外籍在华，这份保险风险提示请收好
尊敬的外籍朋友：
欢迎您来华工作、生活或交流！为保障您在华期间的保险保障权益，规避潜在风险，特此提示以下核心风险及注意事项：
Dear Foreign Friends,
Welcome to work, live or communicate in China! To protect your insurance rights and interests during your stay in China and avoid potential risks, we hereby remind you of the following core risks and precautions:
1.身份合规是前提
Compliance with Identity Requirements Is a Prerequisite
外籍人士就业需《外国人工作许可证》+居留证，否则社保、商保或拒赔；
Foreigners engaging in employment need a Foreigners' Work Permit plus a residence permit; otherwise, social insurance coverage may be denied and commercial insurance claims may be rejected.
居留证到期 / 常驻地变更，30 日内告知保险公司，避免理赔受阻。
If your residence permit expires or your usual place of residence changes, notify the insurance company within 30 days to avoid hindrance to claim settlement.
2.警惕 “境内外保障差异”
Be Alert to "Domestic and Overseas Coverage Differences"
多数保险只保中国大陆，投保前确认：境外重疾认不认？身故含跨境遗体运输？免责是否排除高风险区？
Most insurance plans only cover the Chinese mainland. Before purchasing, confirm: Whether severe illness diagnoses made overseas are recognized? Whether cross-border remains transportation is covered in case of death? Whether high-risk areas are excluded in exclusion clauses?
中外保险体系存在差异，勿凭本国经验投保，如重疾险多要求 “二级以上公立医院”，境外确诊可能需回国复诊。
There are differences between Chinese and foreign insurance systems; do not purchase insurance based solely on experience from your home country. For example, most severe illness insurance plans require diagnosis in "public hospitals at or above Level 2", and overseas diagnoses may require re-examination in China.
3.理赔关注要点
Key Points for Claim Settlement
境外出险备：翻译 + 使领馆认证材料、出入境记录、境内银行卡；
In case of an insured event overseas, prepare: translated materials certified by embassies/consulates, entry-exit records, and a domestic bank card.
出险 24-48 小时内报案，单据留存好；离境超 6 个月提前告知。
Report the insured event within 24-48 hours, keep documents properly; if leaving China for more than 6 months, notify the insurance company in advance.
4.社保与商保协同配置
Coordinated Configuration of Social Insurance and Commercial Insurance
仅合法就业者可参社保，短期签证不行；社保不包含高端 / 境外医疗，建议补全球医疗险；
Only legally employed foreigners can participate in social insurance; short-term visa holders are not eligible. Social insurance does not cover high-end/overseas medical services, so it is recommended to supplement with global medical insurance.
留存 3 个电话：社保局、保险公司报案专线、涉外医院。
Keep 3 contact numbers: social security bureau, insurance company's claim reporting hotline, and foreign-related hospitals.
5.风险提示与建议
Risk Reminders and Suggestions
投保时须如实提供就业证明、居留证件等相关材料，提供虚假信息可能导致保单无效；
When purchasing insurance, truthfully provide relevant materials such as employment certificates and residence permits; providing false information may render the policy invalid.
投保前可要求提供中英双语保单条款，重点核对保险责任、免责范围等核心内容；
Before purchasing, you may request Chinese-English bilingual policy clauses, and focus on verifying core contents such as insurance coverage and exclusion scope.
长期居留可配 “寿险 + 重疾 + 全球医疗”，提前规划跨境事务。
For long-term residence, you can configure "life insurance + severe illness insurance + global medical insurance" and plan cross-border matters in advance.
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