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Every students in our universities are required to buy medical insurance in China

December 06, 2015

This is the introduction to the medical insurance

平安养老保险股份有限公司来华人员综合保险保障计划简介(英)

Comprehensive Insurance & Protection Scheme for Foreigners Staying in China of

Ping An Annuity Insurance Company, Ltd.

Insurance coverage

Ping An shall undertake the following insurance liabilities during the period of insurance:

1、Death 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, emergency treatment, 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) 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) All the foregoing medical organizations 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) The scope of medical treatment expenses is 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.

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