[2021 Latest] Insurance Waiver Guide for UNC

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UNC Insurance Waiver Guide 

Save $1927/year from your health insurance cost! 

2021年UNC北卡罗来纳大学教堂山分校保险替换攻略

UNC banner

 

“ 在学校保险Waiver 截止日期前, 仅用15分钟,和我们一起搞定:

UNC北卡罗来纳大学教堂山分校保险替换, 轻松取回$ 1927保险费 ”

 

 

“ Simply submit your insurance waiver with us,

and save $1927 from your health insurance cost!

 

What is an insurance waiver?

Attending a US college can be financially stressful. The average fee to attend a private non-profit four-year university is $48,510  per year. For international students, the costs are even higher.

On your tuition bill, you will see that UNC has automatically enrolled you in the university’s insurance plan.

However, international students can enroll in a surprisingly more affordable plan designed specifically for them.  UNC ’s insurance plan costs $2,616.8 a year. Alternatively, health coverage for international students can be as low as $689 a year.

An insurance waiver is an application to switch your plan that better fits your needs. Simply enroll in an insurance plan that meets the school’s waiver requirements and submit an insurance waiver on the school’s website.

waive-guide
每一年,弗吉尼亚理工学院暨州立大学 (Virginia Tech)会自动为学生注册一笔最高达到 $3,173/年 的学校保险费用,并包含在学年的学费当中。可是,高昂的费用背后,却没有更优质的赔付比例,也没有弗吉尼亚理工学院暨州立大学 (VT)的专属售后客服,在遇上紧急问题时,找不到可以寻求帮助的途径。

什么是学校保险?

What is an insurance waiver?

每一年,北卡罗来纳大学教堂山分校(University of North Carolina at Chapel Hill)会自动为学生注册一笔最高达到 $2616.8/年的学校保险费用,并包含在学年的学费当中。可是,高昂的费用背后,却没有更优质的赔付比例,也没有北卡罗来纳大学教堂山分校(University of North Carolina at Chapel Hill)的专属售后客服,在遇上紧急问题时,找不到可以寻求帮助的途径。

waive-guide

Attending a US college can be financially stressful. The average fee to attend a private non-profit four-year university is $48,510  per year. For international students, the costs are even higher.

On your tuition bill, you will see that VT has automatically enrolled you in the university’s insurance plan.

However, international students can enroll in a surprisingly more affordable plan designed specifically for them.  VT’s insurance plan costs  $3,173 a year. Alternatively, health coverage for international students can be as low as $1,290 a year.

An insurance waiver is an application to switch your plan that better fits your needs. Simply enroll in an insurance plan that meets the school’s waiver requirements and submit an insurance waiver on the school’s website.

waive-guide

为何学校保险费用高昂却性价比低?

保险的定价是由保险风险估算决定的。首先,学校的保险不仅包含了留学生,还包括了本地生。其次,学校保险涵盖的投保人年龄层跨越大;另外,学校保险的投保人群还包括有病史的残疾人等等,所以学校保险的风险要高很多。再者,投保人年龄在25岁以下和25岁以上是有价格区别的。而Student Medicover留学生保险只针对留学生,留学生群体风险评估较低,也更了解留学生在美的需求,这也是为什么Student Medicover保险价格比学校保险便宜这么多,却还能有更高性价比的主要原因。

Why are alternative health insurance plans more affordable?

The insurance costs are calculated based on the risk factors, demographic factors are essential to the health insurance cost. University health plans are usually more expensive because the plans serve a broader range of the population, including international and domestic students.

insurance waiver

学校保险并不是大家唯一的选择,

北卡罗来纳大学教堂山分校(University of North Carolina at Chapel Hill)

允许留学生们

使用经过学校认证通过后的校外保险——

Student Medicover的保险计划

进行学校保险的替换

UNC北卡罗来纳大学教堂山分校学校保险对比Student Medicover保险

UNC Insurance Plan vs. Student Medicover Insurance Plans

使用Student Medicover保险

替换学校保险

最高立省 $1927

Waive your college insurance with Student Medicover

SAVE up to $1927 !

【新】yujia 对比图 6 1
Jade英文版对比图 1

Student Medicover作为全美目前最好的留学生医疗保险

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全美最大的保险公司UnitedHealthCare合作,采用覆盖面最广的PPO医疗网络,让同学们方便快捷地找到最近的网络内医院, 享受高比例赔付

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唯一帮助国内同学解决waive问题的专业团队,为你详细解读UNC保险政策。

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包含 新冠 (Covid-19) 相关检测、治疗与疫苗

Student Medicover provides the most cost-effective and comprehensive insurance plans for international students in the U.S.

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Reliable Coverage:
Student Medicover’s coverage features low deductibles, high coinsurances, low copays, and low out-of-pocket maximums. Their plans offer substantial coverage for doctor visits, hospital stays, emergency care, prescription drugs, and many other treatments found in the policy brochures. Covid-19 treatment and vaccination are also covered.

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Find a trusted doctor anywhere in the country:
With Student Medicover, you can access accredited care providers in the nation’s leading network – UnitedHealthcare Options PPO. You will enjoy lower costs for in-network medical services with pre-negotiated prices.

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Visit Student Health Center:
Student Medicover offers in-network benefits for treatments received in any student health centers in the country, including UNC Student Health Care Center.

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24/7 Customer Service:
If you have any questions, you can always ask a customer service representative through email, phone, WhatsApp, Facebook, and online support center.

购买及更新保险攻略

How to enroll?

STEP 1

购买Student Medicover留学保险

访问 smcovered.com, 滑动到Enrollment处。

在Organization处输入并选择:University of North Carolina - Chapel Hill

【注意】学校规定保险至少需要cover上学期间。所以请在coverage处输入 08/01/2021-07/31/2022

Enroll in an insurance plan

Visit smcovered.com, scroll down to "Enrollment"

- Choose your Birthday

- School: Choose University of North Carolina - Chapel Hill

- Student Category: F1 International

- Coverage Period: 08/01/2021-07/31/2022



step1-1

Elite,Prime和和Basic计划都符合UNC的学校要求。推荐大家购买Elite计划哦~自付额更低!

Both Elite, Prime and Basic plans meet the school's requirements to ensure the success of waive! Recommend everyone to buy the Elite plan, the deductible is lower!



step1-2

提醒同学们,付款的过程中如果出现问题,比如长时间停留在加载页面,大家一定不要后退,也不要重复操作。如果付款不成功,请第一时间联系文末的客服。 使用BOA和PNC银行卡付款,银行会收取手续费,请同学们尽量选择其他银行卡哦。

Notice: If there is a problem during the payment process, such as staying on the loading page for a long time, you must not go back and do not repeat the operation.If the payment is unsuccessful, please contact the customer service at the end of the article as soon as possible. When paying with BOA and PNC bank cards, the bank will charge a handling fee, please try to choose other bank cards.

STEP 2

下载保险卡

保险购买完成后,前往UnitedHealthcare Student Resource 的官网uhcsr.com,点击底部的Create My Account注册账号

Download your ID Card

- Go to UHCSR.com

- Choose "CREATE MY ACCOUNT" at the bottom



step2-1

进入页面后:

1.输入姓名、生日及注册Student Medicover时用的邮箱

2.系统会问你是否已购买其他保险,选择 Certify No Insurance

3.登录MyAccount后,点击ID Card下载并打印即可

- Enter your Name, Birthday, and your Registered account email to create account

- Choose "Certify No Insurance" when the system asks if you have other insurance

- Log in to "My Account", click "ID Card" so you can download and print it



step2-2

STEP 3

下载Confirmation letter

购买完成后,前往 smcovered.com 点击My Enrollment下载Confirmation Letter(确认信)。

Download Confirmation letter

- Go to smcovered.com to log in, and click My Enrollment to download the Confirmation Letter.



step3-1

点击PDF, 下载confirmation letter。

-Click PDF, and download confirmation letter



step3-2

在官网上方菜单栏Enrollment处选择Review Certificates/Flyers。

-Find Review Certificates/Flyers in the Enrollment.



step3-4

选择你所购买计划的Certificate,下载即可。

-Download the certificate of the insurance plan you bought.



step3-3

STEP 4

Waive school insurance

Visit the school website: https://studentblue.bcbsnc.com/unc/login?tab=Login and log in to your account on the left.
If you are a freshman, please click on request waiver on the right, register an account, and then return to this page to log in to the account for waive.

1. Waive学校保险

1.访问学校网站:https://studentblue.bcbsnc.com/unc/login?tab=Login ,并在左侧登录账号。
如果是新生,请点击右侧request waiver,注册账号后再回到此页面登录账户进行waive。



step4-1

2.进入Waiver流程,填写投保人信息

2. Enter the Waver process and fill in the applicant's information



step4-2

3.填写账户信息

3. Fill in the account information



step4-3

4.根据下图保险信息填写表格:

Fill in the form according to the insurance information in the figure below:



step4-4

5.选择Yes, 并点击Continue

5. Select Yes, and click Continue



step4-5

6.确认信息后Submit:

6. Submit after confirming the information:



step4-6

确认信息后Submit!学校审核通过后,保险费用就会从学费账单中免除!

After the school is approved, the insurance fee will be waived from your student account balance!



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