|Chinese Language Student
Studying in a foreign country, safety is also an important thing that you need to pay attention to. In order to avoid some unnecessary troubles in your period of studying, you may need to know some thing about the medical insurance for foreign students in China.
There are many insurance companies in China which can offer several types of insurance and benefit plan for people coming to China. For foreign students, there are about 6 types of medical insurance service.
During the period of insurance, the insurance company will undertake the following insurance liabilities referring to medical insurance.
I.Loss of Life Insurance
If the insured dies of dies of any accidental injury or disease during the period of insurance, the insurance company will pay the stipulated amount of insurance compensation.
If the Insured suffers from any accidental injury which results in any disability within 180 days since the occurrence of the accidental injury, the insurance company shall be liable for the agreed amount of insurance multiplying the proportion stipulated in the Proportion Table between the Degree of Disability and the Payment
This company shall respectively pay the insurance compensation for accidental disability in accordance with the stipulations no matter the Insured suffers from accidental injury for once or several times, however the accumulative payment hereto shall not exceed the stipulated amount of insurance.
Ⅲ. Accidental Injury Medical Treatment Insurance
If the Insured receives any medical treatment within 180 days since the occurrence of the accidental injury, the insurance company shall be liable for the actual and reasonable expenses for medical treatment; however the accumulative payment shall not exceed the stipulated amount of insurance.
Ⅳ.Hospitalization Medical Insurance
If the Insured must be hospitalized through diagnosis for any accidental injury or disease, the insurance company shall be liable for the actual and reasonable expenses for medical treatment including nursing fee, bed fee, expenses for operation, medicine, treatment, laboratory test, radiation and examination, however the accumulative payment shall not exceed the stipulated.
Ⅴ.Group Major Medical Expenses Insurance
As for the reasonable and necessary expenses for the medical treatment here to occurred during the period of insurance as well as the expenses for hospitalization medical expenses, expenses for medicine, nursing fee, treatment, laboratory test and examination, special examination and treatment, ambulance and operation which is occurred during the period of insurance and extended into one month after the expiration of the insurance agreement, if the Insured is hospitalized for any disease or accidental injury, this company shall be liable for the amount of insurance compensation.