Comprehensive Insurance & Protection Scheme for Foreigners Staying in China of Ping An Annuity Insurance Company, Ltd.

To participate in conditions:

International students: international students in China, students from Hongkong and Macao and overseas Chinese students (identities are needed to be proved by relative authority) in healthy condition, able to participate in study normally and from 6 to 69 are eligible to this policy.

Insurance Liabilities:

Ping An shall undertake the following insurance liabilities during the valid period of insurance (Insurance period (from the valid date of policy to the expiry date of the insurance period))

1.      Death insurance:

Ping An shall pay the stipulated amount of insurance compensation if the Insured dies of any accident or disease. Insurance liabilities thus terminate.

2.      Accidental disability insurance:

If the Insured suffers from any accident which results in any disability listed in the Injury and Disability Assessment Criteria for Personal Insurances within 180 days since the occurrence of the accident, Ping An shall assess the injury and disability according to the assessment principles stipulated by this Criteria, unless otherwise stipulated, Ping An shall pay the accidental disability insurance money, whose amount shall be calculated based on the multiplication of the proportion stipulated in this Criteria, which is corresponding to the assessment result, by the sum insured, which is corresponding to insurer’s responsibilities. 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 evaluation results. .

If, with the disability resulted from this accident and the previous disability combined as a more serious disability according to the Injury and Disability Assessment Criteria for Personal Insurances, the insurance shall be paid in accordance with the standard for the more serious disability, but the insurance of accidental disability which has been paid previously (disabilities listed in the Injury and Disability Assessment Criteria for Personal Insurances have taken place before purchase of insurance or caused by events under Liability Exemption, shall be deemed as having been compensated already) shall be deducted therefrom.

The accumulative amount of accidental injury and disability insurance payment shall not exceed the insured sum of the insured. If the accumulative amount of payment exceeds the insured sum of the insured, then the insurance liabilities to the insured thus terminate.

Note: Injury and Disability Assessment Criteria for Personal Insurances, is accessible from the website of INSURANCE ASSOCIATON OF CHINA.

The accumulative amount of insurance payment of each insured for accidental disability, accidental death or death of disease shall not exceed the insured sum of the insured’s total insurance for the accidental disability, accidental death or death of disease.

3.      Medical Insurance for Accidental Injury:

If the Insured, who suffers from the accidental incident, receives medical treatment within 180 days since the occurrence of the accident, the Insurer shall be liable for the full amount of the reasonable and necessary expenses actually paid by the Insured for the medical treatment, but the accumulative amount of payment shall not exceed RMB 20,000. Whether an accidental injury happens to the Insured for once or several times, the Insurer shall pay the “medical insurance for accidental injury” respectively in accordance with the foresaid provisions, but the accumulative amount of payment shall not exceed the insured sum of the Insured. When the accumulative amount of payment reaches the insured sum of the Insured, the said insurance liability for the said Insured shall be terminated.

That is: the accidental injuries such as bruises of bumps, burns, sprained ankle, accidental cut- wound when cutting vegetables, scratches and bites by cats and dogs.

Reimbursement equation: total amount of reasonable expenditure * 100%=reimbursable amount (the total amount of reasonable expenditures shall exclude the self-paid or partly self-paid items and expenses stipulated by the local regulations of the social basic medical insurance)

4.      Outpatient and Emergency Medical Insurance:

The reasonable and necessary expenses incurred by the Insured for receiving outpatient or emergency medical treatment because of illness, within each insurance time, the daily limit for outpatient is RMB600(that said, for the medical expense of the day exceeding RMB 600 shall be calculated as RMB600, for the medical expense of the day not exceeding RMB600 shall be calculated by the actual amount). For the medical expenses exceeding the starting line of RMB650, the remaining amount after deducting RMB650 will be reimbursed at a percentage of 85%, and the accumulative payment shall not exceed the limit of RMB20000. The insurance liability shall be terminated once the accumulative amount of payment reaches the sum insured.

The fees of general outpatient treatment, emergency treatment, outpatient surgery, hospitalization for observation, emergency rescue, isolation due to infectious diseases that is certified by the public hospital or department of public health and epidemic prevention, and expense or cost of outpatient and emergency treatment before and after hospitalization that arise from the same cause of disease are also deemed as outpatient and emergency treatment.

That is: being treated in the outpatient or emergency for fever, sudden abdominal pain, faint, and inflammation etc.

Reimbursement equation: (the expense of each day within the daily limit add up-650) * 85%=reimbursable amount (the total amount of reasonable expenditures shall exclude the self-paid or partly self-paid items and expenses stipulated by the local regulations of the social basic medical insurance)

Notes:

Daily limit: The top claim limit of available medical cost

Starting-line to pay the limitation: RMB 650 (accumulative for one time during one valid insurance period). Below the starting-line, there is no claim.

5.      Hospitalization and Medical Insurance:

If diagnosis confirms that the Insured must be hospitalized for treatment because of suffering from the accident or the illness, Ping An shall pay 100% of the “hospitalization and medical insurance” to the insured with regard to the actual and reasonable expenses for medical treatment, including reasonable and necessary fees for nursing (limited to RMB 200 Yuan per day and accumulate up to 60 days), medical record, heating, air-conditioning, bed, examination, special examination and treatment, operation, medicine, treatment, laboratory test, radiation, etc.

During one valid insurance period, whether the Insured is hospitalized for once or several times, the Insurer shall pay the insurance payment as per compensation rule, but the insurance liability shall be terminated once the accumulative amount of payment reaches the limitation of RMB 400,000.

That is: if diagnosis confirms that the insured must be hospitalized for treatment because of suffering from the injury or illness, the insured may apply online for advanced payment by the hospital or at his own expense of medical expense for hospitalization and reimburse later.

Reimbursement equation: reasonable hospitalization expenditure * 100%=reimbursable amount (the total amount of reasonable expenditures shall exclude the self-paid or partly self-paid items and expenses stipulated by the local regulations of the social basic medical insurance)

 

Note:

1Medical organizations which are involved in all the foregoing medical insurance liabilities are limited to the public hospitals established within the border of the Mainland China; However, for the insured who are treated in sub-branch of public hospitals, ward area for foreigners, ward area for VIPs, private room, Class A ward, separate ward room, ward area for special treatment and needs, ward for special treatment and needs, ward for high-ranking officials, or similar ward area, shall be excluded from the insurance, then all medical expenses incurred by such shall not be covered by the insurer.

2Medical treatment expenses generated by all the foregoing medical insurance liabilities are limited to the items and expenses that can be reimbursed in accordance with the local regulations of social basic medical insurance, the self-paid or partly self-paid items and expenses cannot be reimbursed by the insurer.

3) For the insured who apply for the insurance for the first time or the insured who is not continuously insured, the first 30 days since the purchase of the insurance is waiting period (observation period). Where the insured is hospitalized or treated in outpatient during the waiting period and related medical cost is occurred, the insurer bears no liability of compensation. The treatment for the insured of continuously insured or the Insured suffered from an accident is not subject to any waiting period.

4If any third party has partially or fully paid any above-mentioned medical treatment fees, Ping An shall be liable for the remaining amount of reasonable fees that are within the reimbursable payment scope of the local social basic medical insurance. But the limited portion of the fees for the bed, nursing, outpatient and emergence treatment within the daily limitation is also limited; if the third party has a specified proportion for payment of the limited sum, Ping An shall be liable only for the remaining amount after deducting the already paid amount from the limited sum. If the third party has no specified proportion for payment, then Ping An shall be liable for the remaining amount, but not exceeding the insured sum, after deducting the standard amount of this item from the limited sum which takes the regulations of the local social medical insurance as the standard.

5) 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.

Liability Exemption

I. Liability Exemption for Death and Disability Insurance

Ping An shall be exempted from the insurance liabilities for death and disability caused by any of the following circumstances on the part of the Insured:

1.        Deliberate killing or injury conducted by the policy-holder or beneficiary to the Insured;

2.        Deliberate self-harm, suicide, intentional crime, resistance to criminal compulsory measures taken according to law on the part of the Insured;

3.        Fighting, drunkenness and active taking, sucking or injection of drugs on the part of the Insured;

4.        Driving under the influence, driving without a legal and valid driving license or driving a motor vehicle without a valid driving license on the part of the Insured;

5.        War, military conflict, riot or armed rebellion;

6.        Nuclear explosion, nuclear radiation or nuclear pollution;

7.        Pregnancy, abortion, miscarriage, delivery (including caesarean birth) , birth control, treatment of infertility, contraceptive sterilization, artificial impregnation and related complication on the part of the Insured;

8.        Medical accident occurring to the Insured because of cosmetic surgery or other surgical operations;

9.        Taking of medicine (excluding OTC medicine taken according to instructions) without permission of doctor on the part of the Insured;

10.    During the period when the Insured suffers from AIDS or is infected with AIDS virus (HIV-positive);

11.    The Insured engages in high risk activities such as diving, parachuting, mountain-climbing, bungee jumping, paragliding, expedition, wrestling, martial art, stunt performance, horse racing, car racing, etc.

12.    The Insured passes away or becomes disable outside the mainland China.

13.    Providing false insurance information, or international experts and teachers taking out an insurance policy as a student;

14.    Those accidents that occur during the time when foreign students do their part-time work;

If the Insured is caused dead in any of the foregoing circumstances, Ping An shall terminate the insurance liability of the Insured.

 

II. Liability Exemption for Medical Insurance Liability (Medical Treatment of Accidental Injury, Outpatient, Emergency and Hospitalization)

Ping An shall be exempted from the insurance liabilities for medical expenses caused by any of the following circumstances on the part of the Insured:

1.        Deliberate killing or injury conducted by the policy-holder or beneficiary to the Insured;

2.        Deliberate self-harm, intentional crime or resistance to criminal compulsory measures taken according to law on the part of the Insured;

3.        Fighting, drunkenness and active taking, sucking or injection of drugs on the part of the Insured;

4.        Driving under the influence, driving without a legal and valid driving license or driving a motor vehicle without a valid driving license on the part of the Insured;

5.        War, military conflict, riot or armed rebellion;

6.        Nuclear explosion, nuclear radiation or nuclear pollution;

7.        The insured suffers from congenital diseases, hereditary diseases, existing disease (disease or symptoms that already exist prior to the date of insurance and non-continuous within the insurance period);

8.        The insured suffers from AIDS or HIV infection, sexually transmitted diseases;

9.        Pregnancy, miscarriage or delivery on the part of the Insured, infertility treatment, artificial insemination, prenatal and postnatal check, birth control, abortion and complications caused by above-mentioned causes;

10.    Medical accident occurring to the Insured because of cosmetic surgery or other surgical operations;

11.    Expenses of orthopedics, correct procedure, plastic surgery or rehabilitation therapy received by the Insurer;

12.    Health check (physical examination), recuperating healing, convalesce or special care

13.    Taking, application or injection of medicine without the permission of doctor on the part of the Insured;

14.    Medical expenses incurred outside the Mainland China or in private hospitals within the Mainland China, and expenses incurred in drug stores and companies of medical apparatus and instruments;

15.    Charge of telephone, transportation, etc. on the part of the Insured;

16.    Sports and athletic activities of high risk only professionals participate.(The Insured 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.    Providing false insurance information, or the international experts and teachers taking out an insurance policy as a student.

18.    Experimental treatment and costs incurred for medical experiment purpose.

19.    The insurant should turn to medical treatment in strict accordance with the hospital admissions standards. If not, the insurer does not reimburse the cost of hospitalization.

20.    Medical treatment fees incurred without consulting in advance by dialing 400 telephone numbers or not approved.

21.    Relevant expenses incurred by foreign students during the time when they do their part-time work. 

Insurance premium

Insurance Liabilities
 
RMB Insurance Amount
(Yuan) RMB
Age 6-69
(International Student)
Insurance Premium
(Yuan per half a year per person)
Insurance Premium
(Yuan per year per person)
Liability for Death + Accidental Disability
100000
400
800
Medical Treatment for Accidental Injury
20000
Medical Treatment for Outpatient and Emergency (With the daily limit of RMB600,beyond the start to pay limit of RMB650, the insured can enjoy 85% of reimbursement)
20000
Hospitalization Medical Treatment
400000

Note: Matters not mentioned herein shall be executed according to “Ping An Additional Disability Guarantee Group Accident Insurance (2013) (Clause D)”, “Ping An One-year Group Term Life Insurance”, “Ping An Additional Accidental Injury Group Medical Insurance”, “Ping An Inpatient, Outpatient and Emergency Comprehensive Group Medical Insurance” and “Ping An Inpatient Group Medical Insurance”.

This program is an insurance product mix.

If contradiction arises as regards the above contents, elaborations in Chinese shall prevail.