1. Insurance age: 28 days after birth -70 years old;
2. Hesitation period: 15 days;
3. Insurance period: one year, which can guarantee renewal for 20 years;
4. Waiting period: 90 days. However, there is no waiting period for accidents, and there is no waiting period if the premium is guaranteed to be paid in full within 60 days after the expiration of each insurance period during the renewal period in accordance with the main insurance contract;
5. Annual deductible: 65,438+00,000 (for general medical insurance, medical insurance for specific diseases and medical insurance for major diseases, but not for other insurance liabilities). There is no deductible for the medical insurance premium (optional guarantee) for the specific drug expenses outside the hospital for malignant tumors;
6. Annual payment limit: general medical insurance premium, medical insurance premium for specific diseases, medical insurance premium for major diseases and medical insurance premium for specific drugs for malignant tumors outside the hospital (optional guarantee), with an annual payment limit of 4 million. Guarantee the total compensation limit of 8 million during the renewal period;
7. Insurance liability (required):
(1) General medical insurance: including inpatient medical insurance, designated outpatient emergency medical insurance and outpatient emergency medical insurance after 30 days of hospitalization, with an annual limit of 2 million. Under normal circumstances, it can be reimbursed 100%. However, if the insured is insured with basic medical insurance or public medical care, only 60% will be reimbursed if it is not reimbursed according to the relevant provisions of basic medical insurance or public medical care.
(2) Medical insurance premiums for 55 specific diseases: including hospitalization insurance premiums for specific diseases, emergency medical insurance premiums for designated outpatient clinics for specific diseases, and emergency medical insurance premiums for outpatient clinics for 30 days after hospitalization for specific diseases, with an annual limit of 2 million. Under normal circumstances, it can be reimbursed 100%. However, if the insured is insured with basic medical insurance or public medical care, only 60% will be reimbursed if it is not reimbursed according to the relevant provisions of basic medical insurance or public medical care.
(3) 120 kinds of medical insurance premium for serious illness: including hospitalization insurance premium for serious illness, emergency medical insurance premium for designated outpatient service for serious illness, emergency medical insurance premium for outpatient service for 30 days after hospitalization for serious illness, and proton heavy ion medical insurance premium, with an annual limit of 4 million. In general, 100% can be reimbursed. However, if the insured has basic medical insurance or public medical care, only 60% will be reimbursed. Among them, the reimbursement rate of proton heavy ion medical insurance is100%;
(4) 120 kinds of critical illness care insurance premium: the insured amount is 10000, and it is only paid once during the guarantee renewal period;
8. Exemption from liability:
(1) The insured intentionally kills or intentionally hurts the insured;
(2) The insured intentionally commits suicide, self-injures, intentionally commits a crime or resists criminal compulsory measures taken according to law.
(3) The insured fights, gets drunk, takes the initiative to take or inject drugs;
(4) The insured is drunk driving, driving without a valid driver's license or driving a vehicle without a valid driver's license;
(5) Nuclear explosion, nuclear radiation and pollution, war, military conflict, terrorist attack, riot or armed rebellion.
(6) Treatment of mental and behavioral disorders and various medical consultations and health predictions;
(7) Various medical appraisals, including but not limited to medical accident appraisal, mental illness appraisal, pregnant woman fetus sex appraisal, injury appraisal, paternity appraisal and gene appraisal;
(8) Hereditary diseases and congenital malformations, deformations or chromosomal abnormalities other than specific diseases and major diseases;
(9) Except for previous diseases and diseases specially agreed in insurance contracts;
(10) Medical expenses caused by diseases during the period when the insured is infected with HIV or suffers from AIDS, except AIDS caused by specific reasons in the list of major diseases;
(1 1) The insured is infected with Treponema pallidum and Neisseria gonorrhoeae;
(12) Physical examination, recuperation, stomach volume reduction surgery, vision correction surgery, strabismus correction surgery, cosmetic surgery caused by unexpected reasons, and various cosmetic plastic surgery projects, including but not limited to skin pigmentation, acne treatment, rosacea treatment, and treatment and removal of benign skin lesions. Treatment and removal of varicose veins, spider veins and other scars except keloids on the distal elbow joint and face of upper limbs. Tattoo removal, skin discoloration treatment or surgery. Laser cosmetic surgery, wrinkle removal, eye bags removal, double eyelids, alopecia areata, gray hair, alopecia, hair transplant, hair removal, rhinoplasty, breast augmentation and various orthopedic and physiological defects, including but not limited to flat feet and various non-functional cosmetic surgery, plastic surgery and orthopedic surgery expenses. Various bodybuilding treatment items, such as nutrition, weight loss, weight gain and height increase;
(13) infertility treatment, artificial insemination, pregnancy, delivery (including dystocia), abortion, birth control (including sterilization), prenatal and postpartum examination and complications caused by the above reasons;
(14) Circumcision, balloon dilatation and treatment of sexual dysfunction;
(15) oral medicine (dentistry) health care and oral medicine (dentistry) disease treatment except oral tumor treatment;
(16) Medical treatment caused by accidental injuries in high-risk activities;
(17) Pretending to be hospitalized, treating the insured who did not arrive at the hospital on his behalf, failing to meet the admission criteria, and refusing to leave the hospital because of hanging bed in the hospital or the hospitalized patient should be discharged;
(18) The insured receives experimental treatment (medical behavior without scientific or medical approval).