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Insurance
Insurance
A comprehensive medical insurance system has been implemented for international students in China, consisting of accidental injury and hospitalization insurance. It is compulsory for self-financing international students to purchase an insurance scheme meeting the standard designated by the Ministry of Education. BHI will not accept an international student to register if he/she does not have such an insurance scheme.
The university selects“Comprehensive Insurance & Protection Scheme for Foreigners Staying in China of Ping An Annuity Insurance Company, Ltd”as the default group insurance scheme for international students. The scheme consists of Death and Accidental Disability Insurance liability (RMB100,000), Medical Treatment for Accidental Injury Insurance liability (RMB20,000),Hospitalization Medical Treatment Insurance liability (RMB400,000) and Outpatient and Emergency Medical Insurance liability (RMB20,000,the daily limitation for outpatients is RMB600, if beyond the starting-line，RMB650，in the insurance time , the insured can enjoy 85% of reimbursement an accumulative amount of RMB20000 Yuan.). The price is RMB 400 per person for half a year, or RMB 800 per person for a year.
IMPORTANT: The insurance liability and liability exemption are all subject to the statement of the insurance scheme.
Medical organizations which are involved in all the foregoing medical liabilities are limited to the public hospitals established within the border of the Chinese mainland; the medical expenses 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.
The university selects“Comprehensive Insurance & Protection Scheme for Foreigners Staying in China of Ping An Annuity Insurance Company, Ltd”as the default group insurance scheme for international students. The scheme consists of Death and Accidental Disability Insurance liability (RMB100,000), Medical Treatment for Accidental Injury Insurance liability (RMB20,000),Hospitalization Medical Treatment Insurance liability (RMB400,000) and Outpatient and Emergency Medical Insurance liability (RMB20,000,the daily limitation for outpatients is RMB600, if beyond the starting-line，RMB650，in the insurance time , the insured can enjoy 85% of reimbursement an accumulative amount of RMB20000 Yuan.). The price is RMB 400 per person for half a year, or RMB 800 per person for a year.
IMPORTANT: The insurance liability and liability exemption are all subject to the statement of the insurance scheme.
Medical organizations which are involved in all the foregoing medical liabilities are limited to the public hospitals established within the border of the Chinese mainland; the medical expenses 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.
Procedures for insurance claims:
Standard procedures of insurance claims after occurrence of insurance accident:
1. Please call directly 4008105119 EXT 1 for medical consultation due to disease or accident. The rescue doctor will consult, diagnose, and provide medical guidance and precautions for insurance claim. After consulting diagnosis and outpatient treatment, if the doctor confirms that further hospitalization is required, the insured can apply for advanced payment of medical expense 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
Telephone number for claim consultation and reporting: 4008105119 EXT 1. You can call 010-67185217 in the areas without telephone number beginning with 400.
You cannot get compensated without reporting through the 400 call or following the standard procedures.
More information about the insurance please visit the official website www.lxbx.net
1. Please call directly 4008105119 EXT 1 for medical consultation due to disease or accident. The rescue doctor will consult, diagnose, and provide medical guidance and precautions for insurance claim. After consulting diagnosis and outpatient treatment, if the doctor confirms that further hospitalization is required, the insured can apply for advanced payment of medical expense 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
Telephone number for claim consultation and reporting: 4008105119 EXT 1. You can call 010-67185217 in the areas without telephone number beginning with 400.
You cannot get compensated without reporting through the 400 call or following the standard procedures.
More information about the insurance please visit the official website www.lxbx.net
