Travel Insurance

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  • Overview

  • Medical Health

  • Personal Safety

Click here to DOWNLOAD a copy of the GBG Insurance Policy
Insurance Coverage 

All CSA students are required to have proof of insurance for the duration of the program and we recommend that your policy also covers any additional time spent in China after the conclusion of the CSA program. CSA's partners, Global Benefits Group provides comphrensive student insurance for the duration of the program. CSA provides a wide range of activities from camping on the Great Wall to skiing down Chinese mountains, so we like to make sure you are covered and safe in the unlikely event you need insurance. Whether you’re experiencing an upset stomach from adjusting to Chinese food or your personal belongings have been lost or stolen, we have you covered. Insurance allows you to avoid big medical bills from hospitals and recoup any possessions you lose during your travels. Additionally, it allows you to relax a little more and enjoy the experience without having to worry as much about what could go wrong.

All foreign students studying at Chinese universities are required to show proof of insurance. You can choose the CSA recommended insurance by simply adding it onto your program package at the time of payment. If you already have existing travel or international student insurance that will cover the duration of your stay in China, you should forward a copy to your Program Director to support your application. We are confident that after shopping around you will appreciate the detail that was put into our Global Benefits Group insurance option. We know the common challenges of travel in China and have crafted a comprehensive plan that will keep you well protected. 

Please download the policy wording at the top or bottom of this page, and below are a few Frequently Asked Questions to get you started:

 Insurance FAQs


Q: What is the insurance company that underwrites this plan?

A:Global Benefits Group (GBG), the parent company of TieCare International, has provided innovative insurance and employee benefit solutions to the international educational community for more than 30 years. TieCare administers customized health and travel insurance programs for international programs around the world - all served locally through our worldwide network of offices in the Canada, China, England, India, Philippines, South Africa, the United Arab Emirates and the United States. Under the TieCare International brand, GBG is the leading provider of health insurance to the international educational community, with customers in over 120 countries and 100 international schools.

Q: What is this insurance designed to do?

A: This insurance is designed to cover the cost for unexpected or unforeseen illness or injury that interns may experience while overseas. It does NOT cover pre-existing conditions beyond the acute onset of pre-existing conditions benefit, routine physicals, routine dental, annual exams, or any preventative or cosmetic treatment. It has been designed to cover you specifically for the duration of your internship in Asia, including liability.

Q: What do I do if I’m sick or injured?

A: Non-Emergency/Non-Urgent Care: When you have a non-Emergency situation please contact a local doctor, walk-in clinic, or urgent care facility. GBG Assist can assist you in locating one of these facilities in your area. Utilizing a hospital emergency room for NON-Emergency care will result in additional expenses and out of pocket cost as specified in your schedule of benefits: Examples of non-emergency: minor injuries and illnesses. 

Emergency Care: Proceed to the nearest emergency room/urgent care facility. If you are not sure where to go you may contact GBG Assist and they may be able to direct you to the closest networked facility. Remember, it is your health so you must act prudently in an emergency and seek the care you need. Note: NON EMERGENCY USE OF A HOSPITAL EMERGENCY ROOM for an illness that DOES NOT result in admission will have a deductible that must be paid by the Insured.

Q: Is a direct payment to a medical provider option available?

A:Yes, presenting your Global Benefits Group (GBG) ID CARD at the time of service will result in direct billing when using our GLOBAL NETWORK OF PROVIDERS. Please visit www.gbg.com for list of providers. If you visit a provider that is not a part of the Global Network, please pay for your doctor visit and any medication and then submit a claim for reimbursement.

Q: Is pre-certification required for medical procedures?

A: GBG assist requires notification as soon as possible for all situations requiring emergency medical treatment in excess of $500. For any services that may result in evacuation, repatriation, or curtailment, GBG Assist MUST be notified. Failure to do so in either medical or evacuation related situations may result in denial of the claim or copayments up to 50%.

Q: What is not covered under my policy?

A: It is important to read your policy carefully to understand the exclusions. The following is a list of some items that are excluded from coverage. For a full list of exclusions, please refer to your insurance policy.

Q: What is not covered under my policy?

A: It is important to read your policy carefully to understand the exclusions. The following is a list of some items that are excluded from coverage. For a full list of exclusions, please refer to your insurance policy.

 Pre-existing Conditions beyond the Acute Onset of Pre-existing condition cover 

 Routine medical or dental examinations 

 Eyeglasses, contact lenses, hearing aids, hearing implants, eye refraction, visual therapy 

 Self-inflicted injuries 

Q: Where can I get a Claim Form?

A: In the event of a claim please go to www.gbg.com and download the TRAVEL CLAIM FORM. You may file your claims electronically to GBG by following the instructions on the form. All claims must be submitted within 90 days from date of incident or they will be denied.

Q: What information do I need to provide when filing a claim?

A: In the event of a claim please go to www.gbg.com and download the TRAVEL CLAIM FORM. You may file your claims electronically to GBG by following the instructions on the form. All claims must be submitted within 90 days from date of incident or they will be denied.

 All claims must be submitted with proof of travel including flight records 

 Medical Records: Doctors Notes Reports, Bills, Receipts including names and addresses. 

 Proof of loss and detailed description of loss 

 Police Reports (if applicable) 

 Baggage Loss/Theft (if applicable)– Airline records MUST INCLUDE confirmation of claim including phone numbers and any applicable reports from the carrier. 

 Any additional documentation requested by the Insurer to support your claim 

Q: Where do I submit Claims to:

A: For Non-Emergency Medical Claims 

In the event of a claim please go to www.gbg.com and download the TRAVEL CLAIM FORM. You may file your claims electronically to GBG by following the instructions on the form. 

For Emergency Assistance contact GBG ASSIST 

Tel: (866) 914-5333 (U.S. and Canada, toll free) 

(905) 669-4920 (worldwide, collect) 

Fax: (949) 271-2330 

Q: How can I check the status of a claim?

A: Pending or processed claim information can be obtained by calling claims customer service at the telephone number listed above or in the website www.gbg.com “Contact us” tab.

Q: Where can I find more information about my plan?

A: Please visit www.compassbenefits.com/chinastudyabroad to find more information about your plan or access plan documents.

Please note: China Study Abroad Ltd. (CSA), its representatives, staff, interns and any individual affiliated to its activity cannot be held liable for any loss, damage, illness or injury suffered by the participant. CSA cannot be held liable for any damage or injury caused by the participant to third parties. It is the participant's responsibility to have have their own personal medical insurance. The participants are responsible for their own insurance claims and understanding what is included and excluded in their purchased insurance plan.

Click here to DOWNLOAD a copy of the GBG Insurance Policy 

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Medical Health

CSA encourages all travelers to contact their primary medical provider or visit a travel health clinic for up-to-date immunizations and travel health advice. The International Society for Travel Medicine (ISTM) - istm.org is a useful resource to find a travel health clinic near you. There is no substitute for advice from a medical health professional. It is advised that you schedule your doctors appointment at least 4 to 6 weeks before your trip start date to allow time for the vaccines or medications to take effect. Please see our Pre-Departure Checklist and FAQ section of our website for more information on planning your trip. Our first step in supporting students is empowering them with information about health in China. Remember that an ounce of prevention is worth a jīn (市斤) of cure. Preparation may sometimes seem tedious, but it can save you both time and a headache. Here are a few tips on how to stay healthy when in China:

  • Expect some jet lag. While many people may not be affected much by jet lag, it can compromise your immune system making you more vulnerable to illness, so allow yourself time to adjust. Sunshine will reset your biological clock and physical activity will help keep you awake and alert during the day time. If you must take a nap when you arrive, try to keep it short!
  • Drink a lot of water, but be cautious of water you drink. Make sure that it is either boiled, bottled, or purified water. One useful way to get safe fluids is through clean fruits or the many places that serve complimentary hot tea.
  • Wash your hands frequently and keep them away from your mouth, eyes, and nose.
  • If traveling to rural areas bring your own sanitary necessities, medications, first aid kit, etc. Bring spare medication for any chronic problem you may have in case of loss or theft. Treat any important medication like money and store it in two different places.
  • Make sure to get plenty of exercise. Whether it’s walking the streets and seeing the sights or joining one of the many fitness centers available in major cities exercising regularly will decrease your chance of illness.
  • Be cautious of heat exhaustion. You might not be used to the heat and humidity in some areas of China. Make sure to limit your exposure to the sun, drink plenty of water, and find a way to keep cool in hot weather.

 

While preparation and knowledge is the best resources one has to stay healthy, you cannot always prevent illness. Should you need to access medical or dental services while in China CSA can provide you with resources in your area and help you get to where you need to go. While China has comprehensive western-style medical care and dentistry the majority of these services are in metropolitan areas. Medical facilities with international staff are mainly located in Beijing, Shanghai, Hong Kong, Guangzhou, and a few other large cites. In rural areas there is access to some medical facilities, but they often do not have comprehensive services and lack multilingual staff. CSA strives to increase access to health care for our students and rural Chinese communities. We are available to students 24 hours a day if any issues should arise. Whether it’s accessing our interactive map of the best health facilities in China or helping you get to where you need to go, we are behind our students one hundred percent. Here are a few useful sites to help you be more prepared:

 

 

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Personal Safety

There is a Chinese proverb that states, “pearls do not lie on the seashore. If you desire one you must dive in for it.” At CSA we want to make your dive a safe one. Any learning experience requires being open to new possibilities. Learning while abroad is both exciting and rewarding, but it comes with inherent risk. CSA can help you reduce that risk while still enjoying the ride. Review these practical safety tips before you travel and stay secure with CSA.

Pre-Departure

  • Make a plan of how you will keep in touch with friends and family members. Some websites and social media that your friends have back home is unavailable in China, so plan ahead. Keeping in touch with people back home is key, but do not let homesickness keep you from experiencing China.
  • Make sure to leave copies of your passport and itinerary with a trusted friend or family member. This will be invaluable in the event your identification is lost or stolen.
  • Apply for your visa and make sure to keep it in a secure before departure.
  • As the second largest country in the world, China has a variety of climates. Keep this in mind when packing, so that if you are traveling to Dalian you remember your jacket and if you are going to Kunming you have your sunglasses and shorts.
  • Check your overseas medical insurance to confirm what circumstances you have coverage. Ensure it at least has medical, evacuation, and trip cancellation coverage.

While in China

  • While CSA picks up each student at the airport when they arrive and drops them off at the end of their trip, it is still useful to cover taxi tips. It is advised that you pay attention to the certificate and license of the taxi. For instance, alll legitimate taxis in Beijing all have a plate that starts with “京 B”.
  • Take a card or note with the address of where you are staying and where you are going. This will allow you to point to the word should your new found Mandarin skills fail you.
  • Take particular care when crossing streets and intersections as traffic in metropolitan areas can be tricky (and sometimes dangerous) to navigate.
  • On the average China is a very safe place and violent crime against foreigners is very rare. With that said, it is always good advice to be aware of your surroundings. While outright theft is relatively uncommon, tourist or “laowai” scams are not hard to find - read up on the different scams to prepare yourself.
  • Do not get to upset if people crowd push and shove on their way into a subway car or “steal” your taxi. It is just different rules of etiquette (or lack thereof) and should not be taken as a personal offense. Let go of your personal space because it is no longer yours.
  • Read all that you can on Chinese etiquette and customs. While some behaviors may not make much sense to you there is usually a reason for the unexpected response. Make time to read about the historical foundations of Chinese etiquette and your experience will be much richer.
  • If you get frustrated while in China or have trouble adjusting remember that this is part of the experience you were looking for. Your decision to challenge yourself was not a mistake and you will be stronger for it.

 

 

Apply Now Sign up for a CSA program with a friend and you both receive a 5% discount!

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  • Beijing

    China Study Abroad Ltd
    3610 Capital Mansions,
    6 Xinyuan Nan Road, Chaoyang
    Beijing, 100027
    Phone: (+86) 10 8468 3799 
  • London

    China Study Abroad Ltd
    154 Bishopsgate
    London EC2M 4LN
    United Kingdom
    Phone: (+44) 0207 377 84 
  • Hong Kong

    China Study Abroad Ltd
    Rm 604-7 Dominion Centre
    43-59 Queen’s Road East
    Hong Kong
    Phone: (+852) 800 968 924 

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