Introduction to Student Insurance at Hong Kong University of Science and Technology (Guangzhou)
I. Students from Mainland China, Hong Kong, Macao, and Taiwan who are enrolled at Hong Kong University of Science and Technology (Guangzhou) are eligible for the following insurance:
1. Guangzhou Urban and Rural Residents Basic Medical Insurance (Student Version for Colleges and Universities) (hereinafter referred to as "Student Medical Insurance")
According to the medical insurance policy of Guangzhou, Chinese students (including those from Hong Kong, Macao, and Taiwan) with enrollment at Hong Kong University of Science and Technology (Guangzhou) can purchase Student Medical Insurance. The university will provide services to assist students in submitting insurance application materials and paying premiums. The premiums will be collected through the student financial system, so please fill out your personal information according to the university's requirements to ensure successful enrollment in the insurance.
① Insured individuals: Full-time students from Mainland China, Hong Kong, Macao, and Taiwan at Hong Kong University of Science and Technology (Guangzhou), as well as cross-campus visiting students and exchange students.
(Note: Duplicate enrollment is not allowed; students may choose only one insurance location for enrollment.)
② Enrollment period: Every year from September to November.
③ Premium standard: The personal premium standard for the 2025 academic year is 413 yuan/person/year, with a financial subsidy standard of 956 yuan/person/year.
④ Insurance coverage period: From January 1, 2025, to December 31, 2025.
⑤ Details of medical insurance benefit: https://mp.weixin.qq.com/s/vL-s9VZqdeL5yXJV0qbY1g
Inpatient Treatment Overview
| Hospital Level | | Deductible | Co-payment Ratio | Examination Fee Limit |
| Level 1 | 150 yuan | 90% | 500 yuan |
| Level 2 | 300 yuan | 85% | 1000 yuan |
| Level 3 | 500 yuan | 80% | 1500 yuan |
Outpatient Treatment Overview
| Basic Medical Institutions | Other Medical Institutions and Designated Specialty Medical Institutions | Annual Payment Limit | |
| Standard | Medicines sold at zero markup under the essential drug system | 1000 yuan/person/year | |
| 80% | 88% | 50% (direct treatment) | |
| 55% (referral) | |||
⑧ Using Medical Insurance
1. After successful enrollment, activate the electronic medical insurance code. Path: Official Account [Guangzhou Medical Insurance] - [Medical Insurance Inquiry & Certificate], to activate and ensure the electronic medical insurance code is functional.
2. The use of medical insurance follows the principle: first designate the point of service, then settle the payment.
3. Designation methods:
a. You can carry your medical insurance card to the counter at the target hospital for designation.
b. Official Account [Guangzhou Medical Insurance] - [Select Outpatient Points] - [Small Point] - [Large Point] (Note: designate the small point first, then the large point.)
c. You can designate at the target hospital's official account (Note: you can wait until you need medical treatment to designate the target hospital).
4. Guangzhou's medical insurance implements a direct settlement system, meaning reimbursement is done directly at the hospital. The insured only needs to pay the remaining amount after reimbursement and does not need to collect materials for subsequent reimbursement procedures.
⑨ Medical Insurance Consultation
- Email: gzsmi@hkust-gz.edu.cn
- Phone: 020-88339133/020-88339145
- Window: One-stop Service Center, Window 4, Tuesday and Thursday 14:30-17:00
⑩ Policy Reference: Notice on the issuance of the Guangzhou Urban and Rural Residents Social Medical Insurance Measures
Note: Students can apply not to participate in the Guangzhou Urban and Rural Residents Medical Insurance. Students who do not participate in the Guangzhou Residents Medical Insurance must sign a "Non-Insurance Commitment."
2. Commercial Medical Insurance
Commercial medical insurance serves as a supplement to the urban and rural residents' social medical insurance. Students may choose to purchase it according to your needs. Students can consult and purchase it at the relevant consultation desk on the day of registration. The enrollment period for student accident insurance is from September to December each year.
II. International Students with Enrollment at Hong Kong University of Science and Technology (Guangzhou)
According to Article 40 of the "Management Measures for the Recruitment and Training of International Students in Schools" jointly formulated by the Ministry of Education, the Ministry of Foreign Affairs, and the Ministry of Public Security, schools implement a full insurance system for international students.
International students enrolled at Hong Kong University of Science and Technology (Guangzhou) are required to purchase the Ping An Insurance for International Students Coming to China. The premiums will be collected through the student financial system.
For details on the Ministry of Education regulations, please refer to the "Management Measures for the Recruitment and Training of International Students in Schools" on the official website of the Ministry of Education of the People's Republic of China (moe.gov.cn).
Students can email study@hkust-gz.edu.cn for inquiries.
The corresponding documents can be downloaded and viewed.
广州市城乡居民社会医疗保险待遇简介_大中专院校学生篇.pdf Download Introduction to Student Insurance Benefits Download
Guide to Medical Insurance Enrollment Download
Interpretation of Medical Insurance Benefits Download
Summary of Questions from the Presentation Meeting Download