐在員保険で問題なく雇用されたとのことでしたので、私もAIU保険契約しました。他の保険が安いからといって契約して、実際は使えない、雇用先の保険のrequirementを満たさない等になると大変困ります。たいがいの保険は渡米する前でないと契約できないからです。もちろん米国でも保険はありますが、日本の保険に比べるとべらぼうに高い!(しかも英語なのできちんと条件を理解できるかどうか。保険というのは契約内容を理解しておかないと全く意味がないので。)

AIUは25万/年くらいですが、米国で入るパートナーズ(ボストン、ハーバードのみ?)保険は60-80万円/年(1人、家族も入れると100万円/年)と噂ですから。。

また日本の保険も念のため残しておこうと思います。






by kaigaiwataihenda | 2015-06-15 13:37 | アメリカの医療保険 | Comments(23)
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