1. The insurance premium is paid in advance for specific diseases, and the basic amount of insurance premium can be paid in one lump sum for the first visit of specific diseases as agreed in the contract.
2. Medical insurance for specific diseases must be reimbursed reasonably according to the contract.
3. Non-specific diseases Only when medical insurance diagnoses non-specific diseases can compensation be made according to the contract.
This product has the following four protection plans:
Option 1: diagnosis of special diseases is not compensated. General medical insurance coverage is 500,000, deductible is 654.38+0,000, critical illness medical insurance coverage is 500,000, deductible is 0, and the total compensation limit within 20 years is 4 million.
Scheme 2: The compensation for the diagnosed special disease is 654.38+00000, the general medical insurance is 500,000, the deductible is 654.38+00000, the medical insurance for serious illness is 654.38+000000, and the deductible is 0, and the total compensation limit within 20 years is 6 million.
Scheme 3: 20,000 yuan will be paid for the diagnosis of special diseases, 6,543.8+0,000 yuan for general medical insurance, 6,543.8+0,000 yuan for deductible medical insurance for critical illness, 2 million yuan for deductible medical insurance, and the total compensation limit will be 8 million yuan within 20 years.
Scheme 4: 40,000 special diseases are diagnosed, 6.5438+0.5 million general medical insurance, 20,000 deductible, 3 million critical illness medical insurance, 0 deductible, and 8 million total compensation within 20 years.
However, the hospital in scheme 4 is different from the first three schemes. In addition to the general departments of Taikang's own hospitals and second-class and above public hospitals, special needs departments, international departments and VIP departments have also been added.
Disclaimer:
The insurance company shall not be liable for the insured's insurance accident or medical expenses due to one of the following circumstances:
1. receiving treatment in countries or regions outside China;
2. Past diseases and diseases not notified in writing, unless otherwise stipulated in the contract;
3. Drugs purchased from non-hospital pharmacies, drugs purchased without a doctor's prescription, and drugs prescribed by doctors cost more than 30 days;
4. Congenital malformation, deformation or chromosomal abnormality;
5. Sexually transmitted diseases, mental and behavioral disorders;
6. See the terms for details.