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2013-14学年来华人员综合保险保障计划简表
2013-08-30 08:15   审核人:

 

保障项目

保险金额

保障范围

身故/残疾

10万元

因意外伤害事故或疾病身故/意外残疾,我们将累计给付身故/意外残疾保险金;

意外伤害医疗

2

因意外伤害事故需门诊治疗,发生的医疗费用,我们将就其事故发生之日起180日内实际支出的按照当地社会医疗保险部门规定可报销的、必要的、合理的医疗费用给付医疗保险金;

住院医疗保险责任

40

被保险人因意外伤害事故或因疾病,经医院诊断必须住院治疗,就其实际支出的合理住院医疗费用,按100%给付住院医疗保险金。

温馨提示:

被保险人在本次投保前发生重大疾病或慢性病的,保险人不承担给付保险金的责任。

门诊医疗保险责任

2

被保险人因疾病咨询4008105119转1进行医疗咨询,需门诊治疗发生的医疗费用,我们按照当地社会医疗保险部门规定可报销的、必要的、合理的医疗费用超过人民币2000元以上部分按85%的比例给付门诊医疗保险金,且每次门诊费用日限额600元。

温馨提示:

被保险人在本次投保前发生重大疾病或慢性病的,保险人不承担给付保险金的责任。

全程医疗管理

紧急医疗救援

需要就诊或住院时,请拨打电话:4008105119转1,救援公司将为您提供相应的医疗、医院咨询及医疗费用垫付或担保等服务。

Comprehensive Insurance & Protection Scheme for Foreigners Staying in China of Ping An Annuity Insurance Company, Ltd

Coverage

Insured amount

Scope of insurance coverage

Death/Disability

RMB100,000

In case of death/accidental disability due to accidental injury or disease, we will provide accumulative insurance benefit for death/accidental disability.

Medical treatment for accidental injury

RMB20,000

If outpatient treatment is required due to accidental injury and medical expenses are incurred, we will provide medical insurance benefit for the actual medical expenses considered as reimbursable, necessary and reasonable by the local social medical insurance department within 180 days after the accident.

Inpatient medical insurance liability

RMB400,000

If the insured must be hospitalized after diagnosis of hospital due to accidental injury or disease, we will provide inpatient medical insurance benefit equal to 100% of the actual and reasonable medical expenses.

Kindly reminder:

If the insured suffered from critical disease or chronic disease before buying this insurance, the insurer shall be released from its liability to make payments.

Outpatient medical insurance liability

RMB20,000

If the insured calls 4008105119 EXT 1 for medical consultation due to disease, and medical expenses are incurred by outpatient treatment, we will provide outpatient medical insurance benefit equal to 85% of the excessive part of medical expenses beyond RMB2,000 considered as reimbursable, necessary and reasonable by the local social medical insurance department. And the limit for each outpatient fee is RMB600.

Kindly reminder:

If the insured suffered from critical disease or chronic disease before buying this insurance, the insurer shall be released from its liability to make payments.

Whole-process medical management

Emergency medical rescue

If the insured needs to see a doctor or be hospitalized, please call 4008105119 EXT 1. The rescue company will provide you with the corresponding consulting, advanced payment of medical expense, guarantee and other services.

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