World Elite — Comparison Chart

Benefits World Elite 800 World Elite 450 World Elite 250 World Elite Plus
Area of Coverage Worldwide excluding Home Country Worldwide excluding Home Country Worldwide excluding Home Country Worldwide excluding Home Country
Maximum Limit Unlimited Unlimited Unlimited Unlimited
Deductible In: $800 · Out: $1200 (separate) In: $450 · Out: $500 (separate) In: $250 · Out: $500 (separate) In: $0 · Out: $0
Coinsurance In: 70% · Out: 50% In: 80% · Out: 50% In: 80% · Out: 50% In: 100% · Out: 50%
Out-of-Pocket Maximum In: $8,500 · Out: $10,000 In: $5,000 · Out: $5,500 In: $5,500 · Out: $5,500 In: $5,000 · Out: Unlimited
In-Network Hospitals (U.S.) 70% 80% 80% 100%
Out-of-Network Hospitals (U.S.) 50% 60% 60% 60%
Preventive Care (In) 100% 100% 100% 100%
Student Health Center No Copay & Deductible No Copay & Deductible No Copay & Deductible No Copay & Deductible
Office Visit (Primary/Specialist, In) $20 Copay $20 Copay $30 Copay $25 Copay
Urgent Care (In) $50 Copay $50 Copay $65 Copay $50 Copay
Hospital (Inpatient) Deductible then 70% Coinsurance Deductible then 80% Coinsurance Deductible then 80% Coinsurance Deductible then 100% Coinsurance
Emergency Room $250/visit (waived if admitted) $200/visit (waived if admitted) $200/visit (waived if admitted) $200/visit (waived if admitted)
Medical Evacuation & Repatriation Evac up to $120,000/period · Repatriation $50,000 lifetime · Mortal Remains $25,000 Evac up to $120,000/period · Repatriation $50,000 lifetime · Mortal Remains $25,000 Evac & Medical Repatriation: $100,000 (combined) · Mortal Remains $25,000 Evac up to $120,000/period · Repatriation $50,000 lifetime · Mortal Remains $25,000
Prescription Drugs (Retail, U.S.) Generic $15 · Preferred Brand $40 · Non-Preferred $75 · Specialty $100
Out-of-Network: Copay then 50% · International: Reimbursable per policy 		Generic $15 · Preferred Brand $40 · Non-Preferred $75 · Specialty $100
Out-of-Network: Copay then 60% · International: Reimbursable per policy 		Generic $5 · Preferred Brand $50 · Non-Preferred $75 · Specialty $90
Preventive meds: 100% (per policy) · Out-of-Network/International per policy 		Generic $5 · Preferred Brand $40 · Non-Preferred $60 · Specialty $90
Out-of-Network: Copay then 60% · International: Reimbursable per policy
Pre-existing Conditions Covered Covered Covered Covered
Annual Premiums (USD)
Relationship · Age Annual
Policyholder 17–24$1,007.40
Policyholder 25–29$1,489.20
Policyholder 30–45$3,839.80
Relationship · Age Annual
Policyholder 17–24$1,620.60
Policyholder 25–27$2,197.30
Policyholder 28–29$3,347.05
Policyholder 30–45$7,391.25
Relationship · Age Daily
Policyholder 17–24$1,908.95
Policyholder 25–27$2,544.05
Policyholder 28–29$3,934.70
Policyholder 30–45$8,639.55
Relationship · Age Annual
Policyholder 17–24$2,460.10
Policyholder 25–27$2,832.40
Policyholder 28–29$5,135.35
Policyholder 30–45$10,271.50
Brochure
Terms & Conditions
Notes: Benefits above are a summary only; limits, exclusions, networks, and definitions are governed by each plan’s Policy Terms & Conditions.

Elite Plans (Elite 800 · Elite 450 · Elite 250 · Elite Plus) — 가입조건 · 취소 및 환불정책
Eligibility · Cancellation & Refunds

본 안내는 Elite 시리즈 공통 요약입니다(Royal 제외). 세부 예외·절차는 각 상품의 Policy Terms & Conditions가 우선합니다.

자세한 내용은 약관(Policy Terms & Conditions)을 참고하세요. | For details, please refer to the Policy Terms & Conditions.

가입(Eligibility) 요건

  • 유효한 여권 및 F-1, M-1, J-1 등 유학생/교환방문 비자(해당 시 I-20/DS-2019 필요).
  • 정규(Full-time) 재학생이어야 하며, 학교 재학(실제 수강) 기간 전체에 대해 가입하고 학교 요구기간(학기/연간)을 충족.
  • 효력 시작일 기준 입원 또는 적극적 치료 중이 아닐 것.
  • 타 보험과 중복 가입 불가. 신분·자격 변경 시 Elite 플랜 자격이 변경될 수 있음.

취소 및 환불(Refund) 규정

아래 사유에 해당하고, 보험기간 중 청구(클레임) 이력이 없을 때만 환불 가능합니다.

  1. 학교 Waiver 승인 (대체보험 인정/면제 승인): 승인 통지 후 15일 이내 서면 요청 + 공식 증빙.
  2. 학교 승인 휴학(Leave of Absence): 승인 통지 후 15일 이내 서면 요청 + 승인서/귀국(복학) 관련 증빙.
    환불은 남은 기간 pro-rata 기준에서 $50 조기해지 수수료 공제.
  3. 조기 졸업: 졸업 전 사전 통보 + 졸업증빙 제출 시, 졸업일~정책 종료일 차액 환불.
  • 위 사유 외에는 환불 불가하며, 모든 요청·증빙은 정책 종료 전 접수되어야 합니다.
  • 천재지변(Force Majeure)은 자동 환불/연장 사유가 아닙니다.
  • 보험료: 전액 결제 완료 시 효력 발생. 미납 시 해지 및 잔여기간 보험료 납부 의무가 발생할 수 있음.
  • 보험사 직권 해지/취소(자격 미달·허위기재 등): 청구 이력 없을 때 $50 공제 후 환불 가능.

Eligibility (Elite Series)

  • Valid passport and appropriate student/exchange visa (e.g., F-1, M-1, J-1), with I-20/DS-2019 as applicable.
  • Full-time student status is required. Coverage must span the full period of enrollment and meet the school’s term/annual requirement.
  • Not hospitalized or under active treatment on the effective date.
  • No overlapping coverage; eligibility may change if legal status changes.

Cancellation & Refunds

Refunds apply only when no claims have been filed during coverage.

  1. School Waiver Approved: submit a written request within 15 days of approval with official proof.
  2. School-approved Leave of Absence: submit within 15 days of approval with proof of leave/return.
    Refund is pro-rata for the remaining period, less a $50 early termination fee.
  3. Early Graduation: provide advance notice and proof; refund the difference from graduation date to policy end.
  • No refunds beyond the cases above; requests/documents must be received before policy end.
  • Force Majeure does not automatically grant refund/extension.
  • Premium: coverage activates upon full payment; non-payment may lead to termination and liability for unpaid premium.
  • Insurer rescission/termination (e.g., ineligibility/misrepresentation): refundable if no claims, less a $50 fee.