Provisions on Accidental Injuries and Major Diseases Insurance for International Students
Article 1 The Chinese government has carried out a comprehensive medical insurance system including personal accidental injuries and hospital medical treatment for international students. Any international student who is going to study in China at his or her own expense for six months or more is required to purchase accidental injuries and major diseases insurance himself or herself. If one does not purchase the insurance, the school shall not handle the relevant visa-application procedure for him or her.
Article 2 Our University (school) adopts the way of insuring students in groups. The insurance product: “Comprehensive Insurance & Protection Scheme for Foreigners Staying in China of Ping An Annuity Insurance Company, Ltd”, includes death insurance and accidental disability insurance, insured amount of 100,000 yuan (RMB), medical insurance for accidental injuries, insured amount of 20,000 yuan (RMB) and hospitalization and medical insurance, insured amount of 400,000 yuan (RMB). Notice: for more details, including insurance liability and liability exemption clause, the insurance plan provided by the Insurance Company shall prevail.
Article 3 There are two kinds of insurance payment. Plan A: insurance premium 600 yuan per person per year; Plan B: insurance premium 800 yuan per person per year. The two kinds of insurance premium differ in the reimbursement of outpatient and emergency treatment. For Plan A, the starting line for outpatient and emergency reimbursement is 2,000 yuan; for Plan B, the starting line for outpatient and emergency reimbursement is 650 yuan. However there is no difference in hospitalization reimbursement.
Article 4 Medical organizations which are involved in all the foregoing medical liabilities are limited to the public hospitals within the border of mainland China; the medical expenses of childbirth or incurred in sub-branch of public hospitals, ward area for foreigners, ward area for special treatment and needs, ward for special treatment and needs, ward for high-ranking officials, or similar ward area or ward shall be excluded from the insurance. Medical treatment expenses generated by all the foregoing medical liabilities are limited to the items and expenses that can be reimbursed in accordance with the local regulations of social basic medical insurance, the self-paid or partly self-paid items and expenses cannot be reimbursed.
