| 一、保险办理 | I. Insurance Scheme. |
| 1、国际学生保险要求 | 1. Insurance Requirements for International Students |
| 根据中国教育部相关规定，国际学生必须购买中国大陆境内的医疗保险。该保险包括身故及意外伤残责任、住院医疗、意外医疗及门急诊医疗等内容，具体保障责任及免除责任可详见《来华人员综合医疗保险保障计划简介》（www.lxbx.net）。对于没有购买所要求的医疗保险者，学校将不予办理注册手续。 | According to regulations of China's Ministry of Education, international students must purchase medical insurance valid within mainland China. This insurance covers death and accidental disability compensation, hospitalization, accident-related medical treatment, and outpatient/emergency care. For detailed coverage and exclusions, refer to the Introduction to Comprehensive Medical Insurance Plan for Foreigners in China (www.lxbx.net). Students without the required insurance will not be allowed to register. |
| 2、国际学生保险购买办法 | 2. How to Purchase Insurance |
| （1）学生在集中报到时现场缴纳保费，办理投保手续。 | (1) Students may pay premiums and complete insurance procedures on-site during centralized registration. |
| （2）学生也可登录留学保险网站（www.lxbx.net）自助购买保险，下载凭证，支持境外卡支付。 | (2) Students may also self-purchase insurance via the Study Abroad Insurance website (www.lxbx.net), download certificates, and pay using overseas bank cards. |
| 3、已购买保险的国际学生 | 3. International Students with Existing Insurance |
| 在本国已办理保险的，报到注册时仍需购买来华人员综合医疗保险；若已在我国大陆购买符合规定的保险，则须出示保单原件。 | International students with insurance purchased in their home countries must still buy the Comprehensive Medical Insurance for Foreigners staying in China during registration. Those who already possess compliant insurance purchased within mainland China must present the original policy document. |
| 4、保险费用 | 4. Insurance Premiums |
| 最低保障方案要求为800元方案（保费：800元/年、400元/半年），学生可以自愿选择更高级别的保障方案。具体说明详见《来华留学生多方案产品简表》。 | The premium of the insurance is 800 RMB for one year and 400 RMB for half a year. Please refer to the “Introduction to Comprehensive Medical Insurance and Protection Scheme for Foreigners Staying in China” for details.
The minimum required plan is the 800 RMB/year option (Premium: 800 RMB/year; 400 RMB/half-year). Students may voluntarily upgrade to higher-tier plans. For details, see the Brief List of Multi-Solution Products for International Students. |
| 二、保险服务 | II. Insurance Service. |
| 1、请认真阅读《来华人员综合医疗保险保障计划简介》，了解保险保障责任及免除责任，可登录留学保险网（www.lxbx.net/personal）查询。 | 1. Students are kindly requested to read through the “Introduction to Comprehensive Medical Insurance and Protection Scheme for Foreigners Staying in China” and know about the insurance coverage and liability exemption before buying the insurance. The details can be found on the website (www.lxbx.net/personal). |
| 2、参保学生如身体不适或需得到就医指导、住院垫付服务或理赔事宜说明等，可拨打24小时中英文服务电话：400-810-5119。 | 2. The service hotline is available for 24 hours: 400-810-5119 in case the student who buys the insurance suffers from some physical discomforts or is in need of medical guidance or hospitalization advances, or has some inquiries about compensation. |
| 3、参保学生可通过留学保险网站（www.lxbx.net）或“来华留学生保险”微信公众号自助申请理赔，拍照上传理赔材料。 | 3. Students who buy the insurance can take photos to upload claim materials and apply for claims through the website (www.lxbx.net) or WeChat official account "来华留学保险”. |
| 三、注意事项 | III. Notes. |
| 1、就医前务必拨打电话4008105119进行询诊。 | 1. Make sure to call 4008105119 in advance to make a diagnosis inquiry before seeing a doctor. |
| 2、先天性疾病、既往症、无照无证驾驶等属于保险的免除责任。 | 2. Congenital diseases, pre-existing diseases and driving without a license or permit are not covered by the Insurance. |
| 3、留学生保险对于就诊医院规定为：公立医院普通科室。 在公立医院的外宾病区、VIP病区、包房、A等病房、单间、特诊特需病区、特诊特需病房、高干病房、康复中心和疗养院等同类病区或病房接受治疗产生的费用，保险无法报销。 | 3. Insurance for international students covers treatment in public hospitals (excluding international department) and general departments. Treatment in private hospitals, special wards in public hospitals, wards for foreign patients, wards for senior officials, VIP wards and equivalence，is not covered. |
| 4、根据就诊情况，如需缴纳部分住院押金，学生先自行支付。治疗结束后，可申请报销保险责任范围内的治疗费用。 | 4. Depending on the circumstances of the visit, if partial hospitalization deposit is required, the student should make the payment first. Upon completion of the treatment, reimbursement of the costs of treatment covered by the insurance can be claimed. |
| 5、保险不包含自费项目，如在治疗过程中产生自费费用，需要学生自付。 | 5. The insurance does not cover out-of-pocket expenses. If out-of-pocket expenses incurred during treatment, the student will have to pay by themselves. |
| 6、保险生效日说明：我校留学生团体保险生效日统一为8月25日和2月25日，不是按照实际缴费时间计算。 | 6. Notice on the effective date of the insurance: insurance for international student group in the University comes into effects from 25th August or 25th February, other than the date of payment. |
