A: If you pay the premium before 16:30 of any working day, you may receive the scanned copies of Medical Service Assistance Card, Overseas Student Health Insurance Certificate, and the Invoice, etc. on the same day; after 3-5 working days, you will receive the original copies of the 3 above-metioned scanned documents together with original copies of the Policy Wording and Benefit Schedule. The above five parts constitute the contract, which is referred to as the Certificate.

A: Sure. We will recommend an appropriate insurance plan according to your needs and the requirements of the university as long as you qualify for the application.

A: Generally speaking, you need to provide Certificate, Medical Service Assistance Card and Benefit Schedule to waive the insurance recommended by university just. There are three ways to apply for the waiver: the first one is the email application by sending the basic insurance information and relevant materials to the designated mailbox of the university; the second one is online waiver application, to enter the student ID and password in the official website for application; the third one requires to bring the insurance materials, passport and I-20 to go to the relevant office of the university to apply for the waiver.

A: Sure. You can apply for the waiver if you do not would like to purchase the insurance recommended by the university; after the waiver application been approved, the premium will be refunded or deducted from the fees for the next semester. With regard to the waiver application, “OverseasHealth” will help you to apply.

A:If the students buy two insurances at the same time, when medical treatment occurs, the hospital will take the insurance card provided by the student as the first party responsible for paying the compensation according to the agreement. The other insurance company will act as the second indemnity liable party and make the second indemnity for the part not paid by the first insurance company as agreed.

A: Our biggest advantage is our service, which cannot be compared with other overseas insurance. Of course the reimbursed rate is very important when students goes for a medical treatment abroad. But what to do if something goes wrong? Who can help the students? This is the most critical thing. We provide 7/24 bilingual customer service in both Chinese and English. If there’s a problem, the students can contact us at any time, and we will try our best to help them in the very first time. We will communicate the students about the situation they had and will recommend them the medical center, registered doctors, emergency centers, help them to check and make an appointment, so the students can go directly to the doctors. If there’s any problem, the students can contact us at any time. We will help the students to communicate with the medical center to ensure that everything goes smoothly, and resolve the communication barriers between the students and doctors from the professional angle.

A: This insurance reflects the following values with high cost performance:
1) Due to the insufficient supplementary insurance, the local medical insurance basically does not bear the medical expenses for sickness and accidental injury during the period of returning China and leaving China, nor the economic losses caused by the interruption of study. Moreover, due to the different medical insurance plans, there will be different copayments, max. benefits and compensation items. This insurance can be used for the extension of insurance liability and supplementary compensation of expenses.
2) Increase professional services, overseas students have little social experience, are generally not familiar with the local medical environment, and have difficulty in language communication. When they leave the school, the problem is particularly prominent. Through cooperation with local professional medical service institutions, such as American United Health Care (the world's largest health insurance and medical management institution), this insurance can provide professional medical consultation, medical arrangement assistance and even we also provide many consulting services related to study abroad, residence, travel, visa and so on.
3) Mother tongue intimate customer service, different from the local medical insurance, in addition to the local language, the mother tongue is also used for students to communicate with their parents in China and provide relevant services, and regularly feed back the health status of students. Especially in the recent epidemic situation, the social security and commercial insurance policies of overseas countries have changed from time to time, and it is not easy to judge whether the insurance coverage purchased is sufficient. This insurance can provide stable and reliable guarantee for overseas students with clear policy terms, so that parents and students can feel at ease.