Student Insurance
For accidental injuries occurring in Macao, must inpatient and outpatient services be received only at Conde de São Januário Hospital, Kiang Wu Hospital, and Macao University of Science and Technology Hospital?
- Such treatments fall under the “Accident Insurance” category of student insurance. Coverage is not limited to the three aforementioned hospitals. Please refer to the Accident Insurance page for eligible medical institutions. For reimbursement, students must submit original medical receipts issued by Macao-registered physicians. If physiotherapy is required, students must obtain a referral letter from a Macao-registered doctor before treatment and submit the letter when claiming reimbursement.
When receiving medical care for illness in Macao, must inpatient and outpatient services be received only at Conde de São Januário Hospital, Kiang Wu Hospital, and Macao University of Science and Technology Hospital?
- Such treatments fall under the “Medical Insurance” category of student insurance. Coverage is limited to inpatient and outpatient services at Conde de São Januário Hospital, Kiang Wu Hospital, Macao University of Science and Technology Hospital, and The Islands Healthcare Complex – Macao Medical Center of Peking Union Medical College Hospital. For reimbursement, students must submit original medical receipts issued by a Macao-registered physician. For specialised treatments including physiotherapy, X-rays, or laboratory tests, students must obtain a referral letter from a Macao-registered doctor before treatment and submit the letter when claiming reimbursement.
If students have accidental injuries while participating in competitions or exchanges outside Macao, can the medical expenses be reimbursed?
- Such treatments fall under the “Accident Insurance” category of student insurance. Coverage includes bodily injuries sustained by students while participating in University-organised activities outside Macao (e.g. participating in classes/ competitions/ exchange programmes/ visits). Therefore, the medical expenses are eligible for reimbursement, subject to the insurance company’s review and final approval.
If students receive medical care for illness while participating in competitions or exchanges outside Macao, can the medical expenses be reimbursed?
- Such treatments fall under the “Medical Insurance” category of student insurance. Coverage is restricted to inpatient and outpatient services exclusively at the Conde de São Januário Hospital, Kiang Wu Hospital, Macao University of Science and Technology Hospital, and The Islands Healthcare Complex – Macao Medical Center of Peking Union Medical College Hospital in Macao. Treatment received outside Macao or at non-designated institutions is excluded from coverage. Students requiring additional healthcare coverage may purchase supplemental insurance products according to their individual medical requirements.
Are expenses reimbursable for students who sustain accidental injuries during transit to/from overseas exchanges or competitions, or incur costs due to flight delays, baggage damage/loss, competition equipment damage, or medical treatment abroad?
- Incidents occurring during transit to/from overseas exchanges or competitions are classified under “Travel Insurance” coverage, not the “Accident Insurance” coverage, and are therefore ineligible for reimbursement through the student insurance. Students requiring protection for such circumstances may purchase relevant travel insurance from an insurance company according to their personal needs prior to departure.
If a student participates in an exchange program outside Macau during the coverage period, can the Medical Insurance premium be paid proportionally based on the number of days residing in Macao?
- According to the regulations of insurance company, insured students are required to pay the full annual premium regardless of the duration of their stay in Macao.
Are dental cleaning, treatments, and preventive care reimbursable under the “Medical Insurance” coverage?
- According to the Non-Local Students / Local Students (Optional) Medical Insurance Scheme Out-patient & Hospitalisation - Terms and Conditions, dental treatments and oral surgeries are excluded from coverage.
Are vaccination costs reimbursable?
- Vaccinations received for personal purposes, such as HPV vaccine, shingles vaccine, pneumococcal vaccine, and hepatitis vaccines, are excluded from coverage. However, physician-prescribed vaccinations for accidental injury treatment (including tetanus and rabies) are eligible for reimbursement, subject to the insurance company’s review and final approval.
Are health examination expenses reimbursable under the “Medical Insurance”?
- Medical examinations conducted for personal purposes or needs are excluded from coverage.
Are medical expenses fully reimbursable when an insured student had multiple consultations for illness within a single day?
- According to the Non-Local Students / Local Students (Optional) Medical Insurance Scheme Out-patient & Hospitalisation - Terms and Conditions, outpatient medical expenses are reimbursable once per day, with a maximum claim amount of MOP 250 per visit and an annual limit of 15 claims per academic year.
How to check the reimbursement progress?
- For enquires regarding reimbursement status of “Accident Insurance”, please contact the Student Affairs Office directly. For enquires regarding reimbursement status of “Medical Insurance”, students can refer to the Online Claim User Guideline and check processing status through the official website of the insurance company.
*The above information is translated from Chinese into English for guidance only. If there is any discrepancy between the English and Chinese version, the Chinese version shall apply and prevail.