According to the Ministry of Education of China, all international students must purchase medical insurance before they register. Currently, the Ministry of Education or Central South University purchases medical insurance for all students.  Comprehensive insurance fees of international students studying in China are charged in accordance with the national policy, and the duration of insurance is from August 25 of the year of purchase to August 24 of the following year.

I. Reimbursement Regulations

1. Reimbursement Regulations of Outpatient Expense

The minimum sum of expense for reimbursement is 650 yuan, and 85% of the extra amount over 650 can be refunded. Note that the highest amount that can be reimbursed per day is 600 yuan; and the medical records must match the date on the receipts.

An example: Steve went to the local public hospital during the insured period and spent 900 yuan on February 1, 400 yuan on May 3, and 700 yuan on July 15. And his reimbursement is calculated as follows:

{（600+400+600）-650}*85%=807.50 yuan

2. Reimbursement Regulations of Hospitalization Expenses

Only hospitalization expenses covered by medical insurance can be reimbursed. The amount spent at the students’ own expense and foreign wards cannot get reimbursement. If you want more information, please call the insurance company at 4008105119, extension 1.

Students are encouraged to handle the hospital procedures on their own, and then make arrangements for the bed, ask for the bank account of the hospital and the contacts of the doctor and the nurse station. Remember to call the insurance company (Beijing Universal Medical Agency) at 400-6506119 within 24 hours of admission into the hospital and ask for help before accepting treatment. If you have troubles with the hospital procedures, please contact the International Student Office immediately.

3. The following conditions are not covered by insurance, and related expenses should be paid by students themselves.

a. Injuries and disorders resulting from fighting and brawling, suicide attempt, deliberate self-harm, alcohol abuse, traffic offenses and drug abuse, etc.

b. Fees from registration, transportation, consultation and usage of disposable items (such as disposable injectors), etc.

c. All congenital diseases, orthopaedic surgery, beauty treatments, dental cleaning, dental inlay, getting new glasses, all kinds of health care treatment, pre-school diseases, etc.

d. Cost of pregnancy, abortion or delivery;

e. Drunk driving, driving without driving license and driving vehicles without valid vehicle license;

f. Medical expenses incurred outside the mainland of China;

g. Other non-settlement of claims agreed in the insurance contract.

Ⅱ. Reimbursement procedure

Students can contact the insurance company and prepare their passports, medical records, original and photocopies of invoices, hospital diagnosis certificates, hospital admission and discharge records

Ⅲ. Time of reimbursement

In accordance with the requirements of the insurance company, the time of outpatient invoice reimbursement settlement is from August 25 to August 24 of the following year. The time for outpatient invoice claims is depending on the notice of the insurance company.

Ⅳ. Where to see a doctor?

1. Public hospital

International students should go to public hospitals for medical treatment while at school, and the cost of medical treatment in private hospitals will not be able to be claimed by insurance. The public hospitals in Changsha include:

(1)Changsha No.1 Hospital

Address: No.311, Yingpan Road, Kaifu District, Changsha

(2)Changsha Second Hospital

Address: No. 1, Changchun Lane, Kaifu District, Changsha

(3)Changsha Third Hospital

Address: No. 176, Labour West Road, Changsha

(4)Changsha Fourth Hospital

Address: No. 70, Lushan Road, Yuelu District, Changsha

(5)Changsha Central Hospital (former Changsha Fifth Hospital)

Address: (Headquarters) No.161, Shaoshan South Road, Changsha

(6) Changsha Sixth Hospital (Changsha Infectious Diseases Hospital)

Address: No. 34, Shuixutang, Liucheng bridge, Changsha

(7)Changsha Traditional Chinese Medicine Hospital (Changsha Eighth Hospital)

Address: (South Hospital District) No.542, Shuyuan Road, Tianxin District, Changsha City

(8)Xiangya Hospital of Central South University

Address: 87 Xiangya Road, Kaifu District, Changsha

(9)The Second Xiangya Hospital of Central South University

Address: 139 Renmin Middle Road, Furong District, Changsha

(10) The Third Xiangya Hospital of Central South University

Address: 138 Tongzipo Road, Yuelu District, Changsha

(11)Xiangya Stomatological Hospital of Central South University (Xiangya School of Stomatology)

Address: 72 Xingya Road, Kaifu District, Changsha

(12)Hunan Chest Hospital

Address: 519 Xianjiahu Road, Yuelu District, Changsha

(13)Hunan Provincial People’s Hospital

Address: 61 Jiefang West Road, Changsha

(14)The Second People’s Hospital of Hunan Province

Address: 427 Third Section of Furong Road (Tu Jiachong), Changsha

(15)Changsha Psychiatric Hospital

Address: 62 Xiangzhang Road, Yuhua District, Changsha

(16)Changsha Hospital of Maternal&Child Health Care

Address: 416 Chengnan East Road, Yuhua District, Changsha

(17)Hunan Provincial Maternal and Child Health Care Hospital

Address: 53 Xiangchun Road, Kaifu District, Changsha

Note: International students are required to bring their own passports to hospitals. International students will not be reimbursed if they are treated in branches of public hospitals, foreign guest wards, VIP wards, charter rooms, single rooms, wards for patients with special needs and wards for high-ranking government officials or other similar wards or rooms.

2. Staff Hospital of Central South University

Due to the fact that patients in public hospitals are overcrowded, it is suggested that international students firstly go to the Staff Hospital of Central South University, and then transfer to the above public hospitals if necessary.

Contact numbers of departments in the Staff Hospital of Central South University

Inpatient department in the Main campus (near Yunlu Hotel)	88876541
Outpatient department in the Main campus(near Yunlu  Hotel)	88876538
The Staff Hospital in the Xiangya Campus	82355146
The Staff Hospital in the South Campus (Shenghua  Students Apartment)	88837524
The Staff Hospital in the Railway Campus	82655264
The First-aid medical centre in the New Campus	88877078
The medical centre in the South campus (Shenghua Students Apartment)	88877039

All rights reserved to the insurance company, see the website in http://www.lxbx.net/.

Attachment 1 Reimbursement and Non-reimbursement Items in Dental Expense---Insurance

About the insurance reimbursement request:

To enjoy dental expenses reimbursement, you have to go to the public hospitals, make sure the diagnosis and treatment details are consistent with the total amount of invoice, and provide complete medical records. In addition, whether the cost of dental care can be reimbursed or not is depending on the treatment program and the materials used.

General non-reimbursement items:

1.Denture: ordinary denture, such as there are tooth No.1, 2and 3, among which the second tooth is pulled out for some reasons. Make dental caps (3 porcelain crowns) for the three teeth, put them on 1st and 3rd respectively, and then the second tooth is fixed too. But the premise is that tooth No. 1 and 3 must be worn off a thick layer for the crown. The advantage of this method is that it is cheaper than dental implant, and the disadvantage is that the two good teeth No.1 and 3 are damaged.

2.Dental implant: As mentioned above, among the tooth No.1, 2 and 3, the second tooth is pulled out for some reasons. Dental implant is to implant a nail into the alveolar bone on the location of tooth No.2, and then an independent porcelain crown is implanted on the head of the nail. The advantage of this method is that it has nothing to do with the adjacent teeth, but it is relatively expensive.

3.Denture restoration: including the post crown, dental crown, complete denture, partial denture etc.

4.Orthodontics: Orthodontic treatment is needed due to irregular teeth.

5.Repair: The use of imported high-end materials cannot be reimbursed generally, but the use of ordinary materials can be reimbursed.

6.Stained tooth treatment and other esthetic dentistry items.

7.Simple teeth wash, or when the teeth wash is required for the treatment, the costs involved in esthetic dentistry.

Reimbursement items:

1.Tooth extraction;

2.Tooth filling: including ordinary materials and treatment fees.

3.Oral hemostasis, periodontal disease, pulpitis, periapical periodontitis, root canal therapy, toothache and other disease treatment costs

General reimbursement ratio and form (general departments of public hospitals):

Outpatient for disease: There is a daily limit of 600 yuan (the cost within the daily limit after deduction of the expenses paid by oneself); there is a minimum charge, and the payout ratio is 85%. That is (the total amount within daily limit-minimum charge)*85%= Reimbursement amount.

Attachment 2   Three Issues in Insurance Application for Hospitalization Advance Payment