According to the regulations set by the Ministry of Education of China, all international students are required to purchase a comprehensive health insurance plan during the period of their study in China. All self-financing international students and scholarship recipients (unless otherwise stated in their scholarship policy) must purchase medical insurance at their own expenses. Students are allowed to complete their registration procedures only after they have paid the insurance premium.
Insurance Premium:
400 yuan for one semester
800 yuan for one year
Insurance Duration
6+ months: Must purchase comprehensive insurance.
<6 months: Follow school requirements.
Insurance Coverage:
According to the rules of China Ping An Insurance Company, the plan mainly covers:
Accidental injury
Inpatient services
Students who have purchased the insurance can submit claims through their university's International Student Office (or relevant administrative department).
In addition, the insurance conditionally covers outpatient services:
Daily limit: 600 yuan
Starting line (deductible): 650 yuan
Reimbursement rate: 85 percent of the amount exceeding 650 yuan
Expenses below 650 yuan are not reimbursed until the cumulative total reaches this threshold.
Insurance reimbursement claims
1. Materials required for filing a claim:
A. Outpatient (in the case of accident):
Documents required: Copy of passport and visa page, original receipt, medical record (dates of each treatment and diagnosis should match dates on the receipts), accident report and copy of bankbook or customer information form for bank card holders.
B. Outpatient (in the case of illness):
Documents required: Copy of passport and visa page, original receipt, medical record (dates of each treatment and diagnosis should match dates on the receipts) and copy of bankbook or customer information form for bank card holders.
C. Inpatient (in the case of accident):
Documents required: Copy of passport and visa page, original receipt, itemized bill, accident report, copy of hospital discharge summary or inpatient medical record and copy of bankbook or customer information form for bank card holders.
D. Inpatient (in the case of illness):
Documents required: Copy of passport and visa page, original receipt, itemized bill, copy of hospital discharge summary or inpatient medical record and copy of bankbook or customer information form for bank card holders.
2. How to submit documents
A. Via university arrangements
Some universities invite insurance company representatives on campus to collect claims. For example, the school may organize a monthly session at the campus. Please check with your university's International Students Office for details.
B. Send directly to the insurance company
Students can also mail claim documents directly to the insurance company.
Important notes
Before receiving medical treatment, call 400-810-5119 (ext. 1) to confirm service coverage.
Accident-related certificates (e.g. traffic accident report) must be provided when relevant.
Ensure bank details are accurate: name, account number, and branch.
Coverage only applies to public hospitals in the Chinese mainland (excludes Hong Kong, Macao, Taiwan).
Private/VIP wards are not covered.
Example cases:
Case 1: Accidental injury
Student A purchased an insurance product for 800 yuan per year. He suffered an accidental injury during a football match and went to the hospital, paying the medical fees himself initially. After recovery, he submitted all the receipts, invoices, and relevant documents to the International Students Office (or relevant department). The office then assisted him in making a claim to the insurance company, and he was reimbursed for all his expenses.
Case 2: Inpatient care
Student B purchased the same insurance product for 800 yuan per year. He was hospitalized for pneumonia. After recovery, he submitted all the receipts, invoices, and relevant documents to the International Students Office (or relevant department). The office then helped him to claim all his expenses from the insurance company, and he was reimbursed in full.
Case 3: Outpatient visits
A student spent 500 yuan on a hospital visit, which was below the 650 yuan deductible. Later, they spent another 400 yuan. Since the total (900 yuan) exceeded the 650 yuan threshold, the student received reimbursement of 212.5 yuan (<900 - 650> x 85%).
Student C purchased the insurance product for 800 yuan per year. He went to the hospital for treatment of a serious cold and paid 500 yuan himself for outpatient services and medicine. Since this amount was below the 650 yuan deductible, the International Students Office advised him to keep the receipts until the cumulative total reaches the threshold.
Some weeks later, Student C visited the hospital again for a headache and paid another 400 yuan. The two visits together amounted to 900 yuan, which exceeded the 650 yuan starting line. The office then submitted the claim on his behalf, and he received reimbursement of 212.5 yuan, which is 85 percent of the amount exceeding 650 yuan (i.e., 85 percent of 250 yuan).
Emergency pre-payment for serious cases:
If a student is seriously ill or injured and unable to pay large treatment fees (e.g., 8,000–10,000 yuan) in advance, they may apply for direct pre-payment by the insurance company.
Procedures:
1. Call the 24-hour service hotline of Lianhua Guoji:
400-810-5119
010-67185217
2.Inform the university's International Student Office (or relevant office).
3. The office will send the student's passport information and authorization letter to the insurance company.
4. The insurance company will contact the hospital directly to arrange payment.
Looking for a hospital covered by your medical insurance in your city?
Visit this helpful website:
https://en.lxbx.net/claims?id=SlFJV0wzNHM2V0dDKzBBPQ%253D%253D
You can easily search by selecting your current province or by entering the name of a specific hospital. The website will provide you with detailed contact information for each hospital, including its full address and hotlines. This tool makes it easier for you to find medical facilities that accept your insurance!
Detailed insurance obligations, claims procedures, and related information are available in English on the official website: https://en.lxbx.net/.
A 24-hour service hotline is also available: 400-810-5119 (extension 1) or 010-67185217.
This platform allows you to explore available insurance products, complete purchases online, and manage claims conveniently.
Please note: While this website is a key information source, always remember to:
Review policy details carefully: Understand coverage limits, exclusions, and claim procedures.
Search assistance: If you encounter any issues or have questions, customer support is available to help.
Insurance must be purchased even if you have coverage from your home country.
Renew insurance on time to avoid claim issues.
Update insurance info if your passport changes.
