Current Undergraduates

Compulsory Medical Insurance for Non-local Students

The University policy stipulates that compulsory medical insurance is required for all registered full-time degree-seeking non-local undergraduate and postgraduate students studying at HKUST on student visa/entry permit.

The compulsory medical insurance aims to provide better resources and safety net for non-local students in the event that they need prompt, appropriate and affordable medical services locally or outside of Hong Kong. While students may use the FREE GENERAL CONSULTATIONS AND MEDICATIONS OF THE CAMPUS CLINIC, they might need other medical services such as hospitalization in some circumstances. There are always long waiting lists for public hospital services in Hong Kong, while medical costs in the private hospitals are high. 

Coverage

It is a compulsory requirement for non-local degree-seeking students to join the University Medical Insurance Scheme for Non-local Students. The Scheme covers the following benefits 24 hours world-wide:

 

a)

Hospital & Surgical Benefits

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up to HK$800 per day for hospital room and board for a maximum of 90 days per disability, and surgery fees up to HK$52,000 for complex operation.

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Emergency medical evacuation and repatriation benefits are provided with unlimited cover.

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Insured students are provided with Supplementary Major Medical Benefit of HK$75,000 per disability on 80% reimbursement basis after a deductible amount of HK$500 per disability.

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If the insured student is holding another insurance policy and the incurred medical expenses could not be fully reimbursed by the other policy, he/she may claim for the balance from this policy by providing original receipts and proof of claim payment from other insurance policy.

 

b)

Outpatient Benefits 

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100% reimbursement of Specialist's Consultation, including Physiotherapy or Chiropractor Treatment and Chinese Medicine Practitioner Treatment for maximum 30 visits per policy year, Diagnostic X-rays & Laboratory Test for a maximum of $3,000 per disability and Vaccination up to HK$200.

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General outpatient services are NOT covered in this scheme except for medical expenses due to accidents and the Outpatient benefits on Specialist's Consultation, Diagnostic X-rays & Laboratory Test, Vaccination and Consultation in A&E department of Hong Kong hospitals.

 

c)

Extended Accidental Medical Expenses

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Supplements the University’s Group Personal Accident Insurance* with additional Accidental Medical Expenses (within and outside Hong Kong) of up to HK$20,000 per person. It is applicable to any accidents taking place 24 hours world-wide and it covers medical expenses incurred by accidents not related to activities or programs organized by the University or student organizations.

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Coverage terminates once student ceases to be a registered student.

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Up to $20,000 per person (includes Chinese Bonesetter and Acupuncture subject to a sub-limit of HK$300 per visit per day, HK$1,500 per person/event and HK$3,000 per policy year, no excess/deductible applies).  

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Student could claim from this Policy when the Accidental Medical Benefit under the University Group Personal Accident Policy is exhausted or not applicable.

 

*

The University Group Personal Accident Insurance covers accident loss sustained while participating in activities organized or arranged by the University and/or student organizations on-campus or off-campus, local or abroad, subject to certain conditions. For details, please click here.


For details of the medical insurance coverage, please click here.

 

Please click here to download the insurance documents including the certificate of insurance and image of Medpass Card via the Blue Cross's e-platform. For first time activation of the student account, please click here.

Insurance Fee

a)

In Fall Semester of 2017/18, all new and continuing non-local full-time degree-seeking students MUST pay a medical insurance fee of $358 with the tuition fee. This also applies to

- Students going on exchange in Fall or Spring Semester
- Scholarship students whose tuition fee is settled by their scholarship 

 

b)

Students commencing their studies at HKUST in Spring Semester on or after 1 February 2018 shall pay $208 for the insurance coverage.

 

c)

The compulsory medical insurance fee cannot be reduced, waived, deferred or refunded.

 

d)

To avoid coverage gaps, students holding other medical insurance policies cannot be exempted.

 

e)

Students are responsible for paying the insurance fee as required. Any outstanding payment must be settled before the University Diploma can be issued.  

 

Claim Procedure

a)

Hospital & Surgical Benefits

 

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Please click here to download the claim form and authorization form for Direct Banking Credit System. Completed claim form and original medical bills should be mailed to the insurance company direct within 90 days from clinical visit (for minor operation) or discharge from hospital.

 

 

b)

Outpatient Benefits

 

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Please click here to download the claim form and authorization form for Direct Banking Credit System. Completed claim form, referral letter and original medical bills should be mailed to the insurance company direct within 90 days from clinical visit.

 

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No referral letter is required for Physiotherapy and Chiropractic Treatment during claims submission. 

 

c)

Extended Accidental Medical Benefits

 

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Please click here to download the claim form. Insurance claim should be submitted by post within 30 days form the day of occurrence after getting the endorsement from Scholarships & Financial Aid Office.

 

 

Important Information

a)

For students arriving early, the period before the respective insurance effective date for the semester shall not be covered by the Scheme.  Students are advised to arrange their own travel insurance.

 

b)

The Scheme may not satisfy the personal insurance needs of individual students. Students may consider topping up the insurance level with other insurance plans of their own choice.

 

c)

Non-local students arriving or staying in Hong Kong without any insurance coverage are advised to contact Scholarships & Financial Aid Office as soon as possible.

 

d)

Students' dependants staying in Hong Kong with the student could participate in the Optional Medical Insurance plan entitling to the same coverage of Hospital & Surgical Benefits and the Outpatient Benefits in this scheme. Application Form (please click here) should be sent to the insurance company direct.

 

Students / Activities Not Covered

a)

General outpatient consultations due to illness or disease (except the Specialist's Consultation, Diagnostic X-rays & Laboratory Test and A&E Consultation in Hong Kong hospitals as specified in the Outpatient Benefits) are not covered in the Scheme. (Note: FREE General Consultation Service is available at the Campus Clinic, while students will need to pay for specialist consultation at their own cost.)

 

b)

Exchange-in, Visiting Students or Visiting Interns are not eligible for the Scheme. They should subscribe to Travel Insurance for Exchange-in/Visiting/Short Program Students before leaving their home country.

 

c)

Part-time students are not covered.

 

d)

Non-local students extending or taking their study at the University without paying tuition fee shall not be covered or accepted by the Scheme. Please check with your academic department for advice on insurance arrangement, or contact Scholarships & Financial Aid Office.

For example, non-local research postgraduate students retaining their student status at the University for a period no longer than 4 weeks into a semester shall not be covered by the Scheme.

 

e)

The Scheme does not provide the coverage of travel insurance. Students going for exchange or internship abroad should arrange suitable and adequate insurance for their trip.