News And Notice / Notice
Medical Insurance Policy

Comprehensive Insurance & Protection Scheme for Foreigners Staying in China of Ping An

Annuity Insurance Company, Ltd.

Insurance coverage

1Ping An shall undertake the following insurance liabilities during the period of insurance: 
Ping An shall pay the stipulated amount of insurance compensation if the Insured dies of any accidental injury or disease (including SARS). Insurance liabilities thus terminate.

2 Accidental disability insurance:
If the Insured suffers from any accident which results in any disability within 180 days since the occurrence of the accident, Ping An shall pay the insurance money, whose amount shall be calculated based on the multiplication of the sum insured and the proportion that is specified in the “Proportion Table of Disability Degree and Payment” of Ping An Annuity Insurance Company, Ltd. If medical treatment is still not over on the 180th day, disability evaluation shall be made on the basis of the Insured’s physical condition on that day and the “Insurance of Accidental Disability” shall be paid in accordance with the “Proportion Table of Disability Degree and Payment”.
If the same accident causes the Insured to suffer two or more disabilities as are specified in the “Proportion Table of Disability Degree and Payment”, the Insurer shall pay the total insured amount of the relevant disabilities. However, if different disabilities befall the same upper limb or lower limb, only the insured amount of one disability shall be paid; if disabilities are of different degrees, the insured amount of the disability that is more serious shall be paid.
If, with the disability resulted from this accident and the previous disability combined, the Insured can claim the insurance for the more serious disability, the insurance shall be paid in accordance with the standard for the more serious disability, but the disability insurance which has been paid previously (disabilities that have taken place before purchase of insurance, or disabilities that are caused by liability exemption and are listed in the “Proportion Table of Disability Degree and Payment” shall be deemed as having been compensated already) shall be deducted therefrom.
The accumulative amount of insurance for death or accident of each insured shall not exceed the insured sum of the insured’s total insurance for the death or accident.

3 Medical Insurance for Accidental Injury:
If the Insured receives medical treatment within 180 days since the occurrence of the accidental injury, the Insurer shall be liable for the payment of the full amount of the actual and reasonable expenses for the medical treatment, but the accumulative amount of payment shall not exceed the agreed sum insured. Whether an accidental injury happens to the Insured for once or several times, the Insurer shall pay the respective “medical insurance for accidental injury” in accordance with the foresaid provisions, but the accumulative amount of payment shall not exceed the Insured’s sum insured. When the accumulative amount of payment reaches the Insured’s sum insured, the said insurance liability for the said Insured shall be terminated.

 4 Hospitalization and Medical Insurance:
If diagnosis confirms that the Insured must be hospitalized for treatment (outpatient surgery, hospitalization for observation, and isolation due to infectious diseases that is certified by the public hospital or department of public health and epidemic prevention are also deemed as hospitalization and emergency treatment.) because of the accidental injury he/she receives or because of the illness (including SARS) that befalls him/her after the insurance policy comes into force, Ping An shall be liable for the full payment of the “hospitalization and medical insurance” with regard to the actual and reasonable expenses for medical treatment, including fees for nursing (limited to RMB100 Yuan per day for accumulative 30 days), ambulance, medical record, heating, air-conditioning, bed (limited to RMB300 Yuan per day), examination, special examination and treatment, operation, medicine, treatment, laboratory test, radiation, etc.
If hospitalization treatment that is within the scope of insurance liability and is within the same period of insurance is necessary for the Insured, the fees of outpatient treatment and emergency treatment before and after hospitalization that arise from the same cause of disease shall be paid in accordance with the standard of hospitalization medical treatment.
Whether the Insured is hospitalized for once or several times, the Insurer shall pay the costs of hospitalization within the prescribed limit, but the insurance liability shall be terminated once the accumulative amount of payment reaches the sum insured.
If the Insured suffers from a major disease or a chronic disease before the purchase of this insurance, the Insurer shall not bear the liability of payment.

Note:
1) Medical organizations which are involved in all the foregoing medical liabilities are limited to the public hospitals established within the border of the Chinese mainland; the medical expenses incurred in sub-branch of public hospitals, ward area for foreigners, ward area for special treatment and needs, ward for special treatment and needs, ward for high-ranking officials, or similar ward area or ward shall be excluded from the insurance.
2) Medical treatment expenses generated by all the foregoing medical liabilities are limited to the items and expenses that can be reimbursed in accordance with the local regulations of social basic medical insurance, but the expenses for B-class medicine shall be covered by the insured him/herself.
3) The first 30 days of the first application for insurance or non-continuous coverage is waiting period (observation period). Where the issued is hospitalized during the waiting period, the Issuer bears no liability. The treatment for continuous insured or the insured suffered from an accident is not subject to any waiting period.

Liability Exemption
一、 Liability Exemption for Death and Disability
Ping An shall be exempted from the insurance liabilities for death and disability caused by any of the following circumstances on the part of the Insured:
1. Deliberate killing or injury conducted by the policy-holder or beneficiary to the Insured;
2. Deliberate self-harm, intentional crime, resistance to criminal compulsory measures taken according to law, suicide or arrest resistance on the part of the Insured;
3. Fighting, drunkenness and active taking, sucking or injection of drugs on the part of the Insured;
4. Driving under the influence, driving without a legal and valid driving license or driving a motor vehicle without a valid driving license on the part of the Insured;
5. War, military conflict, riot or armed rebellion;
6. Nuclear explosion, nuclear radiation or nuclear pollution;
7. Pregnancy, miscarriage or delivery on the part of the Insured;
8. Medical accident occurring to the Insured because of cosmetic surgery or other surgical operations;
9. Taking of medicine (excluding OTC medicine taken according to instructions) without permission of doctor on the part of the Insured;
10. During the period when the Insured suffers from AIDS or is infected with AIDS virus (HIV-positive);
11. Sports and athletic activities of high risk only professionals participate. (The insured engages in high risk activities such as diving, parachuting, paragliding, roller skating, skiing, skating, bungee jumping, rock climbing, wrestling, judo, taekwondo, martial art, karate, fencing, etc.
12. The insured passes away outside the mainland China.
13. Providing false insurance information, or international experts and teachers taking out an insurance policy as a student.
If the Insured is caused dead in any of the foregoing circumstances, Ping An shall terminate the insurance liability of the Insured.

二、 Liability Exemption for Medical Liability (Medical Treatment of Accidental Injury and Hospitalization)
Ping An shall be exempted from the insurance liabilities for medical expenses caused by any of the following circumstances on the part of the Insured:
1. Deliberate killing or injury conducted by the policy-holder or beneficiary to the Insured;
2. Deliberate self-harm, intentional crime or resistance to criminal compulsory measures taken according to law on the part of the Insured;
3. Fighting, drunkenness and active taking, sucking or injection of drugs on the part of the Insured;
4. Driving under the influence, driving without a legal and valid driving license or driving a motor vehicle without a valid driving license on the part of the Insured;
5. War, military conflict, riot or armed rebellion;
6. Nuclear explosion, nuclear radiation or nuclear pollution;
7. Congenital diseases, hereditary diseases, existing disease (disease or symptoms that already exist prior to the date of insurance);
8. AIDS or HIV infection, sexually transmitted diseases;
9. Pregnancy, miscarriage or delivery on the part of the Insured, infertility treatment, artificial insemination, prenatal and postnatal check, birth control, abortion;
10. Medical accident occurring to the Insured because of cosmetic surgery or other surgical operations;
11. Expenses of orthopaedics, diorthosis, face-lift or rehabilitation therapy received by the Insurer;
12. Health check (physical examination), healing, convalesce or special care
13. Taking, application or injection of medicine without the permission of doctor on the part of the Insurer;
14. Medical expenses incurred outside the Chinese mainland or in private hospitals of the Chinese mainland;
15. Charge of telephone, transportation, etc. on the part of the Insured;
16. Clinical expenses for disease treatment on the part of the Insured;
17. Sports and athletic activities of high risk only professionals participate.(The insured engages in high risk activities such as diving, parachuting, paragliding, roller skating, skiing, skating, bungee jumping, rock climbing, wrestling, judo, taekwondo, martial art, karate, fencing, etc.
18. Providing false insurance information, or the international experts and teachers taking out an insurance policy as a student.
19. Experimental treatment and costs incurred for medical experiment purpose.
20. The insurant should turn to medical treatment in strict accordance with the hospital admissions standards. If not, the insurer does not reimburse the cost of hospitalization.

Insurance premium

Insurance Liabilities

 

RMB

Insurance Amount (Yuan) RMB

Age 6-69

(International Student)

Age 18-45

(International Expert and Teacher)

Age 46-69

(International Expert and Teacher)

Insurance Premium (Yuan per half a year per person)

Insurance Premium (Yuan per year per person)

Insurance Premium (Yuan per half a year per person)

Insurance Premium (Yuan per half a year per person)

Insurance Premium (Yuan per half a year per person)

Insurance Premium (Yuan per half a year per person)

Liability for Death + Accidental Disability

100000

400

800

 

 

 

 

Medical Treatment for Accidental Injury

20000

Hospitalization Medical Treatment

400000

Note: Matters not mentioned herein shall be executed in accordance with the provisions of Ping An Group Accidental Injury Insurance, Ping An Group One-year Fixed Term Life Insurance, Ping An Additional Insurance for Group Accidental Injury Medical Treatment and Ping An Group Hospitalization Medical Treatment Insurance.

 

If contradiction arises as regards the above contents, elaborations in Chinese shall prevail.

 

 

2017-03-20 17:07:33 Visited:205