• 所有的退款操作必须在线进行. 具体请按照以下的步骤:


• 1. 登录您的PSI帐户


• 2. 点击 'Cancel Coverage'


• 3. 选择你要退款的coverage


• 4. 点击 'Cancel/Refund'


• 5. 确认你没有发生过任何理赔. 如果你已经提交了理赔则不能进行退款操作,不管你是否收到理赔.同样,如果你提出了退款,则理赔也不会受理.


• 6. 在确认页面,你必须列出你的退款理由以及上传School Advisor/Health Center的签名信 ,至少包含下面的一条理由：

       a) You will be going back to your home country

       b) You got assistantship that comes with subsidized insurance coverage

       c) You have graduated and will no longer need insurance coverage

       d) You are no longer an F1/J1 student

       e) The plan you purchased does NOT meet your university requirements. We require a detailed explanation stating why your PSI Plan was denied

备注: 我们会在每月的月底来处理哪些有有效证明的退款申请.经过验证以后,如果没有问题你的退款申请将会被批准. 如果你的申请中没有提交证明文件,你的申请就会被谢绝同时你的coverage将继续保留有效.
ALL APPROVED REFUNDS ARE CREDITED EVERY 15TH OF THE SUCCEEDING MONTH.(Refunds are only approved if you request the refund within 180 days of your insurance start date.)

退款金额的计算方法:
Refund = Original premium - Premium for used coverage* - Fee**

* Coverage is rounded to the nearest month for student plan and 14 days for visitor plan.
**Fee: $25 processing fee plus 2.5% of premium credit card charge.

例如: Original 12-month coverage is from 8/1/2008 to 7/31/2009 for $449, written refund request is received by PSI on 11/10/2008. Premium for used coverage will be rounded to 4 months (8/1/2008 to 11/30/2008). Premium for 4 months coverage is $164 ($123 for 3 month plus $41 for 1 month).

Refund = $449 - $164 - $25 - ($449 x 2.5%) = $251.02

如有任何疑问,请随时跟我们联络 psi@psiservice.com .