Section 2: Medical & Hospital Benefits |
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| a) The cost of a local road, rail or air ambulance to transport the insured person to the nearest suitable hospital together with a medical escort if necessary. |
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Full Cover |
Full Cover |
Full Cover |
| b) The cost of hospital accommodation in a single bedded room, all medical facilities, medical treatment and services ordered by a physician including surgeons', anaesthetists' and physicians' fees, diagnostic procedures, physiotherapy and prescribed drugs.Post-hospitalization treatment received on an outpatient basis in the three months immediately following the insured person's discharge from an in-patient admission in a hospital. |
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Full Cover |
Full Cover |
Full Cover |
| c) The costs of nursing at home when following hospitalisation and on the recommendation of the insured person's physician. |
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Up to RMB 12,000 per insured event |
Up to RMB 12,000 per insured event |
Up to RMB 12,000 per insured event |
| d) The costs of out-patient services including physician's fees, diagnostic services and prescribed drugs/dressings. |
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No Cover |
Full Cover |
Full Cover |
| e) The costs of physiotherapy, chiropractic, osteopaths, homeopaths and acupuncturist fees when referred by a physician. |
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No Cover |
up to ￥800 per visit. maximum of 20 visits per year |
up to ￥800 per visit. maximum of 20 visits per year |
| f) The purchase or hire costs of mobility aids including crutches, wheelchairs and walkers. |
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No Cover |
Up to RMB 4,000 per insured event |
Up to RMB 4,000 per insured event |
| g) The costs of treating chronic medical conditions arising after the insured person's date of entry to the Policy. |
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No Cover |
Up to RMB 80,000 per chronic medical condition |
Up to RMB 80,000 per chronic medical condition |
Section 3: Additional Transportation Benefits |
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| a) Following an emergency medical transfer or evacuation under Section 1, we will arrange and pay to transport, to a specified destination, any child left at home unattended or for the travelling costs (one return ticket) of a person to take care of the children at home. |
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Full Cover |
Full Cover |
Full Cover |
| b) Where the insured person needs an emergency medical transfer/evacuation but does not have an accompanying friend or relative, we will arrange and pay for one return trip for a friend or relative to travel to the location where the insured person is hospitalised. |
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Full Cover |
Full Cover |
Full Cover |
| c) Overnight accommodation costs for a friend or relative to stay near the insured person while hospitalised. |
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Up to RMB 800 per night for a maximum of 10 nights per insured event |
Up to RMB 800 per night for a maximum of 10 nights per insured event |
Up to RMB 800 per night for a maximum of 10 nights per insured event |
