Must Read! Why Insurance Important for International Students!
ScholarshipChina
August 5, 2025
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Hello international students! Planning to study in China? Don’t forget about insurance—it’s not just for peace of mind but also a must-have for your student visa and school enrollment. Let’s go over what you need to know about health insurance for international students in China!
Why is Insurance Mandatory?
Under China’s regulations for international students, all enrolled students must have valid insurance—it’s a national and university requirement. No insurance? You risk admission denial (for new students) or even deregistration (for current students). To ensure a smooth study experience in China, coverage is non-negotiable!
What Insurance Do Universities Usually Require?
Most Chinese universities mandate enrollment in their designated group comprehensive insurance plan, which generally includes:
Death/disability benefits for accidental cases.
Comprehensive protection including:
✓ Outpatient services
✓ Emergency care
✓ Hospitalization
✓ Accident-related medical expenses
Coverage for accidental injury or property damage caused to others
Tip: Insurance requirements vary by university—be sure to check with your school in advance!
Key Consideration When Selecting Insurance
Prioritize coverage types: medical, accident, or property protection based on your situation.
Verify inclusion of:
✓ Routine doctor visits
✓ Hospitalization & surgery
✓ Prescription medications
Important: Most university plans exclude:
✗ International hospitals
✗ Premium private facilities
Always confirm eligible hospitals
Financial Terms
• Maximum coverage limits
• Reimbursement percentage
• Deductible amounts
• Per-claim caps
Standard duration: 1 year
Mark your calendar for renewal to prevent coverage lapses
Carefully review non-covered items, especially:
✗ Pre-existing conditions
✗ High-risk activities
Understand:
• Required documentation
• Reporting timeline
• Processing period
Bonus: Choose providers offering emergency advance payments
How to Purchase Insurance?
Through Your University: Most schools partner with insurers or recommend specific plans. Confirm with the international student office and pay as instructed before registration.
Stay safe and enjoy your studies in China! Got questions? Please follow ScholarshipChina Team.
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