Optional Medical Insurance Plan for Local Students

a)

Please click here for the insurance coverage.

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.

c)

Treatment related to Congenital Conditions or Developmental Conditions or disease of similar kind are not covered.

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.)

e)

The Policy does not include Dental Benefits.

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.

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. 

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.

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.

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. 

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.

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.