来华留学生保险常见问题FAQs on Insurance for International Students in China

转载自微信公众号Splendid Future来华留学

一、政策依据：为什么必须购买？

Policy Basis: Why Is It Mandatory?

根据教育部、外交部、公安部联合发布的《学校招收和培养国际学生管理办法》（第42号令）以及《高等学校要求外国留学生购买保险暂行规定》，高等学校应当实施来华留学生的全员保险制度，确保来华留学生在学期间受到符合规定要求的保险保障。

According to the Measures for the Administration of Recruiting and Cultivating International Students by Schools (Order No. 42 of the Ministry of Education, Ministry of Foreign Affairs, and Ministry of Public Security) and the Interim Provisions on Requiring Foreign Students in Higher Education Institutions to Purchase Insurance, educational institutions are required to implement a comprehensive insurance system for all international students.

来华学习时间超过六个月（含一学期及以上）的留学生，必须在中国大陆购买“来华留学生综合保险” 。保险投保凭证是每学年学籍注册和居留许可办理的必备材料，未按规定完成投保将无法办理注册手续。

International students studying in China for more than six months (including one semester or longer) must purchase the "Comprehensive Medical Insurance for International Students in China" . The insurance purchase certificate is a mandatory document for annual student status registration and residence permit application. Students who fail to purchase insurance as required will not be eligible for registration.

不买保险的后果： 新生将不予录取或注册；在校生逾期未投保的，将面临退学处理。

Consequences of not purchasing insurance: New students will not be admitted or registered; enrolled students who fail to purchase insurance on time may face deregistration.

二、保险内容：保障什么？

Coverage: What Does It Include?

来华留学生综合保险通常包括以下几大保障责任：

The Comprehensive Medical Insurance for International Students typically covers the following:

1.身故/意外伤残 | Death/Accidental Disability

因意外事故或疾病身故或致残，保险公司按约定保额一次性给付保险金

Lump-sum payment of the agreed amount in case of death or disability due to accident or illness

2.住院医疗保险 | Inpatient Medical Insurance

因疾病或意外住院产生的费用，包括手术费、床位费、治疗费、药费等

Hospitalization costs due to illness or accidents, including surgery, accommodation, treatment, and medication

3.意外伤害医疗保险 | Accidental Injury Medical Insurance

因运动骨折、烫伤烧伤等突发意外伤害产生的门诊或住院治疗费用

Outpatient or inpatient treatment costs for sudden accidental injuries such as sports fractures, burns, and scalds

4.门诊、急诊疾病医疗 | Outpatient & Emergency Care

日常就医费用，如感冒、发烧、肠胃炎等常见病的检查、开药、输液等

Daily medical expenses for common illnesses like colds, fever, and gastritis, including examinations, prescriptions, and injections

部分保险方案还提供住院垫付服务、7×24小时中英文咨询热线、遗体遣送等善后处理服务。

Some insurance plans also offer inpatient cost-advance services, 24/7 bilingual service hotlines, and repatriation services.



三、费用标准：多少钱？

Premium: How Much Does It Cost?

目前，来华留学生综合保险的基础方案标准为：

- 800元人民币/年

- 400元人民币/半年

学生可根据自身需求自愿选择更高级别的保障方案。部分高校对保险方案进行了优化升级，费用可能略有不同（如1000元/年），具体以各校最新通知为准。

The standard premium for the basic Comprehensive Medical Insurance plan is:

- RMB 800 per year

- RMB 400 per half year

Students may voluntarily choose higher-level coverage plans based on their needs. Some universities have upgraded their insurance plans with slightly different premiums (e.g., RMB 1,000/year); please refer to your university's latest notices for details.

四、如何购买？

How to Purchase

购买渠道：唯一官方正规渠道为“留学保险网”或学校指定的官方投保平台。

Purchase Channels: The sole official and legitimate channel is the designated insurance website or the insurance platform officially appointed by your university.

购买注意事项：

- 切勿通过第三方代购、私链或不明链接购买，以免遭遇假保单导致无法理赔或影响入学。

- 购买前务必仔细核对护照号、姓名、学制等信息，确认无误后再支付保费

- 已在境外购买医疗保险的学生，仍须按学校要求购买中国大陆境内有效的综合医疗保险

- 建议在入境前完成保险购买手续

Important Reminders:

- Do not purchase through third-party agents, private links, or unknown web links. Using unofficial channels may result in receiving fake insurance policies, which could lead to claim denial or affect your enrollment.

- Double-check your passport number, full name, and length of schooling before paying the premium

- Students who have purchased medical insurance outside China are still required to purchase valid comprehensive medical insurance within the Chinese mainland as required by the university

- It is recommended to complete the insurance purchase before entering China

五、如何使用和理赔？

How to Use and Claim

就医流程：

1. 就医前拨打24小时中英文服务热线进行咨询

2. 前往中国大陆境内公立医院普通科室就诊

3. 妥善保管所有就诊资料（病历、发票、费用清单等）

Medical Treatment Process:

1. Call the 24/7 bilingual service hotline before visiting a hospital for guidance

2. Visit public hospitals' general departments within the Chinese mainland

3. Keep all medical records (medical records, invoices, expense lists, etc.) properly

理赔所需材料：

- 理赔申请书（学校盖章）

- 护照首页复印件

- 门诊或住院发票原件

- 门诊或住院病历

- 银行卡信息

- 意外事故证明（如适用）

Required Documents for Claims:

- Claim application form (stamped by the university)

- Copy of passport photo page

- Original outpatient or inpatient invoices

- Outpatient or inpatient medical records

- Bank card information

- Accident certificate (if applicable)

免责条款（不予赔付的情况）：

- 投保前已存在的既往症、先天性疾病、精神疾病、艾滋病等

- 整容、矫形、康复性治疗等费用

- 挂号费、膳食费、交通费等

- 在中国大陆以外地区发生的医疗费用

- 怀孕、流产或分娩

- 酒后驾驶、无照驾驶等违法行为导致的伤害

Exclusions (Non-Covered Items):

- Pre-existing conditions, congenital diseases, mental illnesses, HIV/AIDS, etc.

- Cosmetic surgery, orthopedic surgery, rehabilitation therapy

- Registration fees, meal fees, transportation fees, etc.

- Medical expenses incurred outside the Chinese mainland

- Pregnancy, miscarriage, or childbirth

- Injuries caused by drunk driving, unlicensed driving, or other illegal acts

来华留学生综合保险，是国家政策的刚性要求，更是每一位留学生人身安全与健康的重要保障。这份投入，换来的是全年无忧的医疗保障和远在万里之外家人的安心。

The Comprehensive Medical Insurance for International Students in China is both a mandatory national policy requirement and an essential safeguard for every international student's personal safety and health. This investment secures year-round, worry-free medical coverage for you, and peace of mind for your family thousands of miles away.