Policies & Regulations

Insurance

Comprehensive Medical Insurance for International Students is targeted for all international scholarship students and self-supported students who successfully registered for each semester in regulated time. The insurance covers outpatient service, emergency treatment, inpatient treatment and accidental injury medical treatment. For further concerns, please call 24-hour hotline 4008105119, or contact 010-67185217 for details. 

*Procedures for Claiming for Outpatient Service

1.Getting treatment

Students should go to a standard public hospital in mainland China to get medical treatment. The procedures are: register at hospital – pay fees – collect medicine – contact insurance company directly for claiming.

2.Claim Limit

For Chinese government scholarship students, if medical treatment fee is under 650 RMB per year, students will have to pay by themselves; the insurance company will cover 85% of the extra part over 650RMB.

For self-supported students, if medical treatment fee is under 2000 RMB per year, students will have to pay by themselves; the insurance company will cover 85% of the extra part over 2000RMB.

Total amount of the receipts per day is 600RMB maximum, and the total amount of receipts in every insured period is limited to 20000RMB. 

3. Required Documents:

(1) Original receipts

(2) Medical record book (time on the receipt should be in accordance with the time on the medical record book)

(3) Photocopy of passport page with the expiration date

(4) Bank account information (List of detailed bank record, including name of the bank, bank account name, account number)

 

4.Students mail all the above required documents to the following address. The address should be written in Chinese:

   北京市朝阳区东三路环中路55号富丽双子座B303

*Procedures for Claiming for Inpatient Service

Choice A: Paying by yourself in advance and claiming reimbursement afterwards

1. Procedures  

Students should go to a standard public hospital in mainland China to get inpatient service. The procedures are:

    1) register at hospital

    2) pay all inpatient service fees by yourself

    3) contact insurance company for reimbursement after treatment.

2. Required documents for reimbursement after treatment as follows:

    1) Original receipts from the hospital

    2) The detailed list of fees

    3) Discharge abstract and medical record

    4) Photocopy of passport page with the expiration date

    5)Bank account information (List of detailed bank record, including name of the bank, bank account name, account number)

3. Reimbursed money will be transferred to your bank account directly one month later.

Choice B: Insurance company help you pay in advance

1.  Procedures:

     1) Students register in hospital and receive an inpatient treatment notice firstly

     2) Students contact insurance company and have insurance company determine if they can help students pay in advance –

     3) Students pay deposit to the hospital

     4) Students receive inpatient treatment

2.  Important notes

1)There are only two designated hospitals in Wuhan in which insurance company is able to help students pay in advance. They are People's Hospital of Hubei Province of Wuhan University (No.99, Zhangzhidong Road, Wuchang District) and Tongji Hospital of Huazhong University of Science and Technology (Hangkong Road, Hankou District)

2)Before students receive inpatient service, students need to pay 10% of total inpatient fee as a deposit. Otherwise, students will not be able to receive inpatient services

3)Inpatient treatment notice from the hospital and medical record from outpatient service should be provided to the insurance company firstly, so that the company can decide whether they can pay for the students or not. Contact number for insurance company is 4008105119, or 010-67185217.

4)Students can also seek help from the International Students Office for further concerns.

 

来华留学生综合医疗保险

来华留学生综合医疗保险是针对在我校每学期按时完成报到注册的外国留学生奖学金生及自费生。保险范围为门诊、急诊、住院治疗及意外伤害治疗。如遇任何医疗咨询,请拨打24小时服务热线4008105119,或者拨打010-67185217咨询。

一、门诊理赔程序

1.接受治疗

      1)学生需在中国大陆公立医院就诊,

      2)门诊治疗程序为:挂号就诊—缴费拿药咨询保险公司寻求理赔  

2.理赔限额

      因疾病进行门诊、急诊治疗所发生的合理医疗费用,中国政府奖学金生每个保险期限内累计支付650元以上,自费留学生每个保险期限内累计支付2000元以上的部分,保险公司将按照85%的比例赔付。当日消费限额为600, 每个保险期内总消费限额为20000元。

3.理赔所需提供材料

      1)收费收据原件

      2)门诊病历(收据时间和病历记录时间一致)

      3)护照有效期页复印件

      4)银行账户信息(银行打印清单,所需信息包括:开户名、开户行、账号)

4. 学生自行将材料邮寄至下列地址

    北京市朝阳区东三路环中路55号富丽双子座B303 

二、住院理赔程序

*形式一:先住院,后报销

1.  治疗

     学生需在中国大陆公立医院就诊,程序为:挂号就诊—自己交付所有住院费用—出院后咨询保险公司理赔

2.需要提供如下材料

      1)医院开据的原始收据

      2)相关费用的明细清单

      3)出院小结和病历

      4)护照有效期页复印件

      5)银行账户信息(银行打印清单,所需信息包括:开户名、开户行、账号)

3、报销费用由保险公司直接汇入你的账户,预计一个月后到账

*形式二:保险公司垫付

1.垫付程序

      医院开具住院单 - 学生咨询保险公司寻求垫付 学生向医院交付押金 - 住院治疗

2. 垫付要求

      1) 武汉市仅有两所保险公司指定的定点医院可以提供垫付,分别为武汉大学湖北省人民医院(武昌区之洞路99号)华中科技大学同济医院(汉口航空路)

      2) 学生住院前,必须先向医院交付住院治疗费用10%的押金

      3) 必须事先向保险公司提供门诊病历和医院开据的住院单,以便保险公司确认是否能够垫付。保险公司电话:4008105119,或者010-67185217

      4) 可联系留学生办公室老师帮助咨询保险公司