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Health & Medical Insurance

To satisfy the needs of the rapid development of international education in China, safeguard legitimate rights of international students, refine Emergency Mechanism, and optimize the international education environment, The International Cooperation, and Exchange Bureau of the Ministry of Education has made and issued the Provisional Regulations on Compulsory International Student Insurance at Higher Institutions of Learning (ICEBoMoE [2007] No.1078). The following rules combined with the actual conditions of this university are formulated by the regulations by MoE.

International students who study in this university for no less than one semester (including one semester) must buy the authorized group comprehensive insurance for international students in China. 

International students who need to buy the authorized group comprehensive insurance shall pay an insurance premium when they pay tuition.

If the scholarship stipulation of Chinese government scholarship students and interschool exchange students covers the content of offering medical insurance, the university will purchase the group comprehensive insurance for them. If the stipulation contains no explicit provision, they shall pay the insurance at their own expense.

Given that China Ping An Insurance Company has been an insurance company that accepts the applications of Chinese government scholarship students for “comprehensive insurance for international students”, this university also appoints the “comprehensive insurance for international students” of China Ping An Insurance Company as the authorized group insurance for international students to ensure the equality of the standards of insurances enjoyed by international students.

Detailed issues that are related to the comprehensive insurance for international students in China shall be dealt with by the relevant Articles formulated by China Ping An Insurance Company.

 

A: Dear customers:

If you want to learn about the services of settlement of a claim of comprehensive insurance for people coming to China of Ping An Endowment Insurance Co., Ltd., please read this guide carefully.

 

(1) Procedures for insurance claims:

standard procedures of insurance claims after the occurrence of insurance accident:

1. Please call directly 4008105119 EXT 1 for medical consultation due to disease or accident. The rescuing doctor will consult, diagnose, and provide medical guidance and precautions for insurance claims. After consulting diagnosis and outpatient treatment, if the doctor confirms that further hospitalization is required, the insured can apply for advanced payment of medical expenses for hospitalization to the rescue company. After communication and confirmation of the rescue company and hospital, it will be decided whether the advanced payment procedures shall be started. If the insured is directly hospitalized without consulting, diagnosis, and recording of doctor of the rescue company and outpatient treatment (including those whose conditions do not meet the requirements of hospitalization but require the outpatient doctor to agree with hospitalization), the rescue company will not be responsible for advanced payment of medical expense for hospitalization. If advanced payment for medical expenses is made without the above procedures, the insured will not be able to get compensation.

2. Major accident can be reported with the following contact information

The telephone number for claim consultation and reporting: 4008105119 EXT 1. You can call 010-67185217 in the areas without telephone numbers beginning with 400.

You cannot get compensated without reporting through the 400 calls or following the standard procedures.

 

(2) Document to be presented for settlement of claims:

1. One-year term life insurance

Copy of passport and visa page of the Insured

Disability certificate when the Insured is disabled (an evaluation report shall be issued by the assigned evaluation body)

Death certificate of the Insured

Certificate of the relationship between the Insured and all the beneficiaries, and copy of identification proof of the beneficiaries

Certificate of the accident, in case of an accident (in case of traffic accident, the traffic unit should issue a liability confirmation of traffic accident)

Copy of valid insurance certificate

 

2. Medical treatment for accidental injuries

Copy of the passport and visa page of the Insured

Course and certificate of accident (in case of traffic accident, the traffic unit should issue a liability confirmation of traffic accident)

Original of receipt

Medical record, detailed expenditure sheet and copy of examination report and laboratory test report of each respective treatment

Copy of valid insurance certificate

 

3. Medical treatment for outpatient and emergency

Copy of passport and visa page of the Insured

Original of receipt

Medical record, detailed expenditure sheet and copy of examination report and laboratory test report of each respective treatment

Copy of valid insurance certificate

If the fees have exceeded the minimum payment line of RMB650 Yuan, then the medical record, detailed expenditure sheet, and copy of examination report, and laboratory test report of treatment that costs below 650 Yuan are also required to be presented.

 

4. Hospitalization

Copy of passport and visa page of the Insured

Certificate of the accident, in case of an accident (in case of traffic accident, the traffic unit should issue a liability confirmation of traffic accident)

Original of receipt and detailed expenditure sheet for hospitalization

Copy of hospital discharge summary or medical record of hospitalization

Copy of valid insurance certificate

 

B: Special instructions:

(1) Besides, the Insured’s bank account with signature or school-assigned bank account with school stamp must be attached to the claim settling documents. ( Specific content please dial 4008105119 transfer 1 )

(2) Where in one insured incident, the Insured has to be treated in two or more hospitals, relevant documents such as diagnosis certificates and medical records from relevant hospitals shall be presented.

(3) Hospitals for treatment are limited to the public hospitals within the territory of the Chinese mainland, and items and expenses that can be reimbursed should be by the scope of local regulations of social basic medical insurance.

(4) Application for nursing fee

 

Original Invoices of nursing fees issued by the hospital or by the nursing service company

The application for the nursing fee issued by the nursing unit shall be signed by the Insured him/herself and stamped with the official seal of the unit.

 

C: Materials for claims of settlement sent to:

Room 303, Building B, Gemini Tower, No. 55, East Third Ring Middle Road, Chaoyang District, Beijing (Postal code 100022)

Addressee: Claims Department of Projects in China Please Dial: 4008105119 ext. 1

Please log in to www.lxbx.net for the latest insurance introduction. Chinese explanation prevails in case of contradiction arising out of the aforementioned contents.

 

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