Study-in-China News

Must Read! Why Insurance Important for International Students!

Hello international students! Planning to study in China? Don’t forget about insurance—it’s not just for peace of mind but also a must-have for your student visa and school enrollment. Let’s go over what you need to know about health insurance for international students in China!

Why is Insurance Mandatory?

Under China’s regulations for international students, all enrolled students must have valid insurance—it’s a national and university requirement. No insurance? You risk admission denial (for new students) or even deregistration (for current students). To ensure a smooth study experience in China, coverage is non-negotiable!

What Insurance Do Universities Usually Require?

Most Chinese universities mandate enrollment in their designated group comprehensive insurance plan, which generally includes:

01
Accident Protection

 

INSURANCE GUIDE

Death/disability benefits for accidental cases.

0
2
Medical Coverage

 

INSURANCE GUIDE

Comprehensive protection including:

✓ Outpatient services

✓ Emergency care

✓ Hospitalization

✓ Accident-related medical expenses

03
Third-Party Liability

 

INSURANCE RESEARCH

Coverage for accidental injury or property damage caused to others

Tip: Insurance requirements vary by university—be sure to check with your school in advance!

Key Consideration When Selecting Insurance

 

01
Assess Your Needs

 

Prioritize coverage types: medical, accident, or property protection based on your situation.

 

 

02
Medical Coverage Details

 

Verify inclusion of:

✓ Routine doctor visits

✓ Hospitalization & surgery

✓ Prescription medications

 

 

03
Hospital Network

 

Important: Most university plans exclude:

✗ International hospitals

✗ Premium private facilities

Always confirm eligible hospitals

 

 

04

Financial Terms

 

• Maximum coverage limits

• Reimbursement percentage

• Deductible amounts

• Per-claim caps

 

 

05
Policy Timeline

 

Standard duration: 1 year

Mark your calendar for renewal to prevent coverage lapses

 

 

06
Exclusions

 

Carefully review non-covered items, especially:

✗ Pre-existing conditions

✗ High-risk activities

 

 

07 Claims Procedure

 

Understand:

• Required documentation

• Reporting timeline

• Processing period

Bonus: Choose providers offering emergency advance payments 

How to Purchase Insurance? 

Through Your University: Most schools partner with insurers or recommend specific plans. Confirm with the international student office and pay as instructed before registration.

Stay safe and enjoy your studies in China! Got questions? Please follow EDUPRCHINA.

 

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