別讓外教的商業保險成為擺設，請教他們如何使用！

關于商業保險這一部分，現在最為諷刺的是，明明應該是提供給外教的福利，但是卻沒有人告知外教應該如何使用，什么時間段使用，如何報銷，應該找誰來操作？沒有這些信息，您提供給外教的商業保險，不僅沒有辦法讓外教得到應有的保險賠償，反而會讓他們產生，學校購買的保險根本就沒有用處，他們只是想敷衍我們而已的心態。

首先，從根本上來說，外教作為簽署了合同的正式員工。在可操作的前提下，學校作為公司方應該首要為其考慮購買跟中方員工一致的五險體系，但是考慮到外教這一特殊的職位的不確定性，可以酌情考慮。例如，與外教溝通，他們到底是只想通過一年的合同感受下不同國家城市的氛圍，教學環境，還是真的想在這里定居，徹底更換自己的生活環境。如果外教是學校想長期合作的員工，建議您購買社會保險，這不僅能給想在這個城市生活的外教一顆定心丸，對外教后續的相關事務處理也是非常便捷的，不用再特殊化。同時，外教的歸屬感也會進一步提升。

如果在溝通過程里，外教并沒有表達這一意向，且也接受商業保險。那么，我們就來詳細的說明一下外教的商業保險。

外教的商業保險一般分為意外險，醫療險，部分保險還設有可報銷的疾病險或者大病險。一般來說，需要為外教提供意外險和醫療險兩類。千萬不要為了節約保費隨便為外教購置保險，如果出現不可調和的問題時，外教和學校才是矛盾點。

以下按照一份1500元左右的保險作為 示例

同時，請仔細指導外教閱讀保障內容和責任免除，保障內容里會詳細說明如何報銷，哪些情況可以報銷，例如，意外險中，哪些情況屬于意外發生可以報銷的，如果要報銷，應該提供哪些憑據，以什么公式進行報銷，在門診醫院看病的病例中，就診費用限額是多少，超過多少需要自費。

例如在這份保單中，在一個保險期間內，就診日費用限額為600元（即：若當日醫療費用超日限額的只能按600元計算，當日醫療費用未超600元限額的按實際發生金額計算），在日限額的基礎上累計超過900元免賠額以后的部分按照85%比例賠付，產生住院時，住院的限額也不一樣，以及在門診中，普通門診、急診、門診手術、急診留觀、急診搶救所產生的相關費用可以報銷，但可能其他費用不能。

在沒有辦法熟練掌握中文的前提下，外教能夠想到的第一求助人就是學校，如果學校能夠在初次購買該保險時，結合具體情況與專業的保險公司一起，為外教詳細解釋，才是真正能夠減少后續問題的最優選擇。同時，也要將不能報銷的情況跟外教溝通清楚，并告知遇到問題可以找哪些人，哪些保險在報銷前需要提前與保險公司進行電話或者書面報備。千萬別讓這一項福利待遇成為一紙空文。

外教對于來中國執教，其實更多的是面對未知領域的不信任和恐懼，就跟我們初次出國，或者初次進入學校的心理是一樣的，這個時候，多多用共情的心理去思考問題，雙方之間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.