医疗与保险/Health Insurance

我校采用团体投保的方式，保险品种为“平安养老保险股份有限公司来华人员综合保险保障计划”，包含身故保险责任和意外残疾责任保险金额人民币100000 元，意外伤害医疗保险金额人民币20000元和住院医疗保险金额人民币400000元。自费学生需在交纳学费的同时交纳保险费，费率为人民币160元/人每月，人民币400元/人半年，或者是人民币800元/人年。

注：保险责任详情与责任免除条款以保险公司提供的保险计划介绍为准。

保险责任所涉及的医疗机构仅限于中华人民共和国大陆境内的公立医院，但不包括公立医院的分院、外宾病区、特诊特需病区、特诊特需病房和高干病房等同类病区或病房发生的医疗费用；所发生医疗费用范围只限于符合当地社会基本医疗保险规定报销范围的项目和费用，自费和部分自付项目均不能报销。

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 (RMB 100,000), medical treatment for accidental injury insurance liability (RMB20,000) and hospitalization medical treatment insurance liability (RMB 400,000). The price is RMB 160 per person for one month, 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.

要点（Things you should pay attention to):

l  公立医院（public hospitals，not including ward area for foreigners etc. ）；

l  不涵盖医保外的自费项目（not including self-paid items beyond the range of basic medical insurance）；

l  医院发票姓名一定要写正确(get the name right on the receipt)

l  门诊发票日期要与病历日期一致（the date on the receipt should match the date on the medical record）

l  住院前打电话给保险公司确认，并立即通知留学生辅导员（call the insurance company before hospitalization, and then inform the Student Affairs Office)；

l  建议前往与保险公司合作的重庆市内的网络医院（co-operated hospitals recommended）

l  出院后需将以下文件交至学生办公室：a.病历，b.出院小结，c.发票原件，d.费用清单；自行垫付者还需提供护照信息和个人银行卡信息（to finish insurance procedures, one need to provide the following: a.病历(medical record)，b.出院小结(Discharge summary)，c.发票原件(Receipt)，d.费用清单(list of fees); those who paid by themselves should also provide a copy of passport and bank account）

Network Hospitals in Chongqing