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