医院 Hospitals
1. 就医时请选择公立医院，普通科室。
Please go to Public Hospital, Normal Department.私立、合资医院、特需、国际门急诊、外宾病区、医疗整形美容科、康复科等情况发生的所有医疗费用均不能理赔报销。
Private and joint-venture hospitals, special needs, international outpatient and emergency department, foreign guests department, VIP department, medical plastic surgery and cosmetic department, rehabilitation department are not eligible for reimbursement.
2. 医疗费用只限于当地基本医疗保险可报销项目内的费用，自费和部分自费项目保险公司均不予报销。
The medical expenses are limited to the expenses within the reimbursable items of the local basic medical insurance, and self-paid and partial self-paid items will not be reimbursed.

发票、病历 Invoice & Medical Record
每次就诊时，请保管好有效发票原件（缴费凭条非发票，需要换取正式发票），并务必在就诊时提醒医生书写详细的就诊记录/病历。
Every time you go to hospital, please collect every valid original invoices(receipt or payment slip is not an invoice and needs to be exchanged for a formal invoice), and ask doctor to write medical records for you.

疾病门诊理赔规则介绍 Introduction to claims settlement rules
1. 日限额 600RMB：Daily Limitation 600RMB:
被保险人因疾病在门诊、急诊进行治疗所发生的合理且必要的医疗费用，在一个保险期间内，就诊日费用限额为 600 元（即：若当日医疗费用超日限额的只能按 600 元计算，当日医疗费用未超 600 元限额的按实际发生金额计算）释：日限额为每日就诊的最高费用限额。
The reasonable and necessary expenses incurred by the Insured for receiving outpatient or emergency medical treatment because of illness, within each insurance period, the daily limit for outpatient is RMB600yuan, (that said, for the medical expense of the day exceeding RMB 600 yuan shall be calculated as RMB600 yuan, for the medical expense of the day not exceeding RMB600 yuan shall be calculated by the actual amount) Notes: Daily limit: The top calculated limit of available medical cost.
2. 免赔额 650RMB & 被保险人自付比例 15%：Deductible 650RMB & Coinsurance 15%: 在日限额的基础上累计超过 650 元免赔额以上的部分按照 85%比例赔付，累计给付保险金额以 20000 元为限。当累计给付金额达到其保险金额时，对被保险人的该项保险责任终止。释：免赔额是本险种设置 650 元为免赔额（一个保险期间内累计扣一次 650 元），免赔额以下部分不予赔付。
For the medical expenses exceeding the starting line of RMB650 yuan, the remaining amount of the medical expenses exceeding the deductible RMB650 yuan on the basis of the daily limit will be reimbursed at a percentage of 85%, and the accumulative payment shall not exceed the limit of RMB20000 yuan. The insurance liability shall be terminated once the accumulative amount of payment reaches the sum insured. Notes: Deductible: RMB 650 yuan (A total of RMB650 yuan is
deducted accumulatively for one time during an insurance period). Below the starting line, there is no compensation.

3. 门急诊医疗费用包括：
Medical expenses of outpatient and emergency treatment:普通门诊、急诊、门诊手术、急诊留观、急诊抢救所产生的相关费用；由公立医院或卫生防疫部门提供证明的传染病因隔离期间所产生的相关费用；因与住院同一病因而产生的院前、院后的门诊费用等均归属于门急诊医疗责任范围内。即：如因发烧、突然腹痛、晕倒、身体某处炎症等等在门诊或急诊进行治疗的；
The related expenses incurred from normal outpatient treatment, emergency treatment, outpatient surgery, emergency observation, emergency rescue, isolation due to infectious diseases that is certified by the public hospital or department of public health and epidemic prevention, and expense or cost of outpatient and emergency treatment before and after hospitalization that arise from the same cause of disease are also deemed as outpatient and emergency treatment. For example, being treated in the outpatient or emergency for fever, sudden abdominal pain, faint, and inflammation etc.

4. 报销公式：Reimbursement equation:

(每天在日限额 600 元以内的费用相加-650 元)*85%=可报销费用（合理费用合计不含当地基本医疗保险规定的自费及部分自费费用）。(the expense of each day within the daily limit RMB600 yuan add up-650 yuan)* 85%=reimbursable amount (the total amount of reasonable expenditures shalexclude the self-paid or partial self-paid items and expenses stipulated by the local regulations of the basic medical insurance)
例如，7 月 1 日，您的花费是 800 元；7 月 2 日，您的花费是 600 元；7 月3 日您的花费是 200 元；元} * 85%= 637.5 元

（注：具体赔付多少需提交理赔文件进行审核后出结果。保存免赔额以下疾病门诊的全部医疗文件，超过免赔额后可申请理赔，理赔时须一并提交。）
For instance, you spent 800RMB on July 1st, 600RMB on July 2nd, 200RMB on July 3rd, then these expenses would be calculated as follows：

Calculation equation：{（600 yuan +600 yuan +200 yuan）- 650 yuan } * 85%=637.5 yuan
(Notes: The exact number of reimbursement result also depends on the materials you submitted. Keep all the medical documents of the outpatient for illness below the deductible. After the deductible is exceeded, all the documents can be submitted together to apply for claim.)

申请理赔所需提交资料清单 List of materials required for claim
1. 理赔申请书（需被保险人手写签字、院校盖章）
Reimbursement Application Form (Insured’s handwritten signature & school stamp are required.)
2. 被保险人证件首页复印件（购买保险时所用的证件）
Copy of the insured's ID（ID used to purchase insurance）
3. 所有有效发票原件
All valid original invoices
4. 所有病历（需提供每次就医病历）
All the medical records (Provide daily medical records.)
5. 银行账户信息（请携带身份证件和银行卡去银行打印客户信息表，该表内容需包括，准确的户名、卡号、银行名称）Bank account information (You are required to go to the bank with your ID and debit card, ask the staff there to print the account information for you. The information should include: account name, account number and sub-branch name.)
6. 联系方式（请写明您的联系电话和邮箱地址，并建议提供留学办公室或负责老师的联系电话。）
Contact Information (Please write your contact number and e-mail address on a piece of paper. You are also suggested to provide contact information of the International Students Office or phone number of your teacher.)