国际学生保险须知
Insurance Information for International Students
根据国家有关规定及学校国际学生管理要求，来华学习的国际学生应按要求购买中国大陆境内有效的综合医疗保险。未按要求购买保险者，学校将不予办理注册手续。
In accordance with relevant national regulations and the university’s requirements for international student administration, international students studying in China shall purchase valid comprehensive medical insurance within the Chinese mainland as required. Students who fail to purchase the required insurance will not be registered by the university.
重要提示：具体保险责任、免责条款、费用标准、理赔材料、理赔流程及保险生效日期，以留学保险网、保险公司最新公布信息及学生本人保险凭证为准。
Important Notice: Insurance coverage, exclusions, fees, claim materials, claim procedures, and effective dates are subject to the latest information published on the insurance platform, the insurance company’s policy terms, and the student’s own insurance certificate.
1
保险办理 / Insurance Enrollment
1. 国际学生保险要求 / Insurance Requirement
根据国家有关规定及学校国际学生管理要求，来华学习的国际学生应按要求购买中国大陆境内有效的综合医疗保险。保险保障内容通常包括身故及意外伤残责任、住院医疗、意外医疗、门急诊医疗等。
International students studying in China shall purchase valid comprehensive medical insurance within the Chinese mainland as required. The insurance coverage generally includes death and accidental disability, inpatient medical treatment, accidental medical treatment, outpatient and emergency medical treatment, and other items specified in the policy.
未按要求购买保险者，学校将不予办理注册手续。
Students who fail to purchase the required insurance will not be registered by the university.
2. 国际学生保险购买办法 / How to Purchase Insurance
学生可根据当年报到安排，在集中报到现场办理投保手续，或登录留学保险网站自助购买保险并下载保险凭证。线上购买方式、支付方式及凭证下载方式，以留学保险网站实际页面为准。
Students may complete insurance enrollment at the registration site according to the university’s arrangements for the relevant year, or purchase insurance online through the designated insurance website and download the insurance certificate. Online purchase methods, payment methods, and certificate download procedures are subject to the actual instructions on the insurance website.
24小时中英文服务电话 / 24-hour Bilingual Service Hotline
400-810-5119
3. 已购买其他保险的国际学生 / Students Who Have Purchased Other Insurance
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。
Students who have purchased medical insurance outside the Chinese mainland are still required to purchase valid comprehensive medical insurance within the Chinese mainland as required by the university.
已在中国大陆境内购买符合学校要求的综合医疗保险的学生，应在报到注册时提交有效保险凭证，经学校审核确认后办理相关手续。
Students who have already purchased comprehensive medical insurance within the Chinese mainland that meets the university’s requirements shall submit valid insurance documentation during registration. The relevant procedures will be handled after university review and confirmation.
4. 保险费用 / Insurance Fees
目前基础保险方案通常为人民币800元/年、400元/半年。学生可根据自身情况自愿选择更高级别的保障方案。具体费用标准、保障责任、免责条款及产品说明，以留学保险网及保险公司最新公布信息为准。
The basic insurance plan is usually RMB 800 per year or RMB 400 per half year. Students may voluntarily choose a higher-level insurance plan according to their own needs. The specific fees, coverage, exclusions, and product details are subject to the latest information published on the insurance website and by the insurance company.
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保险服务 / Insurance Services
学生投保前应认真阅读《来华人员综合医疗保险保障计划简介》，了解保险责任、免责条款、就医范围、理赔材料及理赔流程。 Before purchasing insurance, students should carefully read the introduction to the Comprehensive Insurance Plan for Foreigners Staying in China and understand the coverage, exclusions, eligible medical institutions, claim materials, and claim procedures.
参保学生如身体不适，或需要就医指导、住院垫付服务、理赔说明等，可拨打24小时中英文服务电话：400-810-5119。 Insured students may call the 24-hour Chinese-English service hotline at 400-810-5119 for medical guidance, inpatient advance payment service, claim instructions, or other insurance-related support.
参保学生可通过留学保险网站或“来华留学生保险”微信公众号自助申请理赔，并按要求上传相关理赔材料。 Insured students may apply for claims through the insurance website or the “来华留学生保险” WeChat official account and upload claim materials as required.
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注意事项 / Notes
就医前建议拨打 400-810-5119 进行咨询，了解就医、住院垫付及理赔流程。如保险公司对部分情形有提前报备要求，应按照保险公司要求办理。 Before seeking medical treatment, students are advised to call 400-810-5119 to learn about medical treatment, inpatient advance payment, and claim procedures. If the insurance company requires prior reporting for certain situations, students shall follow the insurance company’s requirements.
先天性疾病、既往症、无照无证驾驶等通常属于保险免责范围，具体以保险条款为准。 Congenital diseases, pre-existing conditions, unlicensed driving, and similar circumstances are usually excluded from insurance coverage. The specific exclusions are subject to the insurance policy terms.
保险责任范围内的就医医院一般限于中国大陆境内公立医院普通科室。公立医院国际部、外宾病区、VIP病区、特需病区、特需病房、高干病房、康复中心、疗养院等产生的费用，通常不属于报销范围。具体以保险条款及保险公司解释为准。 Medical treatment covered by the insurance is generally limited to ordinary departments of public hospitals within the Chinese mainland. Expenses incurred in international departments, foreign guest wards, VIP wards, special-needs departments or wards, high-ranking official wards, rehabilitation centers, sanatoriums, and similar facilities are usually not covered. The specific scope is subject to the insurance policy terms and the insurance company’s interpretation.
根据就诊情况，如需缴纳部分住院押金，学生应先自行支付。治疗结束后，可按照保险公司要求申请报销保险责任范围内的治疗费用。 Depending on the medical treatment situation, students may be required to pay part of the inpatient deposit first. After treatment, students may apply for reimbursement of eligible medical expenses according to the insurance company’s requirements.
保险不包含自费项目。治疗过程中产生的自费费用，由学生本人承担。 Self-paid medical items are not covered by the insurance. Any self-paid expenses incurred during treatment shall be borne by the student.
我校国际学生团体保险生效日通常统一为8月25日和2月25日，不一定按照学生实际缴费时间计算。具体生效日期以当年学校通知及保险凭证显示为准。 The effective dates of the university’s group insurance for international students are usually August 25 and February 25. The effective date is not necessarily calculated based on the student’s actual payment date. The specific effective date is subject to the university’s notice for the relevant year and the date shown on the student’s insurance certificate.
