各位保险前辈，小弟申请到J1签证，赴美需要满足一年期的保险，其要求如附注:
国外是可以保，但保费高且效力好像没有很好，听学长说只是保满足规定的。
因此，想请问国内有哪些海外游学保险是否能涵盖此部分，让我不用保国外的，目前锁定
国泰的海外留学打工保险。再麻烦各位保险前辈们为我解答，谢谢。
https://i.imgur.com/paK9PSm.jpg
附注:
中文Google大概翻译:
1.每次事故或疾病至少10万美元的医疗福利;
2.遣返遗体25,000美元;
3.与他或她的国家的交换访问者的医疗后送相关的费用为50,000美元;
4.每项事故或疾病不超过500美元的免赔额;
根据现行行业标准确定的可能需要等待已有条件的政策; 可以包括共同保险的条款，根据
条款，交换访问者可能需要支付高达每次事故或疾病所涵盖的福利的25％; 不得合理地排
除对交换访问者计划活动固有风险的保险范围; 由拥有A.M.的保险公司承保最高评级为“
A-”或以上，保险偿付能力国际有限公司（ISI）评级为“AI”或以上，标准普尔索赔支
付能力等级为“A-”或以上，Weiss Research，Inc B +或以上的评级，或国务院可能不
时指定或由交换访问者政府的完全信任和信誉支持的其他评级。
英文全文(单位：美元):
1.Medical benefits of at least $100,000 per accident or illness;
2.Repatriation of remains in the amount of $25,000;
3.Expenses associated with medical evacuation of the exchange visitor to his
or her country in the amount of $50,000;
4.A deductible not to exceed $500 per accident or illness;
5.A policy which may require a waiting period for pre-existing conditions whic
h are reasonable as determined by current industry standards;May include a pro
vision for co-insurance under the terms of which the exchange visitor may be r
equired to pay up to 25% of the covered benefits per accident or illness;
Shall not reasonably exclude coverage for perils inherent to the activities of
the exchange visitor's program;
Underwritten by an insurance corporation having an A.M. Best rating of “A-”
or above, an Insurance Solvency International, Ltd. (ISI) rating of “A-I" or
above, a Standard and Poor's Claims-paying Ability rating of “A-" or above, a
Weiss Research, Inc. rating of B+ or above, or such other rating as the Depar
tment of State may from time to time specify or is backed by the full faith an
d credit of the exchange visitor's government.

其实很多学校不会管，我之前拿J1签证，前半年保旅平空窗了一阵子，后来差点生病怕要看医生才补了美国的，半年约3万台币真的要买就买上美国的保险公司买吧! 他们医疗险有点麻烦或说有点复杂，分法跟台湾不太一样，还有分哪些保险可以看哪医院，去学校再问也可以，不过学校推荐的都好贵....