Instructions for Medical Insurance for International Students in Shandong University

According to the regulations of the Ministry of Education of the People's Republic of China and those of Shandong University, all international students of SDU are required to purchase the Comprehensive medical insurance in mainland China (hereinafter referred to as the medical insurance). Medical insurance will be purchased by the CSC for CSC full-time scholarship students’ and the remaining students are required to pay by themselves, otherwise SDU will not allow enrollment. International students who purchase medical insurance can enjoy the related claims service after illness, injury or hospitalization; otherwise they will pay the full medical expenses.

1. How to buy medical insurance?

(1) CSC full scholarship students

After enrollment, CSC full scholarship students’ insurance will be bought by the CSC unified once confirmed by SDU.

(2) The rest of the international students

The rests of the international students are required to purchase insurance at their own expenses follows:

1) By credit card (China UnionPay cards only)

Address: Finance Office (Room 2239, International Student Apartment Building, Central Campus)

Required documents: Photocopy of passport

2) Online purchase

Website: http://istudent.sdu.edu.cn

Please use IE or GOOGLE browser. China UnionPay cards and foreign cards i.e. VISAMASTER, JCB and AE card, are accessible.

Premium: RMB 400 / half year or RMB 800 / year

After completing one of the above mentioned steps, please visit the following website: http://istudent.sdu.edu.cnto check the insurance policy.

If purchased by credit card, it will be checked within two weeks; if purchased online, it can be checked immediately.

2.What is included in the medical insurance?

(1)Out-patient treatment

In accordance with the provisions of the social medical insurance department of Shandong Province, in case the amount exceeds 650 RMB, the exceeding part will be paid by the medical insurance payments in the proportion of 85%, as long as it is an allowable, necessary and reasonable medical expenses, and the daily cost of outpatient shall not be over 600 RMB. As to the cost of health care drugs, cosmetic correction, physical examination, and getting the right lenses for one's eyeglasses and other non-category treatment can not be reimbursed.

In the event of a serious illness or chronic illness before this insurance is paid, the insurance company shall not be liable for the payment of insurance premiums.

(2) Accidental injury

If the medical expenses incurred by an international student who is treated in outpatient treatment or accident, the medical expenses will be paid in accordance with the medical expenses that may be reimbursed by the local social medical insurance department within 180 days from the date of the accident.

(3)Hospitalization

International students who have been diagnosed by the hospital to be hospitalized for accidental injury or illness, the reasonable inpatient medical expenses will be paid in the proportion of 100%.

The insurance company shall not be liable for the payment of the insurance benefit if the student has a serious illness or chronic disease before the insurance is effected.

(4)Death / disability

International students in SDU will accrue death benefit or accident benefit to death or accidental disability.

Notes: Please refer to http://www.lxbx.net/ for details of insurance liability and liability exemption.

3.Where to see a doctor?

(1)Public hospitals

If international students in SDU need treatment, please go to the public hospital for treatment. The reason is that treatment in private hospitals can not obtain insurance claims. The main public hospitals in Jinan include:

1) Jinan Central Hospital

Address: 105 Jiefang Road, Lixia District, Jinan, Shandong Province, China

2) Qilu Hospital of Shandong University

Address: 107 West Culture Road, Jinan, Shandong Province, China.  Post Code: 250012

3) Shandong Provincial Hospital

Address: General Hospital: 324 Jingwuweiqi Road, Jinan, Shandong Province, China.  Post Code:250021

Eastern Hospital

Address: 9677Aoti middle Road, Lixia District, Jinan, Shandong Province, China Post Code: 250014

4) Shandong Province Qianfoshan Hospital

Address: 16766 Jingshi Road, Lixia District, Jinan, Shandong Province, China  Post Code: 250000

5) Affiliated Hospital of Shandong University of Traditional Chinese Medicine

Address: No.42 Culture West Road, Lixia District, Jinan, Shandong Province, China

6) The Second Hospital of Shandong University

Address: 247 Beiyuan Street, Jinan, Shandong Province, China

Notes: International students must bring their passport when they go to the hospital. International students will not be reimbursed if they are treated in the ward of the public hospital's branch, that is, the foreign patient's ward, VIP ward, private room, single room, special diagnosis ward, or wards of the same level.

(2) Shandong University Hospital

It is suggested that you first visit the Shandong University Hospital if you are not seriously ill  because public hospitals in Jinan are generally overcrowded with patients. If necessary, you can transfer to the above-mentioned public hospitals.

Shandong University School Hospital:

1) Central Campus Address: No.91 Shanda North Road, Lixia District, Jinan

2) Baotuquan Campus Address: West side of Student Apartments in the campus

3) Qianfoshan Campus Address: West side of the main building

4) Software College Campus Address: West side of the Library

5) Xinglongshan Campus Address: West side of the Teaching Building, and north of Nanshan Neighbourhood

Notes:

Hospital emergency medical treatment and accidental injury shall first be paid by the international students themselves, and then claim for insurance company according to the requirements after; if hospitalization is needed, he or she shall apply for hospitalization, by calling 4008105119 and transferring to 1.  The photocopy of the passport main page and scanned copy of the admission notice shall be sent to the email of insurance @ sdu.edu.cn. If they are in accordance with the claim requirements, you will be provided with the appropriate medical, hospital counseling and medical expenses advance or guarantee services.

4.How to obtain insurance claims?

(1) After the end of the treatment, please prepare the required compensation materials, as follows:

Materials   required

Application

item

Photocopy of   passport and visa page

Original hospital   invoice

A copy of the   medical record (the date of each visit case corresponds to the invoice date)

Cost

Details

Accident   certificate (issued by sdu)

Discharge summary   or hospitalized copy

Copy of passbook   or Credit card customer information form

Issuer

in person

in person

in person

in person

by SDU

in person

in person

AMR(accidental outpatient)

Yes

Yes

Yes

No

Yes

No

Yes

Disease   outpatient

Yes

Yes

Yes

No

No

No

Yes

Hospitalization (   for accident )

Yes

Yes

No

Yes

Yes

Yes

Yes

Hospitalization (   for illness )

Yes

Yes

No

Yes

Yes

Yes

Notes:

1) The Accident certificate shall be written by the student himself or herself, and submitted to the school to be audited. After signed and sealed by the head of his or her school, it shall be handed to the International Student Office. After which an accident certificate will be issued within two working days.

2) Bank account information includes account number, account name and bank information.

(2) Claim materials sent to:

Room 303, Block B, Gemini, 55 East Third Ring Road, Chaoyang District, Beijing, 100022, PR China.

To: China Project Claims Department Tel: 4008105119 transfer1

Recommended Express:

SF Express: 95338    YTO Express: 95554

STO Express: 95543   ZTO Express: 400-827-0270

(3)Access to claims

If the claim conditions are met, the insurance company will transfer the claim money to the bank account provided by the student within two weeks after the claim material is received. If it has not been received, please call4008105119 and transfer 1.