InternationalStudentsInsuranceServiceWechatPlatform（ScantheQRCodeandloginbyyourpassportnumber）
2.来华留学生保险服务平台（网址）
InternationalStudentsInsuranceServicePlatform(Website)
3.留学生保险24小时热线:400-810-5119转1
ServiceHotlineFor24Hours:400-810-5119transit1
5.
常见问题
FAQ(FrequentlyAskedQuestion)
留学生问：“起付线”是什么意思？保险公司答：也称免赔额，是保险公司对被保人门诊医疗责任理赔费用的计算起点，起付线以下的门诊费用由被保险人自己支付。
留学生问：如果我在公立医院住院，想住包房、外宾部、高干病房、特需病房，也可以进行理赔吗？保险公司答：不可以。
留学生问：如果我在保险期限内多次住院，保险公司也理赔吗？保险公司答：被保险人不论一次或多次住院治疗，本公司均在规定限额内给付保险金，分项累计给付金额达到其保险金额时（40万元人民币），该项保险责任终止。
留学生问：怎样领取理赔款？保险公司答：在资料提交时提交收款人帐户。1）帐户需为本人在中国大陆境内的帐户。2）如果是银行卡，需要在银行柜面打印账单明细或对账单，目的是获取正确的户名和开户分支行信息，保证转账准确性。
保险使用流程从不舒服开始-->致电4008105119转1键-->服务公司医生询诊、给出治疗建议门诊治疗:先学生支付，后期材料快递救援公司进行垫付报销住院治疗:病情确实需住院治疗（提交委托书及护照复印件，启用救援公司垫付）
门诊费用理算例以起付线650元为例：小A在保险期间内因病在当地的公立医院就诊，2014年2月1日花费900元，5月3日花费400元，7月15日花费700元（就诊费用均为合理费用）。理赔计算公式：{（600元+400元+600元）-650元}*85%=807.50元
S:WhatshouldIdowhenseeingthedoctorA:Rememberyourinsuranceservicephonenumber:incaseofasickness,youcancall400-810-5119ext.1,thenyoumaygetconsultingatanytime,andgetrighttreatmentandclaimsguidetoo.
S:whenImustpayinadvanceforhospitalexpenses,whatshouldIdoA:Beforeseeingadoctor,dial4008105119andthentransfer1,providethepassportnumberandservicecardnumberwhenbuyingtheinsurance.Ifconfirmedforin-patientbythecompany,theinsuredwillbehelpedtothenearesthospital(ortheInternethospitalrequiredbytheinsured),treatinhospitalandpaytherelevantin-patientexpensesinadvance.
S:WhatkindofdiseasesdoestheservicecoverA:Itcoversthecostsassociatedwithgeneraloutpatient,emergency,outpatientoperation,emergencyobservation,andemergencytreatmentarising;theexpensesresultingfromquarantinebecauseofinfectiousdiseasesprovidedbypublichospitalsorhealthandepidemicpreventiondepartmentsandtheexpensesbeforeandafterinhospital.
S:IfIgetsickandgotoseethedoctorfortheout-patienttreatment,willtheinsurancecompanypayforit(notaccidentalinsurance)A:Itisnecessarytodial4008105119andthentransfer1forthereportandinquiringdiagnosis.Ifreallyinneedoftreatment,thestudentscanpayinadvance,andthendeliverthematerialstothefollowingaddressforclaim.Acompensationcanonlybeavailableuponsuchcaseasconstitutingtheinsuranceliability,ornocompensationshallbeapplied.Payattentionwhileintreatmentperiod:1)thehospitalmustbethemainlandpublichospital.2)themedicalstandardcostswithinthescopeoftheproject,notincludingtheexcursioncosts.3)ineachperiodofinsurance,thedailylimittothemedicalexpensesis600yuan.Iftheaccumulatedamountcomesatmorethan2000yuan,theinsurerwillpay85%ofthetotal.4)thematerialsmustbecomplete:theoriginalinvoice,acopyofeachoutpatientmedicalrecord,expensedetails,thecopyofpassport,copyofbankaccount,theclaimforthepowerofattorney(downloadthesampleintheInternet).
S:Whatdoes“thepayline”meanA:Itisalsoknownasdeductibleamount,thestartingpointfortheinsurancecompanytopaytheoutpatientmedicalliabilityclaim.Theexpensesbelowthepaylineshallbepaidbytheinsured.
S:IfIstayinthepublichospital,andIwanttoliveinacharteredward,foreignward,seniorcadreward,andspecialward,canIstillgetclaimA:No,youcan’t.
S:IfIamin-patientformanytimesinthedurationofinsurance,shallthecompanycompensateA:Theinsurancecompanywillpaytheclaimsinthegivenlimitwhethertheinsuredbeinhospitalforonetimeorseveraltimes.Whentheaccumulativepaymentsarebeyondtheinsuranceamount(400,000yuan),thentheinsuranceliabilityends.
InsurancePolicyGuidelineInsurancePolicyGuidelineBeginfromthecomfortablefeeling-->dial4008105119andtransfer1-->diagnosisandtreatmentrecommendationsbythedoctorOutpatienttreatment:prepaymentbythestudents,couriercaseinformationtotherescuecompanyforrepaymentIn-patient:reallyinneedofhospitalization(submitapowerofattorneyandacopyofthepassport,enablingthecompanypaymentinadvance)
ThecasesofoutpatientexpensescalculationTakethepayline650yuanasanexample:Agottreatmentinalocalpublichospitalintheinsuranceperiod.OnFebruary1,2014,hespent900yuan;onMay3,400yuan;onJuly15,700yuan(medicalexpensesarereasonableexpenses).Thecalculationformulaofclaims:{(600yuan+400yuan+600yuan-650yuan}*85%=807.50yuan)