留学生综合保障计划简介.pdf

留学生综合保障计划简介留学生综合保障计划简介T T T Thehehehe ComprehensiveComprehensiveComprehensiveComprehensive InsuranceInsuranceInsuranceInsurance IntroductionIntroductionIntroductionIntroduction forforforfor ForeignForeignForeignForeign StudentsStudentsStudentsStudents保险责任保险责任InsuranceInsuranceInsuranceInsurance LiabilitiesLiabilitiesLiabilitiesLiabilities在保险责任有效期内，本公司承担下列保险责任： 1. The company shall undertake the following insurance liabilities during the period of insurance: 1、身故保险责任 被保险人因意外伤害事故或疾病(含 SARS)死亡，本公司按约定保险金额给付保险金， 保险责任终止。

1．Life Insurance The company shall pay the stipulated amount of death benefit if the Insured dies of any accidental injury or disease (including SARS).The Company's liability for this Insured is terminated. 2、残疾保险责任 被保险人因遭受意外伤害事故，并自遭受意外伤害之日起一百八十日内导致残疾，本公 司按照《平安附加残疾保障团体意外伤害保险条款》所附“残疾程度与给付比例表”的规定 比例乘以约定保险金额给付保险金 2．Disability Insurance If the Insured suffers from any accidental injury which results in any disability within 180 days since the occurrence of the accidental injury, the company shall be liable for the stipulated face amount multiplying the Indemnity Scale according to the Table attached to Ping An’s Accidental Disability Rider of GroupAD if the Insured dies after 180 days, the company shall pay the benefit up to the stipulated face amount no matter the death is caused by the same reason. 3、意外伤害医疗保险责任： 被保险人因遭受意外伤害事故，并自事故发生之日起一百八十日内进行治疗，本公司就 其实际支出的合理医疗费用按 100%给付意外伤害医疗保险金，累计给付金额以约定的保险 金额为限。

3．Accidental Injury Medical Treatment Insurance If the Insured receives any medical treatment within 180 days since the occurrence of theaccidental injury, the company shall be liable for the actual and reasonable expenses for medical treatment, however the accumulative payment shall not exceed the stipulated amount in the Insurance Policy. 4、住院医疗保险责任： 被保险人因意外伤害事故或因疾病(含 SARS)，经医院诊断必须住院治疗，本公司就其 实际支出的护理费（限额 100 元/天） 、床位费（限额 300 元/天） 、手术费、药费、治疗费、 化验费、放射费、检查费等合理医疗费用，按 100%给付“住院医疗保险金” ，累计给付金 额以约定的保险金额为限。

4．Hospitalization Medical Insurance If the Insured must be hospitalized through diagnosis for any accidental injury or disease (including SARS), the company shall be liable for the actual, necessary and reasonable medical expenses including nursing fee (limited to RMB100 Yuan per day), fee for bed (limited to RMB300 Yuan per day), expenses for operation, medicine, treatment, test, radiation and examination, however the accumulative payment shall not exceed the stipulated amount in the Insurance Policy. 5、团体高额医疗费用保险责任： 被保险人因疾病(含 SARS)或意外伤害住院治疗而导致的在保险期间发生的合理且必要 的医疗费用以及在保险期间内发生并延续至保险合同到期日后一个月内的合理且必要的住 院医疗费用（包括床位费（限额 300 元/天） 、药费治疗费、护理费、护工费（限额 100 元/ 天，累计 30 天） 、检查检验费、特殊检查治疗费、救护车费和手术费） ，在累计超过起付线 （人民币 6 万元）时，本公司对起付线以上至封顶线（人民币 40 万元）的部分按 100%给 付住院医疗保险金。

5．Group Major Medical Expenses Insurance If the Insured is hospitalized for any disease (including SARS) or accidental injury, when the sum of the reasonable, necessary medical expenses as well as the hospitalization medical expenses (including the fee for bed (limited to RMB300 Yuan per day), medicine, nursing fee, fee for tendance (limited to RMB100 Yuan per day,30days in total), treatment, test and examination, special examination and treatment, ambulance and operation) occurred during the insurance period or occurred during the insurance period and extended into one month after the expiration of the Insurance Policy is between RMB60,0000 yuan and RMB400,000 yuan, the company shall pay the insurance benefit. 注：1）以上所有医疗机构仅限于中华人民共和国大陆境内的公立医院。

2）医疗费用范围只限于符合当地社会基本医疗保险规定报销范围的项目和费用， 但承担乙类药品的自负费用 Note: 1）All the foregoing medical organizations shall be limited to the public hospitalsestablished withinthe boundaries ofthe Mainland China; 2）The scope of medical expenses shall be limited to the items and expenses which can be reimbursed in accordance with the local regulations on social basic medical insurance. However the expenses for the B-class medicine shall be paid by themselves.责任免除责任免除ExclusionsExclusionsExclusionsExclusions身故及残疾责任免除身故及残疾责任免除 ExclusionsExclusionsExclusionsExclusions forforforfor LifeLifeLifeLife andandandand DisabilityDisabilityDisabilityDisability InsuranceInsuranceInsuranceInsurance因下列情形之一，造成被保险人身故、残疾的，本公司不负给付保险金责任： 一、投保人或受益人的故意行为； 二、被保险人犯罪、吸毒、殴斗、酒醉、自残或自杀； 三、被保险人酒后驾驶或无照驾驶； 四、被保险人怀孕、流产或分娩； 五、被保险人患有爱滋病或其它性病。

六、战争、军事行动、内乱或武装叛乱； 七、核爆炸、核辐射或核污染； 八、专业人员参与的高风险运动及高危竞技类活动 发生上述情形，被保险人身故的，本公司对该被保险人保险责任终止，并在扣除手续费 后退还该被保险人的未满期保险费 The company shall be exempted from the insurance liabilities for the life and disability benefit of the Insured for any of the following circumstances: 1. The deliberate action by the Applicant or a Beneficiary that leads to the death or injury of the Insured;2. The Insured commits crime intentionally, addiction or abuse of drug, fights, alcohol abuses,self-inflicted or commits suicide;3. The Insured drives after drinking, drives without proper license or drives the a vehicle without valid license; 4. The Insured is pregnancy, childbearing (including dystopia), barren, sterile, miscarriage or childbirth; 5. The Insured hasAIDS or h。