常见问题

  Q1:I received a red card for insurance from my teacher. What is it for?

  A1:The function of the service card is for reminding and contact and it does not have the function of direct payment.

  The purpose of this card is to remind the students to remember their service card number as well as the telephone number on the service card (it would be best if the telephone number and the service card number are saved in your cell phone so as to avoid loss of service card).You could dial the telephone number on the service card before going to see a doctor or in urgent need of visiting a doctor. You should show your passport number or the service card number for consultancy and we will provide service to you 24 hours a day. You can continuously use this card until your graduation (it is of no need for you to change it).

   Q2:Where can I understand more detailed insurance instruction?

  A2:If you would like to know the specific information on the insurance you have purchased, such as the scope of the insurance duty, the materials for insurance claim settlement, or the address for posting the materials, you could log on the website www.lxbx.net to know more about the information related to the content of the insurance having been explained in ten languages in detail.

  Q3:Under which kind of condition is the claim of the insurance we bought unable to be settled?

  A3:Please log on www.lxbx.net ==> click【Instruction for Buying Insurance】so as to check the instruction for duty exemption in it. No accident incurred within the scope for exemption of duties could be claimed if the scope is specified to be unable to be reimbursed within the insurance duty.

  In addition, there are also some conditions when special fees could not be reimbursed, including getting the right lenses for one's eyeglasses, fees for having food in restaurants, taxi fees, buying anything in drug stores, and the things bought in instrument companies.

  Q4:Among the diseases listed by you, what are the types for out-patients?

  A4:The fees related to the following types are all within the scope for outpatient service or emergency treatment: common outpatient service, emergency treatment, outpatient operation, observed patient under emergency treatment, first aid in emergency treatment, those incurred by contagion in isolation period and having been proved by public hospitals or medical departments, and those incurred due to the same reason for being hospitalized before and after having been hospitalized.

  A simple method for determination: The invoice is for outpatient service.

  Q5:Why does the outpatient service charge me a beginning amount of RMB 650 or 2000? What does “the beginning amount” mean?

  A5:The beginning amount having been charged is also called as an amount having been exempted, and it is the beginning point for the fees having been claimed for the outpatient clinical duties to the insuree by the insurance company, but the amount for and below the beginning one should be paid by the insurees themselves.

  Q6:If I wish to be hospitalized in a public hospital, including living in a single room, Department of Foreign Patients, Wards for High Officials,     Wards for Patients in Special Needs, and suites, etc., could the fees also be claimed?

  A6:No. The fees to be claimed are only limited within the scope for medical insurance.

  Q7:If I have been hospitalized for many times, could the fees be claimed from the insurance company?

  A7:No matter how many times (one or more) the insuree has been claimed within the same insured periods, the company will also.

  Q8:Why is not all the fees for my outpatient service reimbursed? How had it been calculated?

  A8:It needs to deduct the beginning amount and the fees exceeding the daily limit of RMB 600. For specific regulation, please refer to Introduction of Insurance for Overseas Students -Insurance Duties-Article 4.

  Examples are shown as below:

  a. If you have paid an insurance fee at RMB 800 or RMB 400, then you have paid RMB 900 on February 1st, 2016, paid RMB 400 on May 3rd, and RMB 700 on July 15th (all the fees for clinical service are rational) due to being treated in a local public hospital within the insurance period.

  The formula for claim settlement: {(600 +400 +600)-650}*85%=807.50 (Unit: RMB Yuan)

  b. If you have paid an insurance fee at RMB 600 or RMB 300, then you have paid RMB 900 on February 1st, 2016, paid RMB 400 on May 3rd, RMB 700 on July 15th, and RMB 1200 Yuan on August 1st (all the fees for clinical service are rational) due to being treated in a local public hospital within the insurance period.

  The formula for claim settlement: {(600 +400 +600 +600)-2000}*85%=170 (Unit: RMB Yuan)

  Q9:What should I do for application for being reimbursed after receiving medical service?

  A9:First the type of the medical service should be confirmed to be outpatient one or having been hospitalized according to real conditions, and then materials for claim settlement should be prepared according to the following requirements:

  Materials for outpatient service and emergency treatment (materials for visiting doctors in outpatient service):

  1. The original receipts (invoices) for fees paid for outpatient service and emergency treatment (it would be enough to use a complete field from the name in the passport for the invoice; Chinese name could be for the Application/Entrustment in need of Chinese signature; but the public hospital – invoice for national tax – having official seals of the hospital and financial seals, and receipts for local fees should not be reimbursed);

  2. The record/case history for visiting a doctor in each outpatient service and emergency treatment (every time you should remember to remind the doctor to record your outpatient service and the date in an invoice for each visit should be corresponding to the one on case history);

  3. Examination List, Copy for Chemical Examination, or other supplementary materials;

  The above 1-3 are the materials having to be obtained when visiting doctors in hospital; so if you go to a hospital, you should remember to save these materials; and if you have finished being diagnosed and there is some item having been omitted, you need to go to the hospital to supplement these materials again, but no reimbursement would be realized if the invoice has been lost!

  4. Certificate for accidents (Materials must be supplied for this, stating when and why these accidents had, and you need to go to your school to get help for sealing. If it involves with traffic accident, then Traffic Accidents Report should be provided; and if it falls into a criminal case, the related certificate should be provided by public security departments.)

  5. The copies for the passport and the visa page of the overseas students in person (within valid periods);

  6. Information Form for the bank card within the territory of China of the overseas student in person (Conditions for obtaining this document: 1. The copy for the receipt of obtaining the account card from the bank; 2. Take your passport and bank card to the bank to find working staffs to print bank card information form. Correct account number, account name, and information on branch of the opening bank ).

  7. Application for claim/Entrustment (personal signature+seal from the office for overseas students), the formulate for which could be downloaded from our website  【模板下载】

 

  Materials for hospitalization (the materials for hospitalization should be provided);

  1. The original receipts (invoices) for hospitalization (the name on the invoice should be consistent with a field from the name in the passport; Chinese name could be for the Application/Entrustment in need of Chinese signature; but the public hospital – invoice for national tax – having official seals of the hospital and financial seals, and receipts for local fees should not be reimbursed);

  2. List for Total Hospitalization Fees (Total Details);

  3. Brief Summary for Hospitalization; Copy for Hospitalization Case (remember to request the doctor to provide for you);

  The above 1-3 are the materials having to be obtained when visiting doctors in hospital; so if you go to a hospital, you should remember to save these materials; but no reimbursement would be realized if the invoice has been lost!).

  4. Certificate for accidents (Materials must be supplied for this, stating when and why these accidents had, and you need to go to your school to get help for sealing. If it involves with traffic accident, then Traffic Accidents Report should be provided; and if it falls into a criminal case, the related certificate should be provided by public security departments.)

  5. The copies for the passport and the visa page of the overseas students in person (within valid periods);

  6. Information Form for the bank card within the territory of China of the overseas student in person (Conditions for obtaining this document: 1. The copy for the receipt of obtaining the account card from the bank; 2. Take your passport and bank card to the bank to find working staffs to print bank card information form. Correct account number, account name, and information on branch of the opening bank ).

  7. Application for claim/Entrustment (personal signature+seal from the office for overseas students), the formulate for which could be downloaded from our website 【模板下载】

 

  The prepared materials should be sent to the following address with courier:

  地址:北京市朝阳区东三环中路55号双子座B座303室

  收件人:来华项目理赔部

  电话: 4008105119转1键

  邮编: 100022

  We will deal with the materials as soon as we received them, and we will notify you of the result in about two weeks.

  Wish you have a successful medical visit and early recovery!

  Q10:Could I be reimbursed if I go to see a dentist in hospital?

  A10:The normal fees for treatment (except for those should be paid by oneself) received in ordinary department in public hospital could be reimbursed according to the corresponding requirements on insurance, but the fees for insert artificial teeth or implantation of teeth within the period should not be refunded.

  Reminder: Identically, you should provide case history record for every time of your visiting medical institutions. Please do remember this.

  Q11:Could it be reimbursed for females due to pregnancy, gestation, or abortion?

  A11:No. Pregnancy, gestation, or abortion is the exclusions for insurance.

  Q12:How could I supplement the case record for outpatient service or emergency treatment if I forget to have a doctor to do so?

  A12:Please bring your original passport as well as the original invoice and other related medical documents issued to you by the hospital you go to for that time to the department for the outpatient service or emergency treatment we received in that hospital and find the doctor to write up the records for you. Please be noted that the date for receiving medical service recorded in this case history for outpatient service or emergency treatment must be identical to the one on the corresponding invoice; and you could also go to the Guiding Desk to ask for help whenever you have difficulties after having arrived a hospital.

  Q13:What should I do if I wish to apply for the medical fees to be prepaid because the doctor wishes to hospitalize me?

  A13:You must first dial 4008105119-1 to consultation for pre-hospitalization before visiting a doctor.

  Conditions to be noted:

  1. If you apply to be prepaid by us, you must go to a hospital in our network. If you can not confirm which hospital is in our network, please log on www.lxbx.net for reference.

  2. Hospitalization must be conducted on ordinary bed able to be reimbursed by ordinary department medical insurance in a hospital. The following conditions in a hospital could not be reimbursed or prepaid: all the fees incurred due to special needs, VIP, Department for Medical Plastic Surgery, Recovery Department, Ward for Officials, Single Room, and false hospitalization.

  3. Hospitalization is not permitted unless conditions for it have been met. The medical fees will not be reimbursed if they are only applied by the patients themselves or hospitalization is conducted without conditions having been satisfied.

  4. Upon hospitalization, the patient has to specify to the doctor that all the fees for medical treatment must be incurred to the items within the local medical insurance. The fees incurred to be paid by oneself partly or completely are not within the scope of insurance, which must be borne by the person himself.

  5. The disease for which you go to a hospital must meet the conditions for reimbursement (Refer to the detailed instruction on internet for detailed explanation to insurance duties and exclusions).

  6. Issues to be noted for prepaid:

   The name for hospitalization must be consistent to a certain field of the name on you passport. If you find there is inconsistency, you should go to the Department of Hospitalization/Discharging for changing so as not to affect our prepayment or later claim settlement. If you are hospitalized with your Chinese name, then this name must also be marked in the insurance policy or Application for Insurance Claim Settlement;

   You must notify 4008105119-1 as soon as possible after you finish all the procedures for being hospitalized and arrive at the department so as to receive our service of prepayment for you;

   If we have prepaid the medical fees for you, you need to submit you Brief Summary for Discharging, Certificate for Diagnosis, List for Total Fees, and the original invoice to us upon your being discharged from the hospital.

 

Question on application for insurance

  Q1: I wish to buy insurance for overseas students to China, so would you please tell me what I should do to buy them?

  A1:You need to finish procedures through your school and let your teachers to contact us.

  Q2: Can I also buy this kind of insurance for my family members?

  A2:No.

  You can telephone 400 810 5119 - 2, so you can buy other insurance products, but they are different from the one for you in content.

  Q3: If problem arises when I buy your insurance on the internet, then what should I do?

  A3: Please dial 4008105119-4, so our staffs could check the questions and solutions for you through our system. This telephone number is available on working days when it will be received by our staffs.