14 November 2026 · Redream team
The answer in 30 seconds
- Ask your university for your policy and coverage dates.
- Check approved hospitals, exclusions and limits before non-emergency care.
- Keep receipts, prescriptions and reports for claims.
- In an emergency get medical help immediately, then contact your insurer and university.
Understanding health insurance in China helps Moroccan students prepare for university life. Covered treatment, approved providers and reimbursement procedures depend on your policy. Request the written terms and keep the support contacts accessible.
1. Ask your university before departure
Check which insurance is accepted, whether the scholarship or fees include its cost, and when coverage begins and ends, including any period before registration. Beijing Foreign Studies University advises international students to review coverage, exclusions, eligible facilities and claims procedures.
2. Read coverage and exclusions
Ask about outpatient visits, medication, accidents, hospitalisation, financial limits, your share of costs and any waiting periods or pre-existing condition rules. Check private or international departments and whether planned treatment needs prior authorisation. Your own policy determines what applies.
3. Find an eligible hospital
Save the details of your campus clinic, insurer and an eligible hospital. HUST’s insurance guidance gives a public hospital in mainland China as an example for its scheme. Requirements differ, so check with your insurer before non-emergency appointments.
4. Payment and claims
You may need to pay some expenses upfront or follow an authorisation procedure, depending on your policy. Keep original invoices, reports, prescriptions and proof of payment. Ask which documents, deadlines and submission steps apply; not every expense is automatically reimbursed.
5. In an emergency
Get emergency care or call an ambulance immediately when necessary; do not delay treatment while waiting for approval. The ambulance number in China is 120. Once care is secured, contact the insurer’s emergency line and your international student office when possible.
6. Ongoing care and medication
Discuss travel with your doctor, carry prescriptions and a medical summary where appropriate, and note generic medication names. Check coverage for your condition, local follow-up and medicine import rules. Never stop or change a treatment without medical advice.
7. Keep a quick-reference list
Save your policy number, coverage dates, assistance line, university address and an eligible hospital’s contact details. For arrival planning, see our SIM guide and student budget guide.
Frequently asked questions
Does every scholarship include insurance? Check your particular offer and university.
Can I use any hospital? Eligibility depends on the policy and treatment; check ahead for non-emergencies.
Is a photo of a receipt enough? Keep the original too and ask your insurer.
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