To participate in conditions:
Internationalstudents: international students in China, students from Hongkong and Macao andoverseas Chinese students ( identities are needed to be proved by relativeauthority) in healthy condition from 6 to 69 are eligible to this policy.
Insurancecoverage
PingAn shall undertake the following insurance liabilities during the valid periodof insurance (Insurance period (from the valid date of policy to the expirydate of the insurance period)
1、Death insurance:
PingAn shall pay the stipulated amount of insurance compensation if the Insureddies of any accident or disease. Insurance liabilities thus terminate.
2、Accidental disability insurance:
Ifthe Insured suffers from any accident which results in any disability listed inthe Injury and Disability Assessment Criteria for Personal Insurances within180 days since the occurrence of the accident, according to the policy Ping Anshall pay the insurance money, whose amount shall be calculated based on themultiplication of the sum insured, which is corresponding to insurer’sresponsibilities, and the proportion that is specified in the “Proportion Tableof Disability Degree and Payment” of Ping An Annuity Insurance Company, Ltd. Ifmedical treatment is still not over on the 180th day, disability evaluationshall be made on the basis of the Insured’s physical condition on that day andthe “Insurance of Accidental Disability” shall be paid in accordance with the“Proportion Table of Disability Degree and Payment”.
Ifthe same accident causes the Insured to suffer two or more disabilities, as arespecified in the “Proportion Table of Disability Degree and Payment”, theInsurer (PingAn) shall pay the total insured amount of the relevantdisabilities. However, if different disabilities befall the same upper limb orlower limb, only the insured amount of one disability shall be paid; ifdisabilities are of different degrees, the insured amount of the disabilitythat is more serious shall be paid.
If,with the disability resulted from this accident and the previous disabilitycombined, the Insured can claim the insurance for the more serious disability,the insurance shall be paid in accordance with the standard for the moreserious disability, but the disability insurance which has been paid previously(disabilities that have taken place before purchase of insurance, ordisabilities that are caused by and as a result of liability exemption and arelisted in the “Proportion Table of Disability Degree and Payment” shall bedeemed as having been compensated already) shall be deducted therefrom.
Note:“Proportion Table of Disability Degree and Payment” is accessible from thewebsite of INSURANCE ASSOCIATON OF CHINA.
Theaccumulative amount of payment of insurance for death or accident of eachinsured shall not exceed the insured sum of the insured’s total insurance forthe death or accident.
3、Medical Insurance for AccidentalInjury:
Ifthe Insured receives medical treatment within 180 days since the occurrence ofthe accident, the Insurer shall be liable for the payment of the full amount ofthe reasonable and necessary expenses actually paid by the Insured for themedical treatment, but the accumulative amount of payment shall not exceed theagreed sum insured, which is up to RMB 20,000 limitation. Whether an accidentalinjury happens to the Insured for once or several times, the Insurer shall paythe respective “medical insurance for accidental injury” in accordance with theforesaid provisions, but the accumulative amount of payment shall not exceedthe Insured’s sum insured. When the accumulative amount of payment reaches theInsured’s sum insured, the said insurance liability for the said Insured shallbe terminated.
4、Outpatient and Emergency MedicalInsurance:
Ifthe Insured receive outpatient or emergency medical treatment because ofillness and actually incur reasonable and necessary expenses for medicaltreatment, Within the insurance time , the daily limit for outpatients isRMB600. On the precondition of not exceeding the daily limit, should the dailymedical cost is less than RMB600, the actual cost shall be used forcalculation. if the daily medical expenses and cost is more than RMB600, theInsurer only cover RMB600 per day. For medical expenses exceeding the startingline of RMB650, their remaining amount after deducting RMB650 will bereimbursed at a percentage of 85%, and the accumulative payment shall notexceed the limit of RMB20000. The insurance liability shall be terminated oncethe accumulative amount of payment reaches the sum insured.
InsuranceResponsibilities of emergency medical treatment and general outpatienttreatment include: The fees of general outpatient treatment, emergencytreatment, outpatient surgery, hospitalization for observation, emergencyrescue, isolation due to infectious diseases that is certified by the publichospital or department of public health and epidemic prevention, and expense orcost of outpatient and emergency treatment before and after hospitalizationthat arise from the same cause of disease are also deemed as outpatient andemergency treatment.
Note:
Dailylimit: The top claim limit of available medical cost
Starting-lineto pay the limitation: RMB 650 (accumulative for one time during one validinsurance period). Below the starting-line, there is no claim.
5、Hospitalization and Medical Insurance:
Ifdiagnosis confirms that the Insured must be hospitalized for treatment becauseof suffering from the accident or the illness Ping An shall be liable for thefull payment of the “hospitalization and medical insurance” with regard to theactual and reasonable expenses for medical treatment, including reasonable andnecessary fees for nursing (limited to RMB150 Yuan per day for limitation ofaccumulative 30 days), medical record, heating, air-conditioning, bed,examination, special examination and treatment, operation, medicine, treatment,laboratory test, radiation, etc to the insured as 100% proportion.
Duringone valid insurance period, whether the Insured is hospitalized for once orseveral times, the Insurer shall pay the costs of hospitalization as percompensation rule, but the insurance liability shall be terminated once theaccumulative amount of payment reaches the limitation of RMB 400,000.
If he Insured suffers from a major disease or a chronic disease before thepurchase of this insurance, the Insurer shall not bear the liability ofpayment.
Note:
1)Medical organizations which are involved in all the foregoing medical insuranceliabilities are limited to the public hospitals established within the borderof the Chinese mainland; However, for the insured, all medical expensesincurred in sub-branch of public hospitals, ward area for foreigners, ward areafor special treatment and needs, ward for special treatment and needs, ward forhigh-ranking officials, or similar ward area or VIP ward room or separate wardroom, shall be excluded from the insurance, and such expenses for treatmentshall not be covered by the insurer.
2)Medical treatment expenses generated by all the foregoing medical insuranceliabilities are limited to the items and expenses that can be reimbursed inaccordance with the local regulations of social basic medical insurance, theself-paid or partly self-paid items and expenses cannot be reimbursed by theinsurer.
3)The first 30 days period of the first application for insurance ornon-continuous coverage is waiting period (observation period). Where theinsured is hospitalized or outpatient during the waiting period and relatedmedical cost is occurred, the insurer bears no liability of compensation. Thetreatment for continuous insured or the Insured suffered from an accident isnot subject to any waiting period.
4)If any third party has partially or fully paid any above-mentioned medicaltreatment fees, Ping An shall be liable for the amount of reasonable fees thatare in accordance with the payment scope. But the fees for nursing, bed,outpatient and emergence treatment daily limitation fee and other fees within theinsurance coverage are also limited. If the third party has a specifiedproportion for payment, then Ping An shall be liable only for the paymentwithin its proportion deducting the already paid amount. If the third party hasno specified proportion for payment, then Ping An shall be liable for the rest,not exceeding the insured sum, of the limited amount in accordance with theregulations of the local social medical insurance and with a deduction of thestandard amount of this item.
5)If the Insured suffers from a major disease or a chronic disease before thepurchase of this insurance, the Insurer shall not bear the liability ofpayment.
LiabilityExemption
一、Liability Exemption forDeath and Disability
PingAn shall be exempted from the insurance liabilities for death and disabilitycaused by any of the following circumstances on the part of the Insured:
1.Deliberate killing or injury conducted by the policy-holder or beneficiary tothe Insured;
2.Deliberate self-harm, intentional crime, resistance to criminal compulsorymeasures taken according to law, suicide or arrest resistance on the part ofthe Insured.
3.Fighting, drunkenness and active taking, sucking or injection of drugs on thepart of the Insured;
4.Driving under the influence, driving without a legal and valid driving licenseor driving a motor vehicle without a valid driving license on the part of theInsured;
5.War, military conflict, riot or armed rebellion;
6.Nuclear explosion, nuclear radiation or nuclear pollution;
7.Pregnancy, abortion, miscarriage, delivery (including caesarean birth) , birthcontrol, treatment of infertility, contraceptive sterilization, artificialimpregnation and related complication on the part of the Insured;
8.Medical accident occurring to the Insured because of cosmetic surgery or othersurgical operations;
9.Taking of medicine (excluding OTC medicine taken according to instructions)without permission of doctor on the part of the Insured;
10.Duringthe period when the Insured suffers from AIDS or is infected with AIDS virus(HIV-positive);
11.Sportsand athletic activities of high risk only professionals participate. (TheInsured 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.TheInsured passes away or become disable outside the mainland China.
13.Providingfalse insurance information, or international experts and teachers taking outan insurance policy as a student
14.Accidentsoccurring after the expiration of the last insurance duration and before thestart of the next insurance duration with failure to renew the insurance byrule of the Insured part.
Ifthe Insured is caused dead in any of the foregoing circumstances, Ping An shallterminate the insurance liability of the Insured.
二、Liability Exemption forMedical Liability (Medical Treatment of Accidental Injury, Outpatient,Emergency and Hospitalization)
PingAn shall be exempted from the insurance liabilities for medical expenses causedby any of the following circumstances on the part of the Insured:
1.Deliberate killing or injury conducted by the policy-holder or beneficiary tothe Insured;
2.Deliberate self-harm, intentional crime or resistance to criminal compulsorymeasures taken according to law on the part of the Insured;
3.Fighting, drunkenness and active taking, sucking or injection of drugs on thepart of the Insured;
4.Driving under the influence, driving without a legal and valid driving licenseor driving a motor vehicle without a valid driving license on the part of theInsured;
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 symptomsthat 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, infertilitytreatment, artificial insemination, prenatal and postnatal check, birthcontrol, abortion and complications caused by above-mentioned causes;
10.Medicalaccident occurring to the Insured because of cosmetic surgery or other surgicaloperations;
11.Expensesof orthopedics, correct procedure, plastic surgery or rehabilitation therapyreceived by the Insurer;
12.Healthcheck (physical examination), healing, convalesce or special care
13.Taking,application or injection of medicine without the permission of doctor on thepart of the Insurer;
14.Medicalexpenses incurred outside the Chinese mainland or in private hospitals of theChinese mainland, and expenses incurred in drug stores;
15.Chargeof telephone, transportation, etc. on the part of the Insured;
16.Sportsand athletic activities of high risk only professionals participate.(TheInsured 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.
17.Providingfalse insurance information, or the international experts and teachers takingout an insurance policy as a student.
18.Experimentaltreatment and costs incurred for medical experiment purpose.
19.Theinsurant should turn to medical treatment in strict accordance with thehospital admissions standards. If not, the insurer does not reimburse the costof hospitalization.
20.Feesincurred without reporting the case in advance or through the guidance channels(400 telephone number) of medical treatment under non-emergent circumstances orfees are not approved.
21.Feesincurred without reporting the case in advance or through the guidance channelsof medical treatment under non-emergent circumstances
