一、门诊（急诊）疾病医疗

1、投保人须到公立医院就诊。就诊时，可拨打4008105119转1（24小时双语支持）的服务咨询电话，获取有关疾病咨询、治疗建议、网络医院信息、保险理赔指导等服务。

2、理赔支付起点为人民币650 元（每日医疗发票超过600元按600元计算）。保期内医疗费用累计超过人民币650元的部分（如符合要求）可报销 85%。

3、理赔上限：2万元。

 

二、意外伤害医疗

1、投保人须到公立医院就诊。

2、符合规定者可报销100%。

3、理赔上限：2万元。

 

三、住院医疗

1、投保人须入住公立医院的普通病区。

2、投保人入住挂勾的网络医院(有关医院名单后附)，请入院前与北京环球医疗救援中心联系(电话：4008105119或010-67185217)，并及时告知学校外国留学生办公室(电话：65317936 )。

3、投保人入住网络医院外的公立医院，需自行垫付一切医疗费用，出院后再办理医疗理赔。

4、理赔上限：40万元。

International Students Medical Insurance Outline

In line with official policy set forth by the Ministry of Education of China, all international students who have registered in any institutions of higher education in mainland China are obligated to purchase “Group Medical Insurance”. The insurance coverage is as follow:

Outpatient (Emergency) Medical Treatment

1. Please carefully note that ONLY PUBLIC HOSPITALS are able to accept this insurance.When you need to see a doctor, please call 4008105119 EXT 1 (bilingual service available 24 hours a day) for medical consultation. The insurance company will provide appropriate services, such as illness consultations, treatment suggestions, and information about web-based hospitals, advanced payments, and insurance claims.  

2. The baseline for an insurance compensation claim is RMB 650. The costs beyond the RMB 650 deductible will be covered by the insurance company at 85%, provided the costs are considered reimbursable, necessary, and reasonable by the local social medical insurance departments. Please note that the daily limit for outpatient is RMB600.

3. Accumulative compensation shall not exceed RMB 20,000.

Medical Treatment for Accidental Injury

1. Only PUBLIC HOSPITALS are able to accept this insurance.

2. Medical costs will be totally covered by the insurance company, provided the costs are deemed reasonable.

3. Accumulative  compensation shall not exceed RMB 20,000.  

Treatment Requiring Hospitalization

1. Insurance coverage extends only to the common ward areas in PUBLIC HOSPITALS.

2. Advanced payment of medical expenses from the insurance company is available for hospitalization in the web-based hospitals listed in the attachment. It is very important to call Beijing Universal Medical Assistance via 4008105119 or 010-67185217 for confirmation before hospitalization. The Office for International Students’ Affairs (65317936) should also be informed of your hospitalization.

3. For hospitalization in public hospitals not included on the web-based list, all medical expenses should be paid by the insured first. Compensation claims can be made after hospital discharge.

4. Accumulative compensation shall not exceed RMB 400,000.

外国留学生医疗保险理赔指引

办理理赔的投保人需将以下有关材料递交至外国留学生办公室，由办公室工作人员协助办理理赔手续。保险公司通过核实等程序后，将符合理赔的金额划入投保人提供的银行帐户中。

   如需了解理赔详情，请登录留学保险网www.lxbx.net查阅，以保险公司提供的信息为准。保险公司不接受公立医院外的其它医院的理赔。  

投保人申请理赔需提供下列材料(原件或复印件)

1、护照（资料页）复印件2份；  

2、个人银行账号复印件2份，包含开户行名称、个人签名和联系电话；

3、病历本；

4、住院、门诊发票原件；

5、住院、门诊费用明细清单；

6、医院诊断证明，各种检查结果，出院小结等；

7、意外受伤事故住院、门诊治疗理赔者，还需要提供意外受伤事故经过及说明。

Insurance Claims Guideline

Documents for settlement of claims should be submitted to the International Students Office. The insurance company will verify the submitted documents and the claim amount considered as reasonable will be transferred to the bank account provided by the insured. For more information, please refer to www.lxbx.net. In case of discrepancy, the information released by the insurance company shall prevail. Please carefully note that the insurance company will not be responsible for insurance claims incurred in private hospitals.

The insured should provide the following documents for settlement of claims (original copy or photocopy):

A. Two copies of passport (photo page) and current visa or residence permit;

B. Two copies of personal bank account information, including the insured’s signature and telephone number and the name of bank branch at which the account was opened (as the sample attached);

C. Copy of medical records;

D. Original of invoice and receipt for medical treatments;

E. Detailed expenditure list for hospitalization and outpatient treatments;

F. Copy of medical diagnoses, examination report, laboratory test report, and hospital discharge summary;

G. Course and certificate of accident (in case of claims due to inpatient and outpatient medical treatments for accidental injury).

	医院名称/Hospitals	地址/Address	电话/TEL
1	重庆医科大学附属大学城医院 University-town Hospital of Chongqing Medical University	重庆市沙坪坝区大学城中路55号 55 Daxuechengzhong Road, Shapingba District	023-65715611 023-65715757
2	重庆市沙坪坝区人民医院 People’s Hospital of Shapingba District	重庆市沙坪坝区小龙坎新街44号 44 New Xiaolongkan Street, Shapingba District	023-65365100 023-65365120
3	西南医院 South-west Hospital	重庆市沙坪坝高滩岩正街30号 30 Gaotanyan street, Shapingba District	023-68754000
4	新桥医院 Xinqiao Hospital	重庆市沙坪坝区新桥正街 Xinqiao Street, Shapingba District	023-65318301 023-68765115