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 enjoy 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

a)

Please click here for the medical insurance coverage.

 

b)

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 ("Super Care"). For first time activation of the student account, please click here.

 

c)

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. (Note: FREE General Consultation Service is available at the Campus Clinic.)

 

d)

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.

 

e)

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.

*

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.

Claim Procedures

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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If the claim amount does not exceed HK$3,000, you can choose to submit your outpatient claims online through Blue Cross's e-platform, Super Care (under "EasyClaim Service" Outpatient Claims Submission) by simply uploading the scanned copies or photos of medical receipts. For claims which the claim amount exceeds HK$3,000, please follow the normal procedures in submitting a claim.

 

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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 from the day of occurrence after getting the endorsement from Scholarships & Financial Aid Office.

 

Insurance Fee

a)

For 2020/21, all new and continuing non-local full-time degree-seeking students MUST pay a medical insurance fee of HK$300 with the tuition fee (Students commencing their studies at HKUST in Spring 2021 semester shall pay HK$150). This also applies to,

  • Students going on exchange in Fall or Spring Semester

  • Scholarship students whose tuition fee is settled by their scholarships

b)

The compulsory medical insurance fee cannot be reduced, waived, deferred or refunded. To avoid coverage gaps, students holding other medical insurance policies cannot be exempted.

 

c)

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

 

Important Information

a)

For students being newly admitted in 2020/21 (Fall semester), special arrangement will be made this year to advance the medical insurance enrolment date to 15 July 2020. For continuing students (except for those who have leave/ inactive student statuses in 2019/20), the 2020/21 insurance enrolment will effect from 1 July 2020. While for students who are graduating in 2019/20, the insurance coverage will remain active until 31 August 2020.

 

For students arriving earlier than/ staying beyond (for graduating students) the respective insurance effective date/period shall not be covered by the Scheme.  Students are advised to arrange their own insurance/ travel insurance to cover the relevant dates.

 

b)

Change in student status, e.g. taking study leave, will affect the eligibility of insurance enrolment. In case of any doubts, please consult Scholarships & Financial Aid Office.

 

c)

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.

 

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. Enrolment Form (please click here) should be sent to "Jardine Lloyd Thompson Limited" directly.

 

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.)

 

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.