Introduction for Foreign Students Comprehensive Insurance Schemes From China Life
保险责任 Insurance responsibility
Accidengtal death or Disease death
Outpatient service (deductible insurance RMB0, compensation ratio:100%)
Hospitalization caused by accidents(deductible insurance RMB0, compensation ratio:100%)
Disease hospitalization(deductible insurance RMB0, compensation ratio:100%)
Disease outpatient service( accumulatively deductible insurance RMB0, compensation ratio:100%, daily expense limit RMB600)
Death Insurance liability caused by accidents, illnesses
InsuredDeath which caused by accident injure or disease after the waiting period of this contract , the company will pay insurance amount stated in this insurance contract according to the policy, therefore the insurance liability of the insured shall be terminated.
Accidental disability insurance responsibility
The insured suffers accident harmand by which caused physical disability within one hundred and eighty days from the date since the accident happened , the company will pay disability insurance fees according to according to the regulation of the personal insurance disable assess standardand the attached contract of insurance amount multiplied by insurance amount paying proportion refer to disability grade.
For two or more disabilities by the same insurance accident, the company will only pay insurance fees according to one disability grade. If disability grade for every injure is not completely same and if the heaviest disability grade is only one place, the company will pay insurance fees according to the insurance amount paying proportion refer to the heaviest disability grade; if disability grade for every injure is completely same and there are two or more disabilities refer to the heaviest disability grade, the company will upgrade disability grade by one level (the highest upgrade will be the first grade), and will pay insurance fees according to the paying proportion of the upgraded disability grade. For same part and nature disability, it is not able to be assessed by using two or more provisions or more than twice for same provisions according to standard articles.
The insurance compensation paying by our company will be limited to insurance amount, which are paid by one time or accumulation reaching to the agreed amount subject to this additional contract, the insurance responsibility for the insured will be terminated.
Accidental Outpatient service and accidental hospitalization insurance responsibility
During the period of this additional insurance contract, the insured suffers an accident harm, and of which accepts the medical treatment in the second class or above level hospital or other medical institution recognized by the company, the company will pay medical compensation for every medical treatment expenses caused by accident injure and of which is real paid according to the agreed proportion stated in this contract.
The insured’s medical treatment extends to the expiration of the insurance, unless otherwise stated, the company continues to be liable to assume medical insurance time limit. Outpatient service treatment will be subject to 15 days from the date following the insurance contract expiration, the hospitalization treatment will be limited to 90 days from the day following the insurance contract expired.
The medical compensation will be limited according to the stated insurance amount subject to this additional insurance contract, the insurance responsibility will be terminated when the medical expense compensation to the insured reaching to the agreed medical insurance amount by one time or more times accumulative payment.
Insured liability of hospitalized disease and disease clinic
Expense compensation responsibility of Ordinary outpatient (urgent) medical treatment
The insured paid medical expenses one or more times due to ordinary outpatient (urgent) medical treatment in the secondary or higher grade medical institution ( including secondary medical institution), the company will pay medical compensation due to ordinary outpatient (urgent) medical treatment according the agreed proportion of this additional contract. Daily medical expense is limited to RMB600, the insurance company will pay by 100% for exceeding RMB 0( starting line) by accumulation on the day sum limit basis, total accumulative payment will be limited to RMB20000.The insurance responsibility will be terminated when the medical expense compensation to the insured reaching the insurance limit amount by one timeor more times accumulative payment.
相关政策要求/ Relevant policy requirements
Dosage: acute disease 3 days,chronic diseases 7 days; Daily sum Limit: the maximum cost for daily.
Starting line: RMB0 as payment starting line for this insurance, less than this amount will not be paid.
Expense compensation responsibility for hospital medical treatment
The insured paid hospital medical expenses one or more times in the secondary or higher grade medical institution ( including secondary medical institution), hereby the hospital medical expenses refer to reasonable medical treatment expenses which including examination and inspection fees, examination and treatment fees, operation fees, medicine fees, test fees, emission fees, etc, the company will pay medical compensation according to the agreed proportion stated in the insurance contract. The insurance responsibility will be terminated when the medical expense compensation to the insured reaching the hospitalization insurance amount by one time or more times accumulative payment.
All medical institutions involved in this medical liability is limited to the public hospitals which located in the mainland of the People's Republic of China, but does not include below medical expenses which caused by the medical treatment of the branch of public hospitals, foreign guests’ ward, VIP ward, compartment, private rooms, single rooms, special clinicspecial ward, special hospital wards and senior officials inpatient ward and so on ward of similar.
Above all medical costs incurred in this medical liability is only limited to the program and medical treatment expenses conforming to the stipulations of the local socialprimary medical treatment insurance ,self-expense and part of the self-expense projects cannot be reimbursed.
If the insured person dies due to accidental injury or illness in China, the Company shall be liable for insurance (the relevant indemnity insurance money shall be used in accordance with the wishes of the insured or the wishes of his family members in one of the following ways, but the accumulated expenses shall be limited to the amount insured).
(1) Arrangement for cremation and burial in the area where the incident occurred.
If the insured's will or his family members choose to cremate at the place of the accident, the claim insurance money shall be used to bear the cost of cremation of his body at the place of the accident, but not other expenses such as religious ceremonies or unnecessary formalities. For those who choose to bury in situ, the compensation insurance fund shall be used to bear the expenses related to burial in situ within the agreed limit (the upper limit shall not exceed 10,000 yuan).
(2) Arrange for the transport of remains or ashes back to China.
Arrange regular flights to transport the body or ashes of the insured from their place of origin to the International Airport nearest to their place of residence. The claim insurance fund shall be used to cover the coffin expenses of the local international air transport standards (to the limit of the agreed amount), related handling fees and normal air transport fees, but not other expenses such as religious ceremonies or unnecessary formalities.
Note: According to the wishes of the insured or members or the entrustment of their immediate relatives, the necessary expenditure and unnecessary expenditure can be distinguished according to the actual situation. Costs for the return of remains/ashes and funeral arrangements include materials and services such as preservation, preservation, cremation, transportation and ashes boxes.
三、责任免除(Exemption from liability)
The company won’t assume insurance compensation liability due to below reasons ：
Diseases specially mentioned not subject to insurance responsibility
Unrecovered disease which happened before the validity of this additional insurance contract
The intentionally kill or injure to the insured from the insurant
The insured intentional commits a crime or resists the criminal compulsory measures in accordance with the law; the insured intentionally commits suicide, or deliberately self-injury, but except for below situation if the insured who belong to persons without capacity of civil conduct while the insured commits suicide, or deliberately self-injure.
The insured fights, drunk, taking, or injecting drugs;
The insured is drunk driving or driving without a valid driver's license or driving without a valid registration of motor vehicles;
War, military conflicts, riot or armed rebellion
Nuclear explosion, nuclear radiation or nuclear pollution;
The insured suffers from AIDS or infected with HIV or other sexually transmitted diseases
The insured has genetic diseases, congenital anomaly, deformation or chromosomal abnormalities, anamnesis (suffers from disease or the existing symptomsprior to the insurance, discontinuity during the period of insurance);
The insured is doing teeth care and teeth repair including teeth cleaning, teeth whitening, teethorthodontic, porcelain teeth, dental implant and denture fitted, etc;
The corrective surgery ortranssexual operation of the insured
Medical accidents caused by plastic surgery or other internal or surgery operation of the insured
The insured has some disease complications causing by prenatal postpartum examination, pregnancy (including ectopic pregnancy), miscarriage(abortion), accouchement (including cesarean section), contraception, sterilization,medical treatment for infertility, artificial insemination and etc.
The insured does health check (physical examination), rehabilitation, rest-treatment or special care;
The insured is not following doctor’s advice, or self taking, smearing or injecting medicine;
The insured’s medical expenses are occurred in the private hospital or drugstores which happened within the mainland of China or outside of the mainland of China
The insured takes part in below activities, such as diving, sky diving, rock climbing, adventure and martial arts game, wrestling, stunt, riskier movement, horse racing, car racing and etc.
The expense is occurred due to the insured taking trial treatment in the hospital and for the purpose of medical experiments
The insured is taken medical treatment in Taiwan, Hong Kong, Macao or outside China
The insured’s accidental death in outside mainland China region;
The insured’s medical accident caused by plastic surgery, or the other medical or surgery operations .
四、青岛定点医疗机构/Designated medical institutions
Affiliated Hospital of Qingdao University Medical College（Eastern court District）
NO.59 HaierRoad, Laoshan District,Qingdao
Affiliated Hospital of Qingdao University Medical College(Western court District )
NO.16 Jiangsu Road，Shinan District，Qingdao
Qingdao Municipal Hospital （Eastern court District）
NO.57 East Sea Road，Shinan District，Qingdao
Qingdao Municipal Hospital (Western court District )
NO.1 Jiaozhou Road，Shibei District，Qingdao
Chinese people's Liberation Army 四〇一hospital
NO.22 Minjiang Road，Shinan District，Qingdao
Qingdao Haici medical group
NO.4 Renmin Road，Shibei District，Qingdao
Qingdao Central Hospital
NO.127 Four stream Road ，Shibei District，Qingdao
The Eighth People's Hospital of Qingdao
NO.84 Fengshan Road，Licang District，Qingdao
Qingdao Chest Hospital
NO.896 middle Chongqing Road，Shibei District，Qingdao
Qilu Hospital (Qingdao hospital area)
NO.758 Hefei Road，Shibei District，Qingdao
Qingdao infectious disease hospital
NO.9 Fushun Road，Shibei District，Qingdao
The ancient town of Chengyang Qingdao orthopedics hospital
NO.518 Yinhe Road, Chengyang District, Qingdao
Qingdao Tumor Hospital
NO.19 Kaiping Road，Shibei District, Qingdao
Qingdao Fuwai Hospital of Cardiovascular Disease (except rehabilitation center)
NO.201 Nanjing Road，Shibei District, Qingdao
Qingdao Kaitai ENT specialist hospital (Department of ENT only)
NO.77 east Hong Kong Road，Laoshan District, Qingdao
四、理赔材料准备/Claim material preparation
A copy of the insured's identity certificate (passport)
Proof of the insured's student
The account owner and the account clear bank card copy
Application for settlement of claims
Materials are required according to the application
Death certificate or coroner's report issued by the public security department or a qualified medical institution (original or copy)
If the insured is declared dead, the beneficiary shall provide the declaration of death certificate issued by the people's court (original or photocopy）
The original or copy of the accident certificate issued by the relevant department
Certificate of cancellation of the insured's household registration (foreign personnel do not provide)
Beneficiary's identity certificate (passport)
Proof of relationship between the beneficiary and the
insured (issued by the embassy)
the seal of the patient's medical record (outpatient service, hospitalization)
Medical death certificate
Certificate of household registration cancellation (foreign personnel do not provide)
Beneficiary's identity certificate (passport)
Proof of relationship between the beneficiary and the insured (issued by the embassy)
Copy of beneficiary's bank card
Accidental injury leads to disability
1.二级（含）以上公立医疗机构或司法机关出具的残疾或烧伤鉴定诊断书Certificate of diagnosis and diagnosis of disability or burns issued by public medical institutions or judicial organs at or above secondary level
Original medical record
The original of the accident certificate issued by the relevant department
Legal identification of the applicant
Hospitalization due to an accident or illness
Hospitalization (after 15 days after discharge)
Original bill of special bills for inpatient fees
A detailed list of hospitalization expenses
The original of the inspection report
Outpatient treatment due to accident or disease
Outpatient medical record (corresponding to the invoice date)
The original of the outpatient fee special bill
List of expenses (if there is no provision on the invoice)
The original of the test report
Settlement time limit
Settlement claims should be submitted within 20 days after the end of treatment
After complete information, our company will pay in 15 working days