Notification of Alternative Insurance Products

Publisher:刘琪Published:2019-05-09Times :24

Dear International Students 留学生们:


We did a research on all the basic insurance products and student self-purchased alternative insurance products from Sep.2018 to Sep.2019 (detailed insurance liabilities and exemptions are not included)and found the current products of TaiKang, Allianz and Sunshine, as well as a 200/year plan of Jiangsu PingAn, do not meet the minimum requirements of MOE (the unqualified items are marked in RED). School of International Education hereby suggests students stop buying such products, at the time of your next purchase, otherwise it will affect the school registration and visa extension.

我们调查了从20189月到20199月,北京和江苏平安来华留学生团体险及我校留学生自购的各种中国境内保险公司产品(不包含保险责任等具体条款),发现泰康、安联、阳光的保险产品以及江苏平安的一款¥200/年产品并不符合教育部最低要求(不合规定项已用红字标出)。学校建议留学生续保时不要购买,否则将影响注册和延签证。


公司名Company

险种+保费Plan & Fees (Yuan/Year)

意外身故/伤残Accidental Death/Disability

意外医疗Accidental injury Treatment

住院In-patient

门急诊Outpatient Treatment (optional to MOE)

免赔额Deductible

是否符合教育部要求Meet minimum requirement of MOE?

北京平安Beijing PingAn (经纪公司为联华国际LianHua as broker

Package 800

100,000

20,000

400,000

20,000

650

Yes

Package 2800

500,000

100,000

800,000

20,000

No deductible

No Daily limit

Yes

江苏平安Jiangsu PingAn (经纪公司为新一站XYZ as broker)

Package 600

225,000

20,000

400,000

N/A

N/A

Yes

H5 19-25 200

80,000

10,000-20,000

500,0000

N/A

N/A

No

泰康人寿Taikang

新住院保综合险In-patience 249

100,000

3,000

20,000

N/A

N/A

No

安联Allianz

臻安心Zhenanxin-88

300,000

3,000

50/day

N/A

N/A

No

阳光保险Sunshine

In-patience 180

100,000

10,000

10,000

N/A

N/A

No


See the policy and minimum requirement for insurance products by the Ministry of Education

教育部规定以及最低赔额要求详见http://international.cpu.edu.cn/b8/92/c403a112786/page.htm


Products that do not meet the minimum requirement of MOE will still be legally effective until their expiration date as all Mainland Chinese insurance companies are founded under the supervision of China Insurance Inspection Association. Insurer may choose to cancel the plan and refund.

中国大陆所有保险公司受保监会监督,已购买、已核保的产品即使不符合教育部要求,法律上仍旧有效。被保险人可自行选择是否退保。


On the prerequisite of buying the basic insurance plan(s) acknowledged by MOE, we have no objection that student may buy commercial insurance that cover treatments unpaid by the basic insurance (such as dentistry, optics, birth, extreme sports, etc.)

在学生购买教育部规定的中国大陆保险公司基本险种的前提下,不反对学生自购境外商业险,用以理赔中国保险不涵盖的部分(如眼科、牙科、生育、极限运动等)。


School of International Education                                                                                        国际教育学院

2019-5-9