各位保險前輩，小弟申請到J1簽證，赴美需要滿足一年期的保險，其要求如附註:
國外是可以保，但保費高且效力好像沒有很好，聽學長說只是保滿足規定的。
因此，想請問國內有哪些海外遊學保險是否能涵蓋此部分，讓我不用保國外的，目前鎖定
國泰的海外留學打工保險。再麻煩各位保險前輩們為我解答，謝謝。
https://i.imgur.com/paK9PSm.jpg
附註:
中文Google大概翻譯:
1.每次事故或疾病至少10萬美元的醫療福利;
2.遣返遺體25,000美元;
3.與他或她的國家的交換訪問者的醫療後送相關的費用為50,000美元;
4.每項事故或疾病不超過500美元的免賠額;
根據現行行業標準確定的可能需要等待已有條件的政策; 可以包括共同保險的條款，根據
條款，交換訪問者可能需要支付高達每次事故或疾病所涵蓋的福利的25％; 不得合理地排
除對交換訪問者計劃活動固有風險的保險範圍; 由擁有A.M.的保險公司承保最高評級為“
A-”或以上，保險償付能力國際有限公司（ISI）評級為“AI”或以上，標準普爾索賠支
付能力等級為“A-”或以上，Weiss Research，Inc B +或以上的評級，或國務院可能不
時指定或由交換訪問者政府的完全信任和信譽支持的其他評級。
英文全文(單位：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.