Insurance Package One(Ping An Annuity Insurance Company, Ltd., RMB 800)

Download the detailed information of  Chinese Version of Insurance Package One and the English Version of Insurance Package One here.

To participate in conditions:
International students: international students in China, students from Hongkong and Macao and overseas Chinese students (identity need to be proved by relative authority) in healthy condition from 6 to 69 are eligible to this policy.
Insurance coverage
Ping An shall undertake the following insurance liabilities during the period of insurance (Insurance period( from the valid date of policy to the end of the insurance period)
1、Death insurance:
Where the insured dies due to accidents or illness (including SARS), Ping An shall pay the insurance as per the stipulated amount of insurance, hence termination of the insurance liability.
2、Accidental disability insurance:
Where the insured suffers from any accident which disables the insured within one hundred and eighty days from the date of the accident, Ping An shall conduct the disability assessment of the insured and 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”, a rider to “Ping An Additional Disability Guarantee & Accidental Injury Insurance (Clause A)” (2013 version). Where the treatment hasn't finished on the one hundred and eightieth day, the disability evaluation shall be made on the basis of the Insured’s physical condition on the said day and the “Insurance of Accidental Disability” shall be paid accordingly. 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 accidental disability of each insured shall not exceed the total insurance amount of the insured, when the amount accumulatively paid has reached the insurance amount, this insurance liability for the insured shall be terminate.
3、Medical Insurance for Accidental Injury:
Where the insured suffers accidental injury and receives treatment within one hundred and eighty days after the occurrence of the accident, Ping An shall pay medical insurance for accidental injury as per 100% according to the reasonable medical expenses actually paid (excluding items and medicine costs which are not within the reimbursement scope and shall be borne entirely or partially by the insured on his/her own), and the amount accumulatively paid won't exceed the stipulated amount of insurance. No matter the insured suffers one or more accidental injuries, Ping An shall pay the “medical insurance for accidental injuries” respectively according to the above stipulations, yet the amount accumulatively paid won't exceed the total insurance amount of the insured. When the amount accumulatively paid has reached the insurance amount, this insurance liability for the insured shall be terminated.
4、Outpatient and Emergency Medical Insurance:
Within the valid period of insurance policy (the waiting period shall be excluded), where the insured receive outpatient or emergency medical treatment because of illness and incur actual and reasonable expenses for medical treatment, Ping An shall be liable for 85% of the payment that has left after RMB650 being deducted from the original payment amount. During the same insured period, Medical treatment expenses generated by all the foregoing medical liabilities are limited to the items and expenses that can be reimbursed in accordance with the local regulations of social basic medical insurance（excluding items and medicine costs which are not within the reimbursement scope and shall be borne entirely or partially by the insured on his/her own）. The cost limit of reasonable medical treatment (maximum amount of reasonable medical treatment) for outpatients is RMB600 per day. As far as medication duration is concerned, the regulation is 3-day medication for acute disease and 7-day medication for chronic disease, the insurer shall not be liable for the payment of treatment cost which exceeds the daily maximum amount of reasonable medical treatment or the medication duration. The accumulative amount to be paid shall not exceed the insurance amount of the insured. The insurance liability shall be terminated once the accumulative amount of payment reaches the sum insured. The fees occurring from general outpatient treatment, emergency treatment, outpatient surgery, hospitalization for observation, emergency rescue, and quarantine cost due to infectious diseases that is certified by the public hospital or department of public health and epidemic prevention, and outpatient and emergency treatment before and after hospitalization that arise from the same cause of disease are all included in outpatient and emergency treatment insurance scheme..
5、Hospitalization and Medical Insurance:
Within the valid period of insurance policy (the waiting period shall be excluded), where the insured must be hospitalized due to accidental injury or due to illness (including SARS) after the enforcement date of the insurance policy，Ping An shall be liable to pay the "inpatient medical insurance" as per 100% according to the reasonable expenses actually incurred including nursing fee (the confirmed nursing standard according to doctor‘s advice during the hospitalization, maximum of RMB150 per day for accumulative 30 days), medical-record, heating, air-conditioning, bed fee (maximum of RMB300 per day) , special examination and treatment expenses, medicine fees, treatment fees, laboratory fees, radiology fees, inspection and examination fees（excluding items and medicine costs which are not within the reimbursement scope and shall be borne entirely or partially by the insured on his/her own）. No matter the insured is hospitalized for once or several times, the Company will pay the insurance within the prescribed limit and when the amount accumulatively paid has reached the insurance amount, the insurance liability will terminate. 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) Medical organizations which are involved in all the foregoing medical liabilities 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 VIP ward single room. shall be excluded from the insurance.
2) Medical treatment expenses generated by all the foregoing medical 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.
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 or outpatient 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.
4) If any third party has partially or fully paid any above-mentioned medical treatment fees, Ping An shall be liable only for the rest amount of reasonable fees that are in accordance with the payment scope of the local social medical insurance. But the fees for nursing, bed and other fees within the insurance coverage are also limited. If the third party has a specified proportion for payment, then Ping An shall be liable only for the payment within its proportion deducting the already paid amount. If the third party has no specified proportion for payment, then Ping An shall be liable for the rest, not exceeding the insured sum, of the limited amount in accordance with the regulations of the local social medical insurance and with a deduction of the standard amount of this item.
Liability Exemption
1、Death liability exemption (Ping An shall be exempted from the insurance liabilities for the death of the insured caused by any of the following circumstances):
(1) The policyholder or beneficiary to the insured deliberately kills or injures the insured;
(2) The insured commits any crime, or resists criminal coercive measures taken lawfully, or commit suicide (unless the insured is a person without capacities of civil acts when committing suicide);
(3) The insured proactively takes or injects drugs;
(4) The insured drives after drinking, or drives without a license, or drives motor vehicles without a valid driving license;
(5) War, military conflict, riot or armed rebellion;
(6) Nuclear explosion, radiation or pollution;
(7) The insured dies outside mainland China;
(8) The insured provide fake information for insurance, or foreign experts/teacher taking out an insurance policy as a student;
(9) Accident incurred when the foreign students are engaged in part-time jobs.
2、Accidental disability liability exemption (Ping An shall be exempted from the insurance liabilities for the accidental injury and disability of the insured caused by any of the following circumstances):
(1) The circumstance defined in article(1)，article(3) to (6),and article (8) to (9) of the above-mentioned death liability exemption;
(2) The deliberate self-injuries of the insured, or the insured intentionally commits a crime, or resists criminal coercive measures taken lawfully;
(3)The injuries occur when the insured is pregnant (ectopic pregnancy included), miscarries or gives births (cesarean delivery included);
(4) The injuries of the insured were caused by medical malpractice, drug allergies, or mental and behavioral disorders (please refer to the “International statistics classification regarding diseases and related health issues (ICD-10)” of WHO);
(5)The insured takes medicines without the permission of doctors (excluding OTC medicine taken in accordance with the instructions for use);
(6)Bacterial or viral infections (open wound infections caused by accidents are excluded though);
(7) The insured is engaged in high-risk sports such as underwater diving, parachuting, rock-climbing, bungee jumping, paragliding, expedition, wrestling, martial arts, stunts, horse-racing, automobile racing, etc;
(8) The accidental injuries or disabilities of the insured occur outside mainland China.
3、Exemption for Medical Treatment Liability of Outpatient, Emergency and Inpatient (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) The circumstance defined in article (1) to (6), and article (8) to (9) of the above-mentioned death liability exemption;
(2) Congenital malformation，deformity and chromosome abnormality;
(3) Specific diseases that are clearly defined not to be included in the policy;
(4) Existing disease (disease or symptoms that already exist prior to the date of insurance);
(5)Mental and behavioral disorders (please refer to the “International statistics classification regarding diseases and related health issues (ICD-10)” of WHO) and venereal disease;
(6)Infertility treatment, artificial insemination, pregnancy, miscarriage or delivery on the part of the Insured, abortion ,birth control（including sterilization）, prenatal and postnatal check and complications caused by above-mentioned causes;
(7)Medical accident occurring to the Insured because of cosmetic surgery or other surgical operations;
(8)Expenses incurred for recuperation, orthopedics, vision correction, plastic surgery, dental care, rehabilitation therapy, or cosmetic surgeries that are not caused by accidents;
(9)Health check (physical examination), recuperation, convalesce and special nursing treatment on the part of the insured;
(10) Taking, application or injection of medicine without the permission of doctor on the part of the insured;
(11)Medical expenses incurred outside the Chinese mainland or in private hospitals of the Chinese mainland;
(12) Charge of telephone, transportation, etc. on the part of the Insured;
(13)Sports and athletic activities of high risk that only professionals participate. (The Insured engages in high risk activities such as underwater diving, parachuting, paragliding, roller skating, skiing, skating, bungee jumping, rock climbing, wrestling, judo, taekwondo, martial art, karate, fencing, etc;
(14) Experimental treatment and costs incurred for medical experiment purpose on the part of the insured;
(15)The insured should turn to medical treatment in strict accordance with the hospital admissions standards. If not, the insurer does not reimburse the cost of hospitalization;
(16) Fees incurred without reporting the case in advance through the guidance channels of medical treatment or under non-emergent circumstances.
4、Accidental medical liability exemption (Ping An shall be exempted from the insurance liabilities for the insured caused by any of the following circumstances):
(1)The circumstance defined in article (1), article (3) to (6), and article (8) to (9) of the above-mentioned death liability exemption;
(2)The circumstance defined in article (3) to (7) of the above-mentioned accidental disability liability exemption;
(3)The deliberate self-injuries of the insured, or the insured intentionally commits a crime, or resists criminal coercive measures taken lawfully;
(4)Different types of protrusion of intervertebral disc (including bulging intervertebral disc, protrusion of intervertebral disc，slipped disc，sequestered disc, etc.);
(5)Ping An shall no be liable for payment of items and medicine which are not included in the reimbursement scope according to the social medical insurance regulations (including public medical services and labor insurances) made by related administration authorities, which shall be borne entirely or partially by the insured on his/her own;
(6) Medical expenses occurring to the insured outside mainland China or with private hospitals inside China.

Insurance premium