Optional Medical Insurance Plan for Local Students
While full-time students can enjoy FREE general consultation services and medications at the campus clinic, they might need other medical services such as specialist consultations/ hospitalization in some circumstances. The University has an optional medical insurance plan for registered full-time local students to join on a voluntary basis.
Coverage
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Please click here for the insurance coverage.
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b) |
In general, the policy can only cover medical expenses which are medically necessary, i.e. general check-up is not covered. Eligibility of claim shall be subject to claim document received and final assessment by the insurer.
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Treatment related to Congenital Conditions or Developmental Conditions or disease of similar kind are not covered.
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d) |
General Consultation is not covered by the Policy. (Note: Full-time students can enjoy FREE general consultation services and medications at the campus clinic by presenting their student ID cards.)
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The Policy does not include Dental Benefits. |
Insurance Premium
Registered full-time local students may join the Optional Medical Insurance Plan in Fall Semester or Spring Semester (for students admitted in Spring semester only). The insurance fees* are as follows:
a) |
HK$181.12 for joining in 2022/23 Fall Semester |
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covers a 10-month period from 1 September of the current year to 30 June of the ensuing year.
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b) |
HK$89.66 for joining in 2022/23 Spring Semester |
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covers a 5-month period from 1 February to 30 June. |
* Fees paid are non-refundable
Enrolment
a) |
Enrolment Form should be submitted to the University's Insurance Broker "Howden Insurance Brokers (HK) Ltd" (Attn: Ms Carol Mak) by post within 45 days from 1 September (for students enrolled in Fall semester)/ 1 February (for students newly enrolled in Spring semester) respectively for enrolment.
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b) |
Applicants are required to attach (1) a crossed cheque for the required premium payable to “Blue Cross (Asia-Pacific) Insurance Limited”, (2) a copy of HKUST Student ID Card, as well as (3) a proof of tuition fee payment for the academic year to be covered. |
Claim Procedure
a) |
To submit a claim, please complete the hospitalization & surgical claim form / the outpatient claim form and attach the original medical bills and a copy of the referral letter (if applicable) with your claim form. The claim has to be submitted to the insurance company directly within 90 days after discharge from hospital/ clinical visit.
For outpatient claims, if the claim amount does not exceed HK$3,000, claimant can choose to submit their 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.
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b) |
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 the other insurance policy.
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c) |
For enquiries related to coverage/ claim eligibility, please consult the insurer (Blue Cross) directly by calling their service hotline: 3608 2988. Please refer to your insurance certificate for your Policy number and Insured number. |