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Brief Introduction of Ping An Life
Insurance’s
Overall Insurance & Benefit Plan for People Coming
to China
Insurance Liabilities
This company shall undertake the following insurance
liabilities during the period of insurance:
1． Loss of Life Insurance
This company shall pay the stipulated amount of insurance
compensation if the Insured dies of any accidental
injury or disease (including SARS).
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, this company
shall be liable for the agreed amount of insurance
multiplying the proportion stipulated in the Proportion
Table between the Degree of Disability and the Payment
attached to Ping An’s Additional Liability Clause
for Accidental Disability.
This company shall respectively pay the insurance
compensation for accidental disability in accordance
with the stipulations no matter the Insured suffers
from accidental injury for once or several times,
however the accumulative payment hereto shall not
exceed the stipulated amount of insurance.
If the Insured dies of the same reason within 180
days since the occurrence of accidental injury which
results in any disability, this company shall be liable
only for the difference between the stipulated amount
of insurance and the insurance compensation for accidental
disability; if the Insured dies after 180 days, this
company shall pay the stipulated amount of insurance
no matter the death is caused by the same reason.
3． Accidental Injury Medical Treatment Insurance
If the Insured receives any medical treatment within
180 days since the occurrence of the accidental injury,
this company shall be liable for the actual and reasonable
expenses for medical treatment; however the accumulative
payment shall not exceed the stipulated amount of
insurance.
4． Hospitalization Medical Insurance
If the Insured must be hospitalized through diagnosis
for any accidental injury or disease (including SARS),
this company shall be liable for the actual and reasonable
expenses for medical treatment including nursing fee
(limited to RMB100 Yuan per day), bed fee (limited
to RMB100 Yuan per day), expenses for operation, medicine,
treatment, laboratory test, radiation and examination,
however the accumulative payment shall not exceed
the stipulated
5．Group Major Medical Expenses Insurance
As for the reasonable and necessary expenses for the
medical treatment hereto occurred during the period
of insurance as well as the expenses for hospitalization
medical expenses (including the bed fee (limited to
RMB100 Yuan per day), expenses for medicine, nursing
fee (limited to RMB100 Yuan per day), treatment, laboratory
test and examination, special examination and treatment,
ambulance and operation) which is occurred during
the period of insurance and extended into one month
after the expiration of the insurance agreement, if
the Insured is hospitalized for any disease (including
SARS) or accidental injury, this company shall be
liable for the amount of insurance compensation exceeding
RMB60,000 Yuan but limited to RMB400,000 Yuan.
Note: 1）All the foregoing medical organizations shall
be limited to the public hospitals established within
the board of the People’s Republic of China;
2）The scope of medical treatment 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.<
Liability Exemption
Liability Exemption for Loss of Life and Disability
This company shall be exempted from the insurance
liabilities for the loss of life and disability of
the Insured for any of the following circumstances:
any intentional act of the applicant for insurance
or the beneficiary;
criminal act, addiction to narcotic, fighting, drunkenness,
self-injury or suicide of the insured;
driving while intoxicated or driving without license
of the insured;
pregnancy, miscarriage or childbirth of the insured;
AIDS or other VD of the insured;
War, military action, civil rebellion or armed revolt;
Nuclear explosion, radiation or pollution;
High-risk sports and athletic activities by the professionals;
If any of the foregoing circumstances happens resulting
in the death of the Insured, this company shall end
the insurance liabilities and return the immature
insurance premium after the deduction of the commission.
Liability Exemption for Medical Treatment (accidental
injury medical treatment, hospitalization medical
treatment and major medical expenses)
This company shall be exempted from the insurance
liabilities for any of the following circumstances:
intentional killing or injure the insured by the applicant
or the beneficiary;
criminal act or arrest resistance , suicide or intentional
self-injury of the insured;
fighting, drunkenness, drug taking, addiction or injection
of the insured;
driving while intoxicated or without license or driving
motor-driven vehicle without valid driving certificate
of the insured;
medical accident occurred during the cosmetic operation
or other physician or surgery operations of the insured;
the expenses for orthopaedic, cosmetic operation or
rehabilitating treatment of the insured;
registration fee, expenses for board, accompanying
accommodation, heating and traffic of the insured;
items and drugs at private expense stipulated by the
local departments in charge of the social basic medical
insurance or medical treatment on public expense;
taking, coating or injecting drugs not in conformity
with doctor’s advice;
war, military act, rebellion or armed revolt;
nuclear explosion, radiation or pollution;
previous disease, mental disease, AIDS, VD, congenital
or hereditary disease and the complications before
the first application for insurance;
medical treatment expenses occurred out of the board
of the People’s Republic of China;
pregnancy, miscarriage or childbirth of the insured;
out-patient treatment expenses of common disease.
Insurance Premium
|
Types of Insurance
|
Sum
Insured(Yuan) RMB |
Age:
6--45 |
Age:
46--69 |
| Insurance
Premium (Yuan per half-of-year for each) |
Insurance
Premium (Yuan per year for each) |
Insurance
Premium(Yuan per half-of-Year for each) |
Insurance
Premium(Yuan per Year for Each) |
| Ping
An’s regular 1-year group insurance |
100,000 |
400 |
600 |
600 |
1,000 |
| Ping
An’s group additional accidental injury medical
treatment insurance |
10,000 |
| Pin
An’s group hospitalization medical insurance |
60,000 |
| Pin
An’s group major medical expenses insurance |
60,000-400,000 |
Note: other matters that are not stipulated in this
plan shall be governed by the Ping An’s Regular 1-Year
Group Insurance Clause, Ping An’s Additional Liability
Clause for Disablity Benifit and Group Accacidental
Injury , Ping An’s Insurance Clause for Additional Accidental
Injury Medical Treatment, Ping An’s Clause for Group
Hopistalization Medical Treatmentand the Clause (B)
for Group Major Medical Expenses Insurance.
A Guide for People Coming to China to Insurance
Claim against Ping An Life Insurance
Dear Valued Customer:
Respectful clients of Ping An Insurance Company:
If you would like to know services for settlement
of claims of comprehensive insurance for people coming
to China, please read this guide carefully.
1. Procedure of settling claims:
Claim settling procedure against the occurrence of
insured incidents:
Submit your claim to Group Insurance Division with
affiliated companies under China Ping An Life Insurance
Co., Ltd. as stipulated in the agreement.
Claim & consulting hotlines:
Please call the local branches under China Ping An
Life Insurance Co., Ltd. or dial the service and claim
consulting number: 010-66213388-69013 of Beijing Branch
to inquire the numbers and specific address of the
local branches as agreed in the contract directly.
2. Documents to be presented for settlement of claims:
①Group term life insurance of one year
A. Copy of passport of the insured;
B. Disability assay certificate in case the insured
is disabled (provided by judicial or labor department);
C. Death certificate of the insured;
D. Proof of accident provided by the communications
department of the police in case an traffic accident
occurs;
E. Copy of the beneficiary’s identity proof in case
the insured is dead;
F. Insurance distribution scheme signed and ratified
by the beneficiary in death compensation;
G. Copy of the insurance card of the insured.
②Annexed medical treatment to group accidental injury
A. Copy of passport of the insured;
B. Process of the accident and its proof (A proof
of accident provided by the communications department
of the police has to be presented in case a traffic
accident occurs);
C. Diagnoses certificate and the medical records and
medical examination receipt, diagnoses with medical
charge, assist examination record of ultrasonic, CT,
X-ray, nuclear and magnetic etc.
D. Copy of the insurance card of the insured.
③Group medical treatment in hospital
A. Copy of passport of the insured;<
B. Process of the accident and its proof;
C. Original copy of diagnoses certificate and receipt
and detailed documents for hospitalization;
D. Copy of the insurance card of the insured
④Account number of the insured or the school in designated
bank and the signature or school’s seal is to be annexed
to each of the claim settling documents.
Notes:
1. Where in one insured incident, the insured has
to be treated in two or more hospitals, diagnoses
certificate from those aforesaid hospitals and the
medical records and other documents in respect thereof
shall be presented.
2. The insured shall get treatment in hospitals which
are public medical institutions and at least in second
rank.
3. After the insurance company settles a claim, dividable
medical charge bill sealed by the insurance company
and the indemnity will be sent to the applicant so
as to compensate the remaining medical charge.
4. Application of Nursing Fee:
(1) Materials the insured is required to submit: Receipt
of nursing fee issued by the hospital;
(2) Materials required from the applicant’s working
unit: Receipt of nursing fee issued by the hospital
or letter of identification with nurse’s signature
and official seal of the unit of applicant;
5. Materials sent to: the appointed local branches
subordinated to China Ping An Life Insurance. |