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美亚外籍人士医疗保险(GolbalHealth Insurance)

时间:2010-08-12 23:31来源:未知 作者:admin 点击:

  

GHSH400 Plan GHSH400计划摘要

l 1、Worldwide coverage with benefit level up to US$2,000,000 per year
全球范围内每保险年度最高保险金额2,000,000美元
养老保险查询
l 2Direct billing with international provider network in Shanghai
在国际医疗服务机构的上海、北京、广州、深圳、成都和重庆等分支机构就医时享受免付费

l 3、Outpatient benefits
提供门诊保障

l 4、Maternity and Dental options

保险


可选择附加生育和齿科保障

l 5No deductibles or co-payment
没有免赔额和自负额

l 6、24hrs worldwide emergency assistance & Free Second Opinion Service
24小时全球急救援助和免费第二医疗咨询服务
上海平安保险公司
l 7、Corporate and individual/family plans available
团体和个人/家庭均可投保
 
Hospitalization and Outpatient Surgery
住院与门诊手术费用补偿
 
 
Room and Boarding including nursing care
全部床位费用,包括护理费用
Fully Covered
Parental Accommodation (as an added bed, same room)
全部父母陪宿费用(在同一病房内加床)
Fully Covered
Theatre fees; intensive care; X-rays; laboratory tests; medicines and drugs; blood and plasma; surgical appliances; rental of wheel chairs; surgical implants
全部手术室费用、重症监护费用、X光透视费用、化验费、药物和药品费用、血液和血浆费用、外科器材费用、轮椅租金及手术植入物费用
Fully Covered
Surgeon’s Fees including pre- and post-surgical services
全部外科医生费用,包括术前、术后服务费用
Fully Covered
Anaesthetist Fees as charged
全部麻醉费用
Fully Covered
Professional Fees including physician, specialist, radiologist, physiotherapist, and pathologist fees
全部专业医生费用,包括内科医生、专科医生、放射科医生、理疗科医生和病理科医生费用
Fully Covered
Private Nursing
私人护理费用补偿
In-hospital, when certified medically necessary by an attending physician
经主治医生确认为医疗上必须的、于住院期间发生的全部私人护理费用
Fully Covered
Home nursing by a registered nurse immediately following hospitalization and on the recommendation of the attending surgeon or specialist
根据外科主治医生或专家推介、在出院后立即由注册护士提供家庭护理的费用;每一病症最多赔付日数以30天为限
Up to 30 days per Disability
Organ Transplant
器官移植费用补偿
Transplant of heart, liver, kidney, or bone marrow to a limit of
心脏、肝脏、肾脏或骨髓移植手术费用;每一病症最高给付金额以200,000美元为限
$200,000/Disability
Emergency Benefits
急救费用补偿
Worldwide emergency assistance including evacuation and repatriation by AIG Assist
由美国国际支援公司提供全球急救援助(包括撤离和运送回国)的全部费用
Fully Covered
Local Ambulance to hospital
将被保险人送往当地医院的全部救护车费用
Fully Covered
Emergency room treatment
急诊室治疗的全部费用
Fully Covered
Dental Treatment for up to 72 hours following accident damage to sound natural teeth
健全天生牙齿因意外伤害受损72小时内的全部齿科治疗费用
Fully Covered
Outpatient Benefit
门诊费用补偿
Physicians and specialists consultations
医生及专科医生门诊的全部费用
Fully Covered
Physiotherapist when certified necessary by an attending physician
经主治医生推介的理疗医生的全部费用
Fully Covered
Prescribed medicines, dressings, x-rays, diagnostic laboratory tests, and surgical appliances
处方药物、敷料、X光透视、诊断检验和外科器材的全部费用
Fully Covered
Complementary Medicine
补充医疗费用补偿
Physiotherapist without certification from an attending physician, chiropractor, acupuncturist, osteopath, homeopath, bone setter, and Chinese medicine practitioner combined up to a per person-limit of
理疗师(无需主治医生推介)、脊柱矫正医师、针灸师、整骨医生、同种疗法医师、正骨师及中医师提供服务的费用;每一被保险人每保险年度最高给付金额以500美元为限
$500/year
Mental or Nervous Disorders
精神或神经功能紊乱医疗费用补偿
Inpatient treatment up to a per-person limit of
住院费用;每一被保险人每保险年度最高给付金额以5,000美元为限,同一被保险人终生累计给付金额以10,000美元为限
$5,000/year
$10,000/lifetime benefit
Optional:
Maternity Benefits
生育保障(可选)
For pregnancy beginning not less than 90 days after the start of coverage, prenatal and postnatal services, costs of delivery including all hospital and professional fees, server Complications of Pregnancy as specified in Policy, and up to seven days of nursery care to a per-pregnancy limit of
对于90天等待期后开始的妊娠,补偿产前和产后服务、分娩费用(包括一切医院和医生费用)、保单定义的严重妊娠并发症及最多7天的婴儿室护理费用;同一次妊娠累计给付金额以8,000美元为限
$8,000
AIDS/HIV Coverage
艾滋病、人类免疫缺陷病毒保障
Coverage will apply when signs or symptoms present for the first time after five (5) years continuous coverage under the Policy and any renewal thereof, to an all inclusive limit of
保险合同生效5年后首次出现征候或症状的,保障方才生效;同一被保险人终生累计给付金额以100,000美元为限
$100,000/life time benefit
Hospice Care
收容/临终关怀保障
Hospice / Palliative Care
同一被保险人收容/临终关怀保障终生累计给付以5,000美元为限
$5,000/life time benefit
上海社会保险

 

上海平安保险

Basic plan: Maximum benefits up to $2,000,000 per year
No deductibles or co-payment
 
GHSH400计划年缴保费表
主险:每保险年度最高保额2,000,000美元
无免赔额或自负额

Annual Premium in US Dollars年缴保费(美元)
 
Worldwide
全球保障
North American Exclusion (1)
全球除北美地区外的保障(1)
Age年龄
GHSH 400 (2)
GHSH 400 XMA (3)
GHSH 400 (2)
GHSH 400 XMA (3)
0-18
2,536
2,536
1,670
1,670
19-25
3,321
3,155
2,185
2,075
26-30
4,499
4,272
2,960
2,812
31-35
4,778
4,539
3,145
2,987
36-40
4,922
4,676
3,239
3,077
41-45
5,959
5,661
4,011
3,811
46-50
6,755
6,292
4,546
4,234
51-55
7,952
7,952
5,298
5,298
56-60
9,707
9,707
6,859
6,859
61-65
13,646
13,646
10,233
10,233
  66-70 (4)
15,693
15,693
11,768
11,768
  71-75 (4)
18,832
18,832
14,121
14,121
社会保险

 
Remark:
(1)    If you elect the North American Exclusion, coverage in North America will be limited to sudden illness and accident injury while traveling in North America.
(2)    GHSH400 plan includes Maternity Benefits. The 90-day waiting period for maternity benefits applies to policies when two or more Insured Persons are covered under this plan. A 15-month waiting period for maternity benefits applies to policies when a single Insured Person is covered under this plan.
(3)    GHSH400XMA plan does not include Maternity Benefits.
(4)    Rates for 66 to 75 are applicable for renewal only.
备注:
(1)    如果您选择了“全球除北美地区外的保障”,那么当您在北美地区旅行时,您的保障仅限于突发疾病和意外伤害。
(2)    GHSH400计划包括了生育保障。同一计划下有两位或两位以上被保险人享有生育保障的,生育保障等待期为90
天。同一计划下仅有一位被保险人享有生育保障的,生育保障等待期为15个月。
(3)    GHSH400XMA计划不包括生育保障。
(4)    66至75岁费率仅适用于续保。
 
Eligibility
The following basic eligibility rules apply for the GHSH 400 plan:
n Person to be insured must be between the ages of 15 days and 65 years at the time of application.
n Foreign passport holders with a valid residing visa of People’s Republic of China.
n The Applicant may add his/her spouse, and any unmarried children below age 19 to the Policy.
   Children cannot be added to the Policy unless a parent or a legal guardian is an insured person.
   An unmarried child who is over 19 but less than 23 may also be added if enrolled in full-time education.
n Children born to an insured mother may be added 16 days after birth upon request.
   No premium will be charged for the remainder of the policy year for that child.
投保资格
投保GHSH400计划需满足下列基本资格:
n 投保时被保险人年龄在出生满15天至65周岁之间。
n 被保险人持有外国护照并在中华人民共和国拥有有效居住签证。
n 主被保险人可同时为其配偶和未满19周岁的未婚子女投保;
除非儿童的父母之一或一个法定监护人已经投保,否则儿童不能投保;
一个大于19周岁、小于23周岁且正在接受全日制教育的未婚子女也可投保。
n 若母亲已经是被保险人,则其新生子女在出生满16天后经申请可以投保;且无需支付该新生子女在当个保险年度
剩余期间的保费。
 
Please note:
This summary has been prepared to assist you in evaluating the benefits provided by the GHSH 400 plan. All benefits shall be paid at Reasonable and Customary Charges for the jurisdiction where services are rendered.
For complete details of plan benefits, conditions, limitations, and exclusions, you should refer to the policy, schedules, and endorsements, copies of which will be provided upon request. The Underwriter reserve the right to modify or retract any of the plans, benefits, terms, and conditions described without prior notice.
请注意:
此份摘要是为了帮助您评估GHSH400计划所提供保障而准备的。所有保障将按照服务发生地合理、惯例的费用给付。
如需详细了解保障利益、条件、限制和除外责任,请您参阅保单、保险责任明细和批单(我们会根据您的要求向您提供相关的复印件)。核保员保留未经预先通知修改或撤回前述计划、保障、条款和条件的权力。
 
[This brochure does not form a part of the insurance contract. Please refer to the provisions in the insurance contract. Should there be any inconsistency between the provisions in the insurance contract and this brochure, the provision in the insurance contract shall prevail.]
『本简介不构成保险合同的一部分。具体内容请参见保险合同条款。若保险合同条款与本简介有不一致之处,以保险合同条款为准。』
Optional Dental Plan Benefits
附加齿科医疗保险(可选)
The company will pay Reasonable and Customary Charges for the following dental treatment performed by a Dentist or oral Hygienist for the annual premium per member of :
若任何被保险人于保险期间内接受牙科医生或口腔保健员施行的下列牙科治疗,本公司将以各项赔偿限额为限补偿该被保险人因此而支付的合理且必须的费用: 

Age:0-65投保年龄0-65周岁
US$ 400保费400美元
Routine Dental Treatment常规牙科治疗
l Examinations检查
l Tooth cleaning洁牙
l Normal compound fillings普通复合充填补牙术
l Porcelain Crowns烤瓷全冠牙
l Extractions拔牙术
up to US$700 per year
每保险年度最高700美元
Major Restorative Dental Work成年人牙科修复术
l Removal of impacted, buried or unerupted teeth
拔除阻生牙、掩埋牙或未萌牙
l Removal of roots牙根移除
l Root Canal Treatment牙根管治疗
l Removal of solid odontomes牙结石剔除
l Apicectomy颞骨切除术
l New or repair of Bridge Work牙桥托安装或修复
l New of repair of Crowns牙全冠安装或修复
l New or repair of Upper and lower Dentures
假牙安装或修复
up to US$1,500 per year
每保险年度最高1500美元
买保险

 
Definitions定义
“Dentist” shall mean a properly qualified practitioner other than a relative of any Insured Person by blood or marriage, who is licensed by the competent authorities of the country in which treatment is provided to render dental treatment, and who is rendering such treatment is practicing within the scope of his or her licensing and training.
“牙科医生”系指与任何相关被保险人无血缘或婚姻关系,并获其行医所在国主管当局颁发的行医执照并在该执照和所受培训范围内提供牙科治疗的适格的从业人员。
 “Oral Hygienist” shall mean a properly qualified employee of a Dentist who is licensed, if required, by the competent medical authorities of the country in which treatment is provided to render services such as cleaning and anaesthesia, and who is rendering such treatment at the direction of, and under the direct supervision of, a licensed Dentist.
“口腔保健员”系指受雇于或服务于牙科医生,或该牙科医生行医所在国主管当局颁发提供洁牙与麻醉等服务执照、并在有执照的牙科医生的指导与直接监督下提供前述服务的适格人员。
 Terms & Conditions条款和条件
All dental conditions requiring treatment as of the first visit of the relevant Insured Person to a Dentist on or after the Policy Effective Date shall be deemed to be pre-existing conditions for the purpose of the policy and liability of the Company to pay benefits for such dental conditions shall be identified or diagnosed at such first visit to a Dentist.
相关被保险人在本保险生效日当日或之后首次就诊即需要医治的所有牙病,应被视为本保险项下的受保前病症。首次就诊时应确认本公司于本附加险项下应承担的保险责任,或做出诊断。
On such first visit to a Dentist, a full dental examination shall be performed and a full set of dental x-rays shall be taken. The cost of such first visit to a Dentist, including the fees of the Dentist and the cost of the x-rays, shall be covered under the policy. A complete dental examination report of the relevant Dentist must be submitted with the first claim for the benefits under these optional dental benefits.
被保险人应在本保险生效后立即进行牙科检查,以确定其是否存在受保前病症。在首次接受牙科医生诊断时,应进行全套牙科检查与全套X-光检测。首次就诊于牙科医生的费用,包括牙科医生诊断费用和X-光检查费应在本保险承保范围内。首次于本附加险项下提出索赔申请时必须提供相关牙科医生出具的全套牙科检查报告 
This Dental Plan will be issued as an endorsement to AIG GlobalHealth medical plan GHSH400 or 350 Plan only.
本附加险仅可附加于美亚外籍人士医疗保险GHSH400和GHSH350计划。
[This brochure does not form a part of the insurance contract. Please refer to the provisions in the insurance contract. Should there be any inconsistency between the provisions in the insurance contract and this brochure, the provision in the insurance contract shall prevail.]
『本简介不构成保险合同的一部分。具体内容请参见保险合同条款。若保险合同条款与本简介有不一致之处,以保险合同条款为准。』
 





秦华 『上海买保险』上海地区人寿保险资深寿险顾问 上海外籍人士买保险-高端人士医疗办理
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