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Medical Insurance For Overseas Study
Basic Information
Age of Insured：
Country of Destination：
Period of Insurance：
27 Standard Plans
- Medical Benefits Coverage ￥3,400,000
- Hospitalization Benefits ￥3,400,000
- Outpatient/Emergency Benefits ￥68,000
- Specific Medical Benefits ￥499,800
- Coinsurance 70%
- Deductible ￥3,400
- Accidental Death and Dismemberment BenefitsCoverage ——
- Worldwide Emergency Assistance BenefitsCoverage ——
- Tuition Refund BenefitsCoverage ——
- Travel Inconvenience BenefitsCoverage ——
- Personal Liability BenefitsCoverage ——
- Accidental Death and Dismemberment BenefitsCoverage ￥680,000
- Worldwide Emergency Assistance BenefitsCoverage ——
- Tuition Refund BenefitsCoverage ——
- Travel Inconvenience BenefitsCoverage ——
- Personal Liability BenefitsCoverage ——
- Accidental Death and Dismemberment BenefitsCoverage ￥680,000
- Worldwide Emergency Assistance BenefitsCoverage ￥680,000
- Tuition Refund BenefitsCoverage ￥68,000
- Travel Inconvenience BenefitsCoverage ￥8,160
- Personal Liability BenefitsCoverage ￥680,000
Additional insured can be added if the insured’ insurance period is more than 90 days
Insured premium【】
Additional Insured Additional Benefits
-
Accidental Death and Dismemberment Benefits
Coverage
-
Worldwide Emergency Assistance Benefits
Coverage
-
Travel Inconvenience Benefits
Coverage
-
Personal Liability Benefits
Coverage
Click on “add additional insured”
Premium：
Purchase
Click to compare the customized plan
Click to close the customized plan
Customized Plans
- Medical Benefits Coverage ￥3,400,000
- Hospitalization Benefits ￥3,400,000
- Outpatient/Emergency Benefits ￥68,000
- Specific Medical Benefits ￥499,800
- Coinsurance 70%
- Deductible ￥3,400
-
Accidental Death and Dismemberment Benefits
Coverage
-
Worldwide Emergency Assistance Benefits
Coverage
- Tuition Refund Benefits Coverage
- Travel Inconvenience Benefits Coverage
- Personal Liability Benefits Coverage
Premium：
Purchase
Benefits
Medical Benefits
Hospitalization Benefits
Benefits for inpatient Room and Board, Treatment Expense, Miscellaneous Expense, Surgery Expense, Drug and Medicine Expense, Accompanying fee if the insured suffers from illness or accidental injury that requires hospitalization at the location of study abroad.
Outpatient/Emergency Benefits
Benefits for Outpatient (Emergency) Physician’s visits Fees, Treatment Expense, Miscellaneous Expense, Surgery Expense, Drug and Medicine Expense, etc. if the insured suffers from illness or accidental injury that requires outpatient (emergency) Physician’s visiting at the location of study abroad.
Specific Medical Benefits
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
Specific Medical Benefits
Accidental Death and Dismemberment BenefitsAccidental Dismemberment: The insurer shall indemnify the Disability Benefits arising from the insured’s injury or disability due to an accident overseas, according to the degree of disability.Accidental Death: The insurer shall indemnify the Accidental Death Benefits if death occurs due to an accident overseas.
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
Specific Medical Benefits
Accidental Death and Dismemberment BenefitsAccidental Dismemberment: The insurer shall indemnify the Disability Benefits arising from the insured’s injury or disability due to an accident overseas, according to the degree of disability.Accidental Death: The insurer shall indemnify the Accidental Death Benefits if death occurs due to an accident overseas.Worldwide Emergency Assistance BenefitsThe insurer shall indemnify the Worldwide Emergency Assistance Benefits, including Emergency Medical Assistance, Emergency Evacuation, Emergency Repatriation, and Evacuation/Repatriation Benefits for A Companion Traveling with The Evacuated/Repatriated Person, Family Member Condolence Visit Overseas, Repatriation of Mortal Remains or Burial services and the necessary and reasonable expenses of sue and labor, transportation, and accommodation, if the insured suffers from any accidental injury or acute disease during his(her) travel outside of his(her) oversea study destination.Tuition Refund BenefitsThe insurer shall indemnify the Tuition Refund Benefits covering actually paid tuition which cannot be refunded from the school if the insured interrupts study in his（her）overseas study destination for the following reasons:i Decease of the insured
ii Decease of the insured’s direct relatives
iii Hospitalization of over 30 consecutive days arising from severe physical injury to the insured, or repatriation of the insured for medical treatmentTravel Inconvenience BenefitsThe insurer shall indemnify the Travel Inconvenience Benefits covering Travel Delays, Loss of Travel Documents, Damage or Loss of Personal Effects, during the insured’s travel outside of his (her) overseas study destination.Personal Liability BenefitsThe insurer shall indemnify the Personal Liability Benefits for payment of compensation to the third party, arising from the death or accidental injury, or loss or damage of personal property to the third party caused by the insured negligence.
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
ii Decease of the insured’s direct relatives
iii Hospitalization of over 30 consecutive days arising from severe physical injury to the insured, or repatriation of the insured for medical treatmentTravel Inconvenience BenefitsThe insurer shall indemnify the Travel Inconvenience Benefits covering Travel Delays, Loss of Travel Documents, Damage or Loss of Personal Effects, during the insured’s travel outside of his (her) overseas study destination.Personal Liability BenefitsThe insurer shall indemnify the Personal Liability Benefits for payment of compensation to the third party, arising from the death or accidental injury, or loss or damage of personal property to the third party caused by the insured negligence.
Specific Medical Benefits
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
Specific Medical Benefits
Accidental Death and Dismemberment BenefitsAccidental Dismemberment: The insurer shall indemnify the Disability Benefits arising from the insured’s injury or disability due to an accident overseas, according to the degree of disability.Accidental Death: The insurer shall indemnify the Accidental Death Benefits if death occurs due to an accident overseas.
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
Specific Medical Benefits
Accidental Death and Dismemberment BenefitsAccidental Dismemberment: The insurer shall indemnify the Disability Benefits arising from the insured’s injury or disability due to an accident overseas, according to the degree of disability.Accidental Death: The insurer shall indemnify the Accidental Death Benefits if death occurs due to an accident overseas.Worldwide Emergency Assistance BenefitsThe insurer shall indemnify the Worldwide Emergency Assistance Benefits, including Emergency Medical Assistance, Emergency Evacuation, Emergency Repatriation, and Evacuation/Repatriation Benefits for A Companion Traveling with The Evacuated/Repatriated Person, Family Member Condolence Visit Overseas, Repatriation of Mortal Remains or Burial services and the necessary and reasonable expenses of sue and labor, transportation, and accommodation, if the insured suffers from any accidental injury or acute disease during his(her) travel outside of his(her) oversea study destination.Tuition Refund BenefitsThe insurer shall indemnify the Tuition Refund Benefits covering actually paid tuition which cannot be refunded from the school if the insured interrupts study in his（her）overseas study destination for the following reasons:i Decease of the insured
ii Decease of the insured’s direct relatives
iii Hospitalization of over 30 consecutive days arising from severe physical injury to the insured, or repatriation of the insured for medical treatmentTravel Inconvenience BenefitsThe insurer shall indemnify the Travel Inconvenience Benefits covering Travel Delays, Loss of Travel Documents, Damage or Loss of Personal Effects, during the insured’s travel outside of his (her) overseas study destination.Personal Liability BenefitsThe insurer shall indemnify the Personal Liability Benefits for payment of compensation to the third party, arising from the death or accidental injury, or loss or damage of personal property to the third party caused by the insured negligence.
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
ii Decease of the insured’s direct relatives
iii Hospitalization of over 30 consecutive days arising from severe physical injury to the insured, or repatriation of the insured for medical treatmentTravel Inconvenience BenefitsThe insurer shall indemnify the Travel Inconvenience Benefits covering Travel Delays, Loss of Travel Documents, Damage or Loss of Personal Effects, during the insured’s travel outside of his (her) overseas study destination.Personal Liability BenefitsThe insurer shall indemnify the Personal Liability Benefits for payment of compensation to the third party, arising from the death or accidental injury, or loss or damage of personal property to the third party caused by the insured negligence.
Specific Medical Benefits
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
| Maternity | The insurer shall indemnify the Maternity Benefits if the insured becomes pregnant subject to the waiting period, covering: i maternity insurance and postpartum care expense. ii neonatal screening, nursing and preventive care expense. iii gestational complication treatment expense |
Specific Medical Benefits
Accidental Death and Dismemberment BenefitsAccidental Dismemberment: The insurer shall indemnify the Disability Benefits arising from the insured’s injury or disability due to an accident overseas, according to the degree of disability.Accidental Death: The insurer shall indemnify the Accidental Death Benefits if death occurs due to an accident overseas.
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
| Maternity | The insurer shall indemnify the Maternity Benefits if the insured becomes pregnant subject to the waiting period, covering: i maternity insurance and postpartum care expense. ii neonatal screening, nursing and preventive care expense. iii gestational complication treatment expense |
Specific Medical Benefits
Accidental Death and Dismemberment BenefitsAccidental Dismemberment: The insurer shall indemnify the Disability Benefits arising from the insured’s injury or disability due to an accident overseas, according to the degree of disability.Accidental Death: The insurer shall indemnify the Accidental Death Benefits if death occurs due to an accident overseas.Worldwide Emergency Assistance BenefitsThe insurer shall indemnify the Worldwide Emergency Assistance Benefits, including Emergency Medical Assistance, Emergency Evacuation, Emergency Repatriation, and Evacuation/Repatriation Benefits for A Companion Traveling with The Evacuated/Repatriated Person, Family Member Condolence Visit Overseas, Repatriation of Mortal Remains or Burial services and the necessary and reasonable expenses of sue and labor, transportation, and accommodation, if the insured suffers from any accidental injury or acute disease during his(her) travel outside of his(her) oversea study destination.Tuition Refund BenefitsThe insurer shall indemnify the Tuition Refund Benefits covering actually paid tuition which cannot be refunded from the school if the insured interrupts study in his（her）overseas study destination for the following reasons:i Decease of the insured
ii Decease of the insured’s direct relatives
iii Hospitalization of over 30 consecutive days arising from severe physical injury to the insured, or repatriation of the insured for medical treatmentTravel Inconvenience BenefitsThe insurer shall indemnify the Travel Inconvenience Benefits covering Travel Delays, Loss of Travel Documents, Damage or Loss of Personal Effects, during the insured’s travel outside of his (her) overseas study destination.Personal Liability BenefitsThe insurer shall indemnify the Personal Liability Benefits for payment of compensation to the third party, arising from the death or accidental injury, or loss or damage of personal property to the third party caused by the insured negligence.
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
| Maternity | The insurer shall indemnify the Maternity Benefits if the insured becomes pregnant subject to the waiting period, covering: i maternity insurance and postpartum care expense. ii neonatal screening, nursing and preventive care expense. iii gestational complication treatment expense |
ii Decease of the insured’s direct relatives
iii Hospitalization of over 30 consecutive days arising from severe physical injury to the insured, or repatriation of the insured for medical treatmentTravel Inconvenience BenefitsThe insurer shall indemnify the Travel Inconvenience Benefits covering Travel Delays, Loss of Travel Documents, Damage or Loss of Personal Effects, during the insured’s travel outside of his (her) overseas study destination.Personal Liability BenefitsThe insurer shall indemnify the Personal Liability Benefits for payment of compensation to the third party, arising from the death or accidental injury, or loss or damage of personal property to the third party caused by the insured negligence.
Specific Medical Benefits
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
| Maternity | The insurer shall indemnify the Maternity Benefits if the insured becomes pregnant subject to the waiting period, covering: i maternity insurance and postpartum care expense. ii neonatal screening, nursing and preventive care expense. iii gestational complication treatment expense |
Specific Medical Benefits
Accidental Death and Dismemberment BenefitsAccidental Dismemberment: The insurer shall indemnify the Disability Benefits arising from the insured’s injury or disability due to an accident overseas, according to the degree of disability.Accidental Death: The insurer shall indemnify the Accidental Death Benefits if death occurs due to an accident overseas.
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
| Maternity | The insurer shall indemnify the Maternity Benefits if the insured becomes pregnant subject to the waiting period, covering: i maternity insurance and postpartum care expense. ii neonatal screening, nursing and preventive care expense. iii gestational complication treatment expense |
Specific Medical Benefits
Accidental Death and Dismemberment BenefitsAccidental Dismemberment: The insurer shall indemnify the Disability Benefits arising from the insured’s injury or disability due to an accident overseas, according to the degree of disability.Accidental Death: The insurer shall indemnify the Accidental Death Benefits if death occurs due to an accident overseas.Worldwide Emergency Assistance BenefitsThe insurer shall indemnify the Worldwide Emergency Assistance Benefits, including Emergency Medical Assistance, Emergency Evacuation, Emergency Repatriation, and Evacuation/Repatriation Benefits for A Companion Traveling with The Evacuated/Repatriated Person, Family Member Condolence Visit Overseas, Repatriation of Mortal Remains or Burial services and the necessary and reasonable expenses of sue and labor, transportation, and accommodation, if the insured suffers from any accidental injury or acute disease during his(her) travel outside of his(her) oversea study destination.Tuition Refund BenefitsThe insurer shall indemnify the Tuition Refund Benefits covering actually paid tuition which cannot be refunded from the school if the insured interrupts study in his（her）overseas study destination for the following reasons:i Decease of the insured
ii Decease of the insured’s direct relatives
iii Hospitalization of over 30 consecutive days arising from severe physical injury to the insured, or repatriation of the insured for medical treatmentTravel Inconvenience BenefitsThe insurer shall indemnify the Travel Inconvenience Benefits covering Travel Delays, Loss of Travel Documents, Damage or Loss of Personal Effects, during the insured’s travel outside of his (her) overseas study destination.Personal Liability BenefitsThe insurer shall indemnify the Personal Liability Benefits for payment of compensation to the third party, arising from the death or accidental injury, or loss or damage of personal property to the third party caused by the insured negligence.
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
| Maternity | The insurer shall indemnify the Maternity Benefits if the insured becomes pregnant subject to the waiting period, covering: i maternity insurance and postpartum care expense. ii neonatal screening, nursing and preventive care expense. iii gestational complication treatment expense |
ii Decease of the insured’s direct relatives
iii Hospitalization of over 30 consecutive days arising from severe physical injury to the insured, or repatriation of the insured for medical treatmentTravel Inconvenience BenefitsThe insurer shall indemnify the Travel Inconvenience Benefits covering Travel Delays, Loss of Travel Documents, Damage or Loss of Personal Effects, during the insured’s travel outside of his (her) overseas study destination.Personal Liability BenefitsThe insurer shall indemnify the Personal Liability Benefits for payment of compensation to the third party, arising from the death or accidental injury, or loss or damage of personal property to the third party caused by the insured negligence.
Specific Medical Benefits
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
| Maternity | The insurer shall indemnify the Maternity Benefits if the insured becomes pregnant subject to the waiting period, covering: i maternity insurance and postpartum care expense. ii neonatal screening, nursing and preventive care expense. iii gestational complication treatment expense |
Specific Medical Benefits
Accidental Death and Dismemberment BenefitsAccidental Dismemberment: The insurer shall indemnify the Disability Benefits arising from the insured’s injury or disability due to an accident overseas, according to the degree of disability.Accidental Death: The insurer shall indemnify the Accidental Death Benefits if death occurs due to an accident overseas.
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
| Maternity | The insurer shall indemnify the Maternity Benefits if the insured becomes pregnant subject to the waiting period, covering: i maternity insurance and postpartum care expense. ii neonatal screening, nursing and preventive care expense. iii gestational complication treatment expense |
Specific Medical Benefits
Accidental Death and Dismemberment BenefitsAccidental Dismemberment: The insurer shall indemnify the Disability Benefits arising from the insured’s injury or disability due to an accident overseas, according to the degree of disability.Accidental Death: The insurer shall indemnify the Accidental Death Benefits if death occurs due to an accident overseas.Worldwide Emergency Assistance BenefitsThe insurer shall indemnify the Worldwide Emergency Assistance Benefits, including Emergency Medical Assistance, Emergency Evacuation, Emergency Repatriation, and Evacuation/Repatriation Benefits for A Companion Traveling with The Evacuated/Repatriated Person, Family Member Condolence Visit Overseas, Repatriation of Mortal Remains or Burial services and the necessary and reasonable expenses of sue and labor, transportation, and accommodation, if the insured suffers from any accidental injury or acute disease during his(her) travel outside of his(her) oversea study destination.Tuition Refund BenefitsThe insurer shall indemnify the Tuition Refund Benefits covering actually paid tuition which cannot be refunded from the school if the insured interrupts study in his（her）overseas study destination for the following reasons:i Decease of the insured
ii Decease of the insured’s direct relatives
iii Hospitalization of over 30 consecutive days arising from severe physical injury to the insured, or repatriation of the insured for medical treatmentTravel Inconvenience BenefitsThe insurer shall indemnify the Travel Inconvenience Benefits covering Travel Delays, Loss of Travel Documents, Damage or Loss of Personal Effects, during the insured’s travel outside of his (her) overseas study destination.Personal Liability BenefitsThe insurer shall indemnify the Personal Liability Benefits for payment of compensation to the third party, arising from the death or accidental injury, or loss or damage of personal property to the third party caused by the insured negligence.
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
| Maternity | The insurer shall indemnify the Maternity Benefits if the insured becomes pregnant subject to the waiting period, covering: i maternity insurance and postpartum care expense. ii neonatal screening, nursing and preventive care expense. iii gestational complication treatment expense |
ii Decease of the insured’s direct relatives
iii Hospitalization of over 30 consecutive days arising from severe physical injury to the insured, or repatriation of the insured for medical treatmentTravel Inconvenience BenefitsThe insurer shall indemnify the Travel Inconvenience Benefits covering Travel Delays, Loss of Travel Documents, Damage or Loss of Personal Effects, during the insured’s travel outside of his (her) overseas study destination.Personal Liability BenefitsThe insurer shall indemnify the Personal Liability Benefits for payment of compensation to the third party, arising from the death or accidental injury, or loss or damage of personal property to the third party caused by the insured negligence.
Specific Medical Benefits
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
Specific Medical Benefits
Accidental Death and Dismemberment BenefitsAccidental Dismemberment: The insurer shall indemnify the Disability Benefits arising from the insured’s injury or disability due to an accident overseas, according to the degree of disability.Accidental Death: The insurer shall indemnify the Accidental Death Benefits if death occurs due to an accident overseas.
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
Specific Medical Benefits
Accidental Death and Dismemberment BenefitsAccidental Dismemberment: The insurer shall indemnify the Disability Benefits arising from the insured’s injury or disability due to an accident overseas, according to the degree of disability.Accidental Death: The insurer shall indemnify the Accidental Death Benefits if death occurs due to an accident overseas.Worldwide Emergency Assistance BenefitsThe insurer shall indemnify the Worldwide Emergency Assistance Benefits, including Emergency Medical Assistance, Emergency Evacuation, Emergency Repatriation, and Evacuation/Repatriation Benefits for A Companion Traveling with The Evacuated/Repatriated Person, Family Member Condolence Visit Overseas, Repatriation of Mortal Remains or Burial services and the necessary and reasonable expenses of sue and labor, transportation, and accommodation, if the insured suffers from any accidental injury or acute disease during his(her) travel outside of his(her) oversea study destination.Tuition Refund BenefitsThe insurer shall indemnify the Tuition Refund Benefits covering actually paid tuition which cannot be refunded from the school if the insured interrupts study in his（her）overseas study destination for the following reasons:i Decease of the insured
ii Decease of the insured’s direct relatives
iii Hospitalization of over 30 consecutive days arising from severe physical injury to the insured, or repatriation of the insured for medical treatmentTravel Inconvenience BenefitsThe insurer shall indemnify the Travel Inconvenience Benefits covering Travel Delays, Loss of Travel Documents, Damage or Loss of Personal Effects, during the insured’s travel outside of his (her) overseas study destination.Personal Liability BenefitsThe insurer shall indemnify the Personal Liability Benefits for payment of compensation to the third party, arising from the death or accidental injury, or loss or damage of personal property to the third party caused by the insured negligence.
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
ii Decease of the insured’s direct relatives
iii Hospitalization of over 30 consecutive days arising from severe physical injury to the insured, or repatriation of the insured for medical treatmentTravel Inconvenience BenefitsThe insurer shall indemnify the Travel Inconvenience Benefits covering Travel Delays, Loss of Travel Documents, Damage or Loss of Personal Effects, during the insured’s travel outside of his (her) overseas study destination.Personal Liability BenefitsThe insurer shall indemnify the Personal Liability Benefits for payment of compensation to the third party, arising from the death or accidental injury, or loss or damage of personal property to the third party caused by the insured negligence.
Specific Medical Benefits
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
Specific Medical Benefits
Accidental Death and Dismemberment BenefitsAccidental Dismemberment: The insurer shall indemnify the Disability Benefits arising from the insured’s injury or disability due to an accident overseas, according to the degree of disability.Accidental Death: The insurer shall indemnify the Accidental Death Benefits if death occurs due to an accident overseas.
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
Specific Medical Benefits
Accidental Death and Dismemberment BenefitsAccidental Dismemberment: The insurer shall indemnify the Disability Benefits arising from the insured’s injury or disability due to an accident overseas, according to the degree of disability.Accidental Death: The insurer shall indemnify the Accidental Death Benefits if death occurs due to an accident overseas.Worldwide Emergency Assistance BenefitsThe insurer shall indemnify the Worldwide Emergency Assistance Benefits, including Emergency Medical Assistance, Emergency Evacuation, Emergency Repatriation, and Evacuation/Repatriation Benefits for A Companion Traveling with The Evacuated/Repatriated Person, Family Member Condolence Visit Overseas, Repatriation of Mortal Remains or Burial services and the necessary and reasonable expenses of sue and labor, transportation, and accommodation, if the insured suffers from any accidental injury or acute disease during his(her) travel outside of his(her) oversea study destination.Tuition Refund BenefitsThe insurer shall indemnify the Tuition Refund Benefits covering actually paid tuition which cannot be refunded from the school if the insured interrupts study in his（her）overseas study destination for the following reasons:i Decease of the insured
ii Decease of the insured’s direct relatives
iii Hospitalization of over 30 consecutive days arising from severe physical injury to the insured, or repatriation of the insured for medical treatmentTravel Inconvenience BenefitsThe insurer shall indemnify the Travel Inconvenience Benefits covering Travel Delays, Loss of Travel Documents, Damage or Loss of Personal Effects, during the insured’s travel outside of his (her) overseas study destination.Personal Liability BenefitsThe insurer shall indemnify the Personal Liability Benefits for payment of compensation to the third party, arising from the death or accidental injury, or loss or damage of personal property to the third party caused by the insured negligence.
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
ii Decease of the insured’s direct relatives
iii Hospitalization of over 30 consecutive days arising from severe physical injury to the insured, or repatriation of the insured for medical treatmentTravel Inconvenience BenefitsThe insurer shall indemnify the Travel Inconvenience Benefits covering Travel Delays, Loss of Travel Documents, Damage or Loss of Personal Effects, during the insured’s travel outside of his (her) overseas study destination.Personal Liability BenefitsThe insurer shall indemnify the Personal Liability Benefits for payment of compensation to the third party, arising from the death or accidental injury, or loss or damage of personal property to the third party caused by the insured negligence.
Specific Medical Benefits
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
| Maternity | The insurer shall indemnify the Maternity Benefits if the insured becomes pregnant subject to the waiting period, covering: i maternity insurance and postpartum care expense. ii neonatal screening, nursing and preventive care expense. iii gestational complication treatment expense |
Specific Medical Benefits
Accidental Death and Dismemberment BenefitsAccidental Dismemberment: The insurer shall indemnify the Disability Benefits arising from the insured’s injury or disability due to an accident overseas, according to the degree of disability.Accidental Death: The insurer shall indemnify the Accidental Death Benefits if death occurs due to an accident overseas.
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
| Maternity | The insurer shall indemnify the Maternity Benefits if the insured becomes pregnant subject to the waiting period, covering: i maternity insurance and postpartum care expense. ii neonatal screening, nursing and preventive care expense. iii gestational complication treatment expense |
Specific Medical Benefits
Accidental Death and Dismemberment BenefitsAccidental Dismemberment: The insurer shall indemnify the Disability Benefits arising from the insured’s injury or disability due to an accident overseas, according to the degree of disability.Accidental Death: The insurer shall indemnify the Accidental Death Benefits if death occurs due to an accident overseas.Worldwide Emergency Assistance BenefitsThe insurer shall indemnify the Worldwide Emergency Assistance Benefits, including Emergency Medical Assistance, Emergency Evacuation, Emergency Repatriation, and Evacuation/Repatriation Benefits for A Companion Traveling with The Evacuated/Repatriated Person, Family Member Condolence Visit Overseas, Repatriation of Mortal Remains or Burial services and the necessary and reasonable expenses of sue and labor, transportation, and accommodation, if the insured suffers from any accidental injury or acute disease during his(her) travel outside of his(her) oversea study destination.Tuition Refund BenefitsThe insurer shall indemnify the Tuition Refund Benefits covering actually paid tuition which cannot be refunded from the school if the insured interrupts study in his（her）overseas study destination for the following reasons:i Decease of the insured
ii Decease of the insured’s direct relatives
iii Hospitalization of over 30 consecutive days arising from severe physical injury to the insured, or repatriation of the insured for medical treatmentTravel Inconvenience BenefitsThe insurer shall indemnify the Travel Inconvenience Benefits covering Travel Delays, Loss of Travel Documents, Damage or Loss of Personal Effects, during the insured’s travel outside of his (her) overseas study destination.Personal Liability BenefitsThe insurer shall indemnify the Personal Liability Benefits for payment of compensation to the third party, arising from the death or accidental injury, or loss or damage of personal property to the third party caused by the insured negligence.
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
| Maternity | The insurer shall indemnify the Maternity Benefits if the insured becomes pregnant subject to the waiting period, covering: i maternity insurance and postpartum care expense. ii neonatal screening, nursing and preventive care expense. iii gestational complication treatment expense |
ii Decease of the insured’s direct relatives
iii Hospitalization of over 30 consecutive days arising from severe physical injury to the insured, or repatriation of the insured for medical treatmentTravel Inconvenience BenefitsThe insurer shall indemnify the Travel Inconvenience Benefits covering Travel Delays, Loss of Travel Documents, Damage or Loss of Personal Effects, during the insured’s travel outside of his (her) overseas study destination.Personal Liability BenefitsThe insurer shall indemnify the Personal Liability Benefits for payment of compensation to the third party, arising from the death or accidental injury, or loss or damage of personal property to the third party caused by the insured negligence.
Specific Medical Benefits
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
| Maternity | The insurer shall indemnify the Maternity Benefits if the insured becomes pregnant subject to the waiting period, covering: i maternity insurance and postpartum care expense. ii neonatal screening, nursing and preventive care expense. iii gestational complication treatment expense |
Specific Medical Benefits
Accidental Death and Dismemberment BenefitsAccidental Dismemberment: The insurer shall indemnify the Disability Benefits arising from the insured’s injury or disability due to an accident overseas, according to the degree of disability.Accidental Death: The insurer shall indemnify the Accidental Death Benefits if death occurs due to an accident overseas.
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
| Maternity | The insurer shall indemnify the Maternity Benefits if the insured becomes pregnant subject to the waiting period, covering: i maternity insurance and postpartum care expense. ii neonatal screening, nursing and preventive care expense. iii gestational complication treatment expense |
Specific Medical Benefits
Accidental Death and Dismemberment BenefitsAccidental Dismemberment: The insurer shall indemnify the Disability Benefits arising from the insured’s injury or disability due to an accident overseas, according to the degree of disability.Accidental Death: The insurer shall indemnify the Accidental Death Benefits if death occurs due to an accident overseas.Worldwide Emergency Assistance BenefitsThe insurer shall indemnify the Worldwide Emergency Assistance Benefits, including Emergency Medical Assistance, Emergency Evacuation, Emergency Repatriation, and Evacuation/Repatriation Benefits for A Companion Traveling with The Evacuated/Repatriated Person, Family Member Condolence Visit Overseas, Repatriation of Mortal Remains or Burial services and the necessary and reasonable expenses of sue and labor, transportation, and accommodation, if the insured suffers from any accidental injury or acute disease during his(her) travel outside of his(her) oversea study destination.Tuition Refund BenefitsThe insurer shall indemnify the Tuition Refund Benefits covering actually paid tuition which cannot be refunded from the school if the insured interrupts study in his（her）overseas study destination for the following reasons:i Decease of the insured
ii Decease of the insured’s direct relatives
iii Hospitalization of over 30 consecutive days arising from severe physical injury to the insured, or repatriation of the insured for medical treatmentTravel Inconvenience BenefitsThe insurer shall indemnify the Travel Inconvenience Benefits covering Travel Delays, Loss of Travel Documents, Damage or Loss of Personal Effects, during the insured’s travel outside of his (her) overseas study destination.Personal Liability BenefitsThe insurer shall indemnify the Personal Liability Benefits for payment of compensation to the third party, arising from the death or accidental injury, or loss or damage of personal property to the third party caused by the insured negligence.
| Specific Outpatient Treatment | The insurer shall indemnify the Specific Outpatient Treatment Benefits subject to the waiting period, the relevant expense of radiotherapy or chemotherapy arising from a malignancy, or hemodialysis or renal dialysis arising from a chronic renal failure of the insured |
| Prescription Drug | The insurer shall indemnify the Prescription Drug Benefits if the insured purchases drugs prescribed by a doctor |
| Dental Treatment | The insurer shall indemnify the Dental Treatment Benefits covering the medical expense of dental treatment, on the insured’s natural teeth arising from any accidental injury |
| Psychiatric Disorders and Behavioral Disorders Treatment | The insurer shall indemnify the Psychiatric Disorders and Behavioral Disorders Treatment Benefits subject to the waiting period, the outpatient or inpatient medical expense arising from Psychiatric Disorders or Behavioral Disorders of the insured |
| Substance Abuse | The insurer shall indemnify the Substance Abuse Treatment Benefits covering outpatient or inpatient medical expense arising from drug addiction of the insured |
| Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace | The insurer shall indemnify the Durable Medical Equipment, Rehabilitation Equipment and Orthopedic Brace Benefits covering expense of purchase, replacement (once only) or rental of the relevant medical equipment prescribed by a medical facility, arising from any accidental injury, or disease |
| Ambulance Service | The insurer shall indemnify the Ambulance Service Benefits covering ambulance service expense arising from disease or any accidental injury to the insured |
| Preventive Care | The insurer shall indemnify the Preventive Care Benefits if the insured receives preventive care services including immunizations, preventive care, and disease screening but only if those services are mandated by the state law or the institution |
| Maternity | The insurer shall indemnify the Maternity Benefits if the insured becomes pregnant subject to the waiting period, covering: i maternity insurance and postpartum care expense. ii neonatal screening, nursing and preventive care expense. iii gestational complication treatment expense |
ii Decease of the insured’s direct relatives
iii Hospitalization of over 30 consecutive days arising from severe physical injury to the insured, or repatriation of the insured for medical treatmentTravel Inconvenience BenefitsThe insurer shall indemnify the Travel Inconvenience Benefits covering Travel Delays, Loss of Travel Documents, Damage or Loss of Personal Effects, during the insured’s travel outside of his (her) overseas study destination.Personal Liability BenefitsThe insurer shall indemnify the Personal Liability Benefits for payment of compensation to the third party, arising from the death or accidental injury, or loss or damage of personal property to the third party caused by the insured negligence.
Our professional service specialist will offer trainings on insurance materials and
insurance protections for to assure your effective coverage when necessary
Provide real-time medical assistance service for smooth communication between students and practitioners to assure a timely & proper treatment
Provide the worldwide assistance service for students when travelling while studying abroad
Remote medical assistance service on daily basis by professional practitioners (health assessment and medical advice, etc.)
Sending reports of the student health and medical treatment information the last month to parents regularly each month./b>
Overseas Study Information
Visa Application, Embassy and Consulate Information, Weather Information, Restaurants and
Hotels Guide, Travel Advice
Eligibility
1.
The insured should be 10-49 years old having good health conditions, and be able to study/live normally;
2.
The insured shall be a citizen of the People’s Republic of China;
3.
The insured shall have been admitted by an overseas higher education institution accredited by the education authorities of the People’s Republic of China or the USA;
4.
The insured shall provide the basic personal information, the electronic version of passport and the school offer.
You can get the indemnity soon after you send the electronic version of complete medical documents to the “OverseasHealth”
Warm Notes：
1. You can get the indemnity soon after you send the electronic version of complete medical documents to the “OverseasHealth”;
2. If the Medical Service Assistance Card cannot be showed in time, you may need to pay medical expenses first, no matter in preferred providers or not; keep all the relevant medical documents and contact “OverseasHealth” for the claims.
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