一、保险责任约定Insuranceliabilityagreement
方案一Scheme1
保险责任大类
Categoryofinsuranceliability
保险责任项目Insuranceliabilityitems
保险责任简要描述Briefdescriptionofinsuranceliability
保险金额(万元)Insuranceamount(tenthousandyuan)
寿险保险责任
Lifeinsuranceliability
疾病身故保障Diseasedeathprotection
见保险责任描述descriptionofinsuranceliability
20
意外伤害保险责任
Accidentalinjuryinsuranceliability
意外身故保障
Accidentaldeathprotection
见保险责任描述
Seedescriptionofinsuranceliability
意外身故与意外残疾保障共用保险金额
Sharinginsuranceamountforaccidentaldeathandaccidentaldisabilityprotection
意外伤残保障Accidentaldisabilityprotection
交通意外身故保障
Trafficaccidentdeathprotection
民航
Civilaviation
descriptionofinsuranceliability
30
交通意外身故保障与交通意外伤残保障共用保险金额
Trafficaccidentdeathprotectionandtrafficaccidentdisabilityprotectionshareinsuranceamount
列车、轮船
Train,ship
营运性汽车
Operationalvehicle
10
交通意外伤残保障
意外医疗保障
Accidentmedicalinsurance
合理医疗费用(不包括全自费,但包括个人首先自付部分),100%赔付
Reasonablemedicalexpenses(excludingfullself-payment,butincludingpersonalself-paymentfirst),100%compensation
4
健康保险责任
Healthinsuranceliability
费用型
Expensetype
疾病住院医疗
Inpatienttreatmentofdiseases
5
门急诊医疗
Outpatientandemergencymedicaltreatment
合理医疗费用(不包括全自费,但包括个人首先自付部分),80%赔付,次限额500元。
0.5
津贴型
Allowancetype
意外住院现金补贴
Cashallowanceforaccidentalhospitalization
按100元/天给付,最多给付180天
Payaccordingto100yuan/day,withamaximumpaymentof180days
1.8
重大疾病
Majordisease
33种重大疾病
33majordiseases
上述保险责任适用于《平安一年期团体定期寿险条款(2014版)》、《平安附加团体意外伤害保险(2020版)(A款)条款》、《平安交通团体意外伤害保险(2013版)》、《平安附加意外伤害团体医疗保险条款》、《平安附加意外伤害住院现金补贴团体医疗保险条款》、《平安附加门诊急诊团体医疗保险条款》、《平安团体重大疾病保险(2021版)(A款)》、《平安住院团体医疗保险条款》。以上条款仅承担上述协议约定保险责任,不承担条款中所列其他保险责任。
Theaboveinsuranceliabilityappliesto"PinganOne-yearGroupTermLifeInsuranceClauses(2014Edition,)PinganAdditionalGroupAccidentInsurance(2020Edition)(SectionA),PinganTrafficGroupAccidentInsurance(2013Edition),PinganAdditionalAccidentGroupMedicalInsuranceClause,PinganAdditionalAccidentHospitalizationCashSubsidyGroupMedicalInsuranceClause,PinganAdditionalOutpatientEmergencyGroupMedicalInsuranceClause,PinganGroupCriticalIllnessInsurance(2021Edition)(SectionA),PinganHospitalizationGroupMedicalInsuranceClause.Theaboveclausesonlybeartheinsuranceliabilitiesagreedintheaboveagreement,anddonotbearotherinsuranceliabilitieslistedintheclauses.
方案二Scheme2
保险责任项目
Insuranceliabilityitems
保险责任简要描述
保险金额(万元)
Insuranceamount(tenthousandyuan)
疾病身故保障
Diseasedeathprotection
意外身故保障与意外残疾保障共用保险金额
意外伤残保障
Accidentaldisabilityprotection
Trafficaccidentdisabilityprotection
上述保险责任适用于《平安一年期团体定期寿险条款(2014版)》、《平安附加团体意外伤害保险(2020版)(A款)条款》《平安交通团体意外伤害保险(2013版)》、《平安附加意外伤害团体医疗保险条款》、《平安附加意外伤害住院现金补贴团体医疗保险条款》、《平安住院团体医疗保险条款》。以上条款仅承担上述协议约定保险责任,不承担条款中所列其他保险责任。
TheaboveinsuranceliabilityappliestoPinganOne-yearGroupTermLifeInsuranceClause(2014Edition),PinganAdditionalGroupAccidentInsurance(2020Edition)(SectionA)Clause,PinganTrafficGroupAccidentInsurance(2013Edition),PinganAdditionalAccidentGroupMedicalInsuranceClause,PinganAdditionalAccidentHospitalizationCashSubsidyGroupMedicalInsuranceClauseandPinganHospitalizationGroupMedicalInsuranceClause.Theaboveclausesonlybeartheinsuranceliabilitiesagreedintheaboveagreement,anddonotbearotherinsuranceliabilitieslistedintheclauses.
二、保险费
年人均保费为人民币600元/年、500元/10个月、300元/6个月,200元/4个月。
II.InsurancePremium
TheannualpercapitapremiumisRMB600yuan/year,500yuan/10months,300yuan/6monthsand200yuan/4months.
三、指定医院
指定医院为当地基本医疗保险部门定点的二级(含二级)以上公立医院及保险人认可定点医院。但不包括不能出具电脑打印发票和费用明细清单的医院,也不包括作为诊所、康复、护理、休养、精养、戒酒、戒毒等或类似的医疗机构。该医院必须具有符合国家有关医院管理规则设置标准的医疗设备,且全天二十四小时有合格医师及护士驻院提供医疗及护理服务。若指定医院有不合理收费行为或者违反当地社会医疗主管部门的有关规定,保险人将取消该医院的指定医院资格并通知投保人。
1.急诊可以到非指定医院就诊治疗,但复诊时须到指定医院就诊治疗若因指定医院条件限制而需转至非指定医院治疗时,必须经原治病医院会诊,出具转院证明并经保险人同意;
2.所有指定医院的分院、便民(简易)门诊、家庭病房、挂床住院、外宾病区、特诊(特需)病区、特诊(特需)病房和合资、独资医院等同类病区或病房不在规定的范围内。
III.Designatedhospitals
DesignatedhospitalsarepublichospitalsaboveGradeII(includingGradeII)designatedbylocalbasicmedicalinsurancedepartmentsanddesignatedhospitalsrecognizedbyinsurers.However,itdoesnotincludehospitalsthatcannotissuecomputer-printedinvoicesanddetailedlistsofexpenses,nordoesitincludemedicalinstitutionsthatserveasclinics,rehabilitation,nursing,rest,intensivecare,abstinencefromalcohol,drugaddiction,etc.orsimilarmedicalinstitutions.Thehospitalmusthavemedicalequipmentthatmeetsthestandardssetbytherelevantnationalhospitalmanagementrules,andhavequalifieddoctorsandnursesstationedinthehospital24hoursadaytoprovidemedicalandnursingservices.Ifthedesignatedhospitalhasunreasonablechargingbehaviororviolatestherelevantregulationsofthelocalsocialmedicaldepartment,theinsurerwillcancelthedesignatedhospitalqualificationofthehospitalandnotifytheinsured.
1.Theemergencydepartmentcangotoanon-designatedhospitalfortreatment,butitmustgotoadesignatedhospitalfortreatmentwhenreturningtothehospital.Ifitneedstobetransferredtoanon-designatedhospitalfortreatmentduetotheconditionsofthedesignatedhospital,itmustbeconsultedbytheoriginaltreatinghospital,andthetransfercertificatemustbeissuedandapprovedbytheinsurer;
2.Alldesignatedhospitalbranches,convenience(simple)outpatientclinics,familywards,hangingbedhospitalization,foreignguestwards,specialdiagnosis(specialneeds)wards,specialdiagnosis(specialneeds)wards,jointventureandwholly-ownedhospitalsandothersimilarwardsorwardsarenotwithintheprescribedscope.
四、理赔服务
1.线上理赔
(1)下载平安好福利APP查询保障、自助理赔
IV.ClaimsService
Onlineclaims
(1)DownloadPinganGoodWelfareAPPtoinquireaboutprotectionandself-serviceclaims
(2)进入自助理赔页面,核实个人信息、拍照上传医疗材料影像
(2)Entertheself-serviceclaimspage,verifypersonalinformation,takephotosanduploadmedicalmaterialsimages
(3)提交申请成功,可在理赔记录中查看实时理赔进度
(3)Iftheapplicationissubmittedsuccessfully,youcanviewthereal-timeclaimprogressintheclaimrecord
线下理赔Offlineclaims
申请书Application
治疗费发票
Invoiceoftreatmentfee
费用清单
Costlist
门诊病历
Outpatientmedicalrecord
住院病历
Inpatientmedicalrecord
√
√/▲
住院医疗Inpatientcare
备注:√表示需提供相应资料原件▲表示需提供相应资料复印件
说明:
1、申请书和治疗费发票为必须提供材料。
2、必须提供就诊人员护照首页复印件及银行卡复印件。
Remarks:√indicatesthattheoriginalofthecorrespondingdatashouldbeprovided▲indicatesthatacopyofthecorrespondingdatashouldbeprovided
Description:
1.Theapplicationformandtheinvoiceoftreatmentfeearethematerialsthatmustbeprovided.
2.Acopyofthefirstpageofthepassportandacopyofthebankcardmustbeprovided.
3.Claimsconsultationtelephonenumber95511-6orexclusiveservicepersonnel18052266667(TeacherLu).