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미국 대학교 유학생보험 웨이브에 대해서
미국 대학교 유학생보험 웨이브에 대해서 안녕하세요. 유학생보험 김도형입니다. 미국대학교(University, 커뮤니티 칼리지 등등) 대부분의 대학교들은 보험가입이 의무가 되어 있습니다. 미국의 경우 1년 보험료가 F1 유학생 한분당 $3,000이 넘는 대학교들도 있기에, 웨이브를 신청 많이들 하시는데요. 보험 웨이브를 하면 보험료를 절반 이상으로도 아낄 수 있는 학교들도 많지만, 웨이브가 100% 모든 학교에서 가능한 것은 아닙니다. J 비자로 가시는 분들은 대부분의 대학교나 연구소 기관에서 5만불 플랜으로 웨이브가 가능합니다. F 비자 분들은 웨이브 가능한 학교마다 웨이브 방법이 조금씩 다르지만, 학교 홈페이지나 헬스센터 담당자를 통해 알아볼 수 있습니다. 웨이브를 어렵게 생각하시는 분들이 많이 있습니다. 그러나, 그러나, 정말 쉽습니다. 학교에서 요구하는 조건만 만족하는 보험만 가입했다면, 학교에 증서하나 제출로 끝나는 경우도 있고, 간단하게 온라인상으로 회원가입하듯이 간단하게 웨이브 가능합니다. 온라인 웨이브 하는 곳도, 보통은 학교사이트, gallagherkoster, aetnastudenthealth, academichealthplans, pearceandpearce, wellsfargo 등등 상당히 많기는 하지만, 방법은 똑같습니다. 웨이브 하는 자신의 정보 넣고, 가신이 가입한 보험정도 입력하고... 웨이브가 복잡하다고 느껴지는 건, 한번도 해보지 않은 이유도 있겠으며, 판매하는 설계사들이 전문정보인것처럼 포장하는 이유가 있겠네요. 밑에 보면 미국에 대학교들을 쭉 나열해 보았는데요. 미국은 대학교가 정말 많습니다. 밑에 있는 학교수보다 2배는 더 많은 것으로 알고 있습니다. 마지막으로 정리 해보자면, J 비자(Visiting, Post-Doc, J2 동반가족) 은 95%정도 5만불 플랜 가입하면 되구요. 영문가입증명서 제출하기만 하면 됩니다. 보험 기간은 출국일부터 귀국일까지 가입하면 되고, 보험이 일년 단위로 보통 계약 하시고, 귀국하는 해에는 귀국하는 달까지만 가입하면 됩니다. F1 유학생 비자 발급 받는 분들은, 학교에서 요구하는 보험조건 맞추어서, 웨이브 신청하면 됩니다. (F1은 학교보험만 가입해야 되는 학교도 상당히 많습니다.) J 비자 분들보다는 요구조건이 더 많습니다. 보험기간도 학교보험과 동일하게 맞추어서 가입하면 됩니다. 예로, 학교보험이 1년에 8월15일 ~ 8월 14일 보장한다 그러면, 동일하게 가입하는 것이 요령입니다. 그런데, 이부분도 어렵지 않은 것이 학교 홈페이지에 안내가 다 되어 있습니다. 예전에 많이 웨이브 신청하던 차티스 유학생보험과 에이스 유학보험은 현재 판매가 중단 되었구요. 현재는, 국내 유학생보험중에 LIG유학생보험, 동부유학생보험, 삼성유학생보험등으로 웨이브 신청합니다. 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