In the insurance liability of China Ping An Baby Card, the waiting period for hospitalization due to illness is 30 days, so Ping An Insurance Company will not reimburse you for hospitalization due to illness during the waiting period. After the waiting period, if you are hospitalized due to illness, you can reimburse your claims normally.
In the insurance liability of Ping An Baby Card, accidental death, accidental disability and accidental medical treatment have no waiting period and can be reimbursed normally.
There is also a waiting period for the policy to take effect. It's stated in the insurance contract.
Extended data
Ping 'an Baby Card Waiting Period
Health care in insurance has a waiting period, also called observation period. After the policy takes effect, you can enjoy medical treatment for diseases. In the second year, there is no waiting period for follow-up insurance, and there is no waiting period for medical hospitalization except for accidents.
China Ping An Baby Card covers a wide range, and will be compensated for accidental injury, illness, hospitalization and disappearance. At home, inside and outside the school, holidays.
Insurance liability: ordinary accidental injury, traffic accident injury, accidental medical treatment, serious illness of children, hospitalization and death due to illness.
Waiting period: accidental death, accidental disability, accidental medical treatment and death due to illness will take effect from 0: 00 on the fourth day of insurance, and hospitalization will take effect from 30 days after insurance.
Coverage: 654.38+10,000 hospitalizations, 30,000 major diseases, 5,000 accidental medical treatments, and 50,000 accidental deaths, injuries and diseases. There is no deductible for accidental medical treatment, and the rest of the medical insurance coverage is reimbursed 100%. There is no deductible for hospitalization with Shanghai medical insurance, and the expenses within medical insurance are reimbursed 100%, and the self-funded part is reimbursed by 20% according to reasonable medical expenses.