Insurance coverage: people at the age from 0-85 are covered, while people at the age above 85 are not covered. Scope of Coverage is as below
|Scope of Coverage
|juveniles from 0 to 10 years old
|juveniles above 11 years old & adult
|Accidental death/ Accidental disability
|Within the insurance duration, if the insured is dead or disable due to accidental injuries, the insurer shall pay insurance benefits for accidental death and accidental disability according to agreements, and the accumulated compensation for death insurance benefit and disable insurance benefit shall not exceed the sum of accidental injury insurance premium.
|Accidental medical treatment
|In the event that the insured suffers accidental injuries or acute diseases, the insured shall receive medical treatment in Class II or higher rated hospitals or hospitals approved by the Company. If the actual expenditure used in accidental injuries is line with the medical expense within the compensation scope of local social basic medical insurance, after the Company deducts the compensation or compensation made by local social basic medical insurance, public medical service or other parties, in term of the balance, the Company shall pay medical insurance benefit in accordance with the compensation proportion agreed. The deductible and compensation proportion of medical insurance benefit shall be determined by the policy holder and the Company, and specified in the insurance policy. If the treatment of the insured is not finished at the expiration of the insurance duration , for the insured receiving outpatient treatment or emergency treatment, the Company shall continue to bear the compensation of the insurance benefit for 15 days counted from the second day of the expiration of insurance duration, for the insured receiving hospitalization treatment, the Company shall continue to bear the compensation of the insurance benefit until the insured discharge from hospital, but it shall not exceed 90 days. Medical insurance benefit paid by the Company is limited to medical insurance premium agreed in this contract. When the compensation in full or accumulated compensation of insurance benefit reaches the maximum of medical insurance premium agreed in this contract, medical insurance liabilities specified in this contract shall be terminated.
|In term of actual expenditure in remains disposal in event that the insured dies due to reasons specified in article one, the Company shall pay funeral insurance premium within the scope of funeral insurance benefit.
|Total amount insured
|If the traveling time is within 20-30 days, the premium shall be counted as : 12+2×extral days