Every student need to buy university insurance, the fee is RMB 400/semester, scholarship covers insurance fee.
Medical insurance does not cover dentist fee, and there are three hospitals covered by insurance : First Hospital of Lanzhou University, Second Hospital of Lanzhou University, and Provincial People's Hospital. You will need to pay by yourself if you go to other hospital.
You will receive an insurance card after buying, you need to write your passport number on it and keep it safe so that you can dial the number on card when necessary, it provides Chinese/English language service, then you can prepare material according to the insurance company needs.
(Note: All data by Jul. 2016)