Don’t let foreign teachers’ commercial insurance be a decoration, ask them how to use it!

别让外教的商业保险成为摆设，请教他们如何使用！

关于商业保险这一部分，现在最为讽刺的是，明明应该是提供给外教的福利，但是却没有人告知外教应该如何使用，什么时间段使用，如何报销，应该找谁来操作？没有这些信息，您提供给外教的商业保险，不仅没有办法让外教得到应有的保险赔偿，反而会让他们产生，学校购买的保险根本就没有用处，他们只是想敷衍我们而已的心态。

首先，从根本上来说，外教作为签署了合同的正式员工。在可操作的前提下，学校作为公司方应该首要为其考虑购买跟中方员工一致的五险体系，但是考虑到外教这一特殊的职位的不确定性，可以酌情考虑。例如，与外教沟通，他们到底是只想通过一年的合同感受下不同国家城市的氛围，教学环境，还是真的想在这里定居，彻底更换自己的生活环境。如果外教是学校想长期合作的员工，建议您购买社会保险，这不仅能给想在这个城市生活的外教一颗定心丸，对外教后续的相关事务处理也是非常便捷的，不用再特殊化。同时，外教的归属感也会进一步提升。

如果在沟通过程里，外教并没有表达这一意向，且也接受商业保险。那么，我们就来详细的说明一下外教的商业保险。

外教的商业保险一般分为意外险，医疗险，部分保险还设有可报销的疾病险或者大病险。一般来说，需要为外教提供意外险和医疗险两类。千万不要为了节约保费随便为外教购置保险，如果出现不可调和的问题时，外教和学校才是矛盾点。

以下按照一份1500元左右的保险作为 示例

同时，请仔细指导外教阅读保障内容和责任免除，保障内容里会详细说明如何报销，哪些情况可以报销，例如，意外险中，哪些情况属于意外发生可以报销的，如果要报销，应该提供哪些凭据，以什么公式进行报销，在门诊医院看病的病例中，就诊费用限额是多少，超过多少需要自费。

例如在这份保单中，在一个保险期间内，就诊日费用限额为600元（即：若当日医疗费用超日限额的只能按600元计算，当日医疗费用未超600元限额的按实际发生金额计算），在日限额的基础上累计超过900元免赔额以后的部分按照85%比例赔付，产生住院时，住院的限额也不一样，以及在门诊中，普通门诊、急诊、门诊手术、急诊留观、急诊抢救所产生的相关费用可以报销，但可能其他费用不能。

在没有办法熟练掌握中文的前提下，外教能够想到的第一求助人就是学校，如果学校能够在初次购买该保险时，结合具体情况与专业的保险公司一起，为外教详细解释，才是真正能够减少后续问题的最优选择。同时，也要将不能报销的情况跟外教沟通清楚，并告知遇到问题可以找哪些人，哪些保险在报销前需要提前与保险公司进行电话或者书面报备。千万别让这一项福利待遇成为一纸空文。

外教对于来中国执教，其实更多的是面对未知领域的不信任和恐惧，就跟我们初次出国，或者初次进入学校的心理是一样的，这个时候，多多用共情的心理去思考问题，双方之间就能多一份真正的信任和理解。

Regarding the part of commercial insurance, the most ironic thing now is that the benefits should be provided to foreign teachers, but no one told how the foreign teachers should use it, what time period to use, how to reimburse them, and who should I look for? Without this information, the commercial insurance you provide to foreign teachers will not only make it impossible for foreign teachers to get their due insurance compensation, but will allow them to have them. The insurance purchased by the school is useless at all, they just want to perfuse our mentality.

First, fundamentally, the foreign teacher is a full-time employee who signs the contract. Under the premise of operability, the school as the company should first consider buying a five-insurance system that is consistent with Chinese employees, but considering the uncertainty of this special position of foreign teachers, it can be considered as appropriate. For example, to communicate with foreign teachers, do they just want to feel the atmosphere and teaching environment of cities in different countries through a one-year contract, or do they really want to settle here and completely change their living environment. If the foreign teacher is an employee who wants to cooperate with the school for a long time, it is recommended that you purchase social insurance. This will not only give foreign teachers who want to live in this city a peace of mind, but also handle the related affairs of foreign teachers. It is very convenient and does not need specialization. At the same time, the sense of belonging of foreign teachers will be further enhanced.

If during the communication process, the foreign teacher did not express this intention, and also accepted commercial insurance. So, let’s explain the commercial insurance of foreign teachers in detail.

Foreign teachers’ commercial insurance is generally divided into accident insurance, medical insurance, and some insurances also have reimbursable disease insurance or major illness insurance. Generally speaking, foreign teachers need to provide both accident insurance and medical insurance. Never buy insurance for foreign teachers just to save premiums. If there is an irreconcilable problem, foreign teachers and schools are the contradiction.

The following is an example of an insurance around 1500 yuan

At the same time, please carefully guide foreign teachers to read the guarantee content and the waiver of liability. The guarantee content will explain in detail how to reimburse and which circumstances can be reimbursed. For example, in accident insurance, which situations can be reimbursed for accidents, and what credentials should be provided if reimbursement is required. What formula is used for reimbursement? What is the cost limit for outpatient visits in outpatient hospitals, and how much you need to pay at your own expense?

For example, in this insurance policy, during the insurance period, the limit of the cost of the consultation day is 600 yuan (that is, if the daily medical cost exceeds the daily limit, it can only be calculated as 600 yuan, and the medical cost that day does not exceed the 600 yuan limit is actually incurred. Calculate the amount), based on the daily limit, after accumulating more than 900 yuan deductible after the deductible will be paid according to 85% of the proportion. When hospitalization occurs, the hospitalization limit is different, and in the outpatient department, ordinary outpatient, emergency, outpatient surgery, Relevant expenses incurred for emergency observation and emergency rescue can be reimbursed, but other expenses may not be.

Under the premise that there is no way to be proficient in Chinese, the first helper that a foreign teacher can think of is the school. If the school can purchase the insurance for the first time and combine it with the specific insurance company to explain it in detail for the foreign teacher, it is really able to The best choice to reduce subsequent problems. At the same time, it is necessary to clearly communicate the situation of reimbursement with foreign teachers, and inform those who can be found in case of problems, and which insurance needs to be reported to the insurance company by phone or in writing before reimbursement. Don’t let this welfare treatment become a dead letter.

For foreign teachers to come to China to coach, in fact, they face more distrust and fear in unknown fields, which is the same as when we first went abroad or entered school for the first time. At this time, we should use empathy to think about problems. There will be more true trust and understanding between the two parties.