Not every situation can be reimbursed, Ping An Insurance is an insurance company, first of all, to their own program insurance, for each disease has a lot of regulations to ensure that it is not caused by human factors
Peace of mind eShouShan insurance system is very perfect, the customer wants to drill the loophole is impossible, if because of the intervention of the human factor caused by the disease insurance company will not be compensated for the claims, the If the insured person's medical expenses are caused by the insured person, Ping An Insurance will not be responsible for the payment of insurance benefits:
Expanded Information:
We will not be responsible for the payment of insurance benefits if the insured person suffers from malignant tumors or if the insured person's medical expenses are caused by one of the following circumstances:
(1) We shall not be liable to pay the medical expenses incurred by the insured person for:
(1) Pre-existing conditions (see 7.20) and the excluded illnesses as specified in the policy;
(2) Hereditary diseases (see 7.21), congenital malformations, deformations or chromosomal anomalies (see 7.22);
(3) convalescence, corrective surgery, health check-ups, preventive medicine, dental care and dental treatments, rehabilitation treatment and rehabilitation of the insured person. health care and dental treatment, rehabilitation treatment, cosmetic surgery not resulting from an accident;
(4) treatment for the following: skin pigmentation, acne treatment, rosacea treatment; treatment and removal of freckles, age spots, moles; treatment or surgery for superficial varicose veins, spider veins, scarring other than keloidal type, tattoo removal, skin discoloration; laser aesthetics, removal of wrinkles, removal of bags under the eyes, open double eyelids, treatment of baldness, gray hair, baldness, hair loss, hair transplantation, hair removal, rhinoplasty, breast augmentation;
(5) all kinds of orthopedic and physiological defects of surgery and examination and treatment programs, including but not limited to flat feet and a variety of non-functional cosmetic and orthopedic surgery costs;
(6) all kinds of bodybuilding treatment programs, including but not limited to nutrition, weight loss, weight gain, height gain costs;
< p>(7) infertility treatment, artificial insemination, pregnancy, childbirth (including obstructed labor), miscarriage, abortion, birth control (including sterilization), prenatal and postnatal checkups, as well as complications arising from the above;(8) circumcision, circumcision peeling, circumcision balloon dilatation, and sexual dysfunction treatments;
(9) except for heart valves, artificial crystals, artificial joints (9) Costs of artificial organ materials, installation and replacement, etc., all kinds of rehabilitation and therapeutic devices, prosthesis, artificial limbs, massage and therapeutic supplies for self-use, and all over-the-counter medical devices;
(10) Purchase or rental costs of durable medical equipment (meaning all kinds of rehabilitation equipment, orthopedic braces, and other durable medical equipment);
(11) Costs of HIV infection or AIDS (see 7.23 for the duration of the period of insurance); and (12) Costs of medical equipment, such as medical equipment and other durable medical equipment. AIDS (see 7.23) during the period of the disease;
(12) Mental and Behavioral Disorders (as defined by the World Health Organization's International Statistical Classification of Diseases and Related Health Problems (ICD-10) (see 7.24)), Sexually Transmitted Infections (STIs);
(13) Medicines purchased by the Insured Person without a doctor's prescription or from a non-hospital pharmacy, tonic herbs and preparations of wine made by them. (13) Medicines purchased without a doctor's prescription or from a non-hospital pharmacy, tonic herbs and their infusions, medicines prescribed by a doctor for a period longer than 30 days, and medicines prescribed by a doctor for a period longer than 30 days;
(14) Medical consultations and health forecasts of all kinds, such as health consultations, sleep consultations, sex consultations, psychological consultations (general psychological problems other than mental and behavioral disorders as defined by the World Health Organization (WHO) International Statistical Classification of Diseases and Related Health Problems (ICD-10) such as problems in the workplace, family problems, marital problems, and other psychological problems) problems, family problems, marriage and love problems, personal development, emotional management, etc.)
(15) intentional killing, intentional injury to the insured person by the policyholder;
(16) intentional self-inflicted injury, intentional commission of a crime, or resistance to lawfully taken criminal compulsory measures by the insured person;
(17) assault and battery, drunkenness (see 7.25), active use of drugs (see 7.26), injection of drugs (see 7.27) or other forms of drug abuse (see 7.28); (29) intentional killing of a person by an insurer; and (30) intentional killing of a person by a policyholder. injecting drugs (see 7.26);
(18) treatment for injuries resulting from high risk sports such as diving (see 7.27), skydiving, rock climbing (see 7.28), bungee jumping, glider or paraglider flying, exploring (see 7.29), martial arts competitions (see 7.30), wrestling competitions, stunts (see 7.31), horse racing, car racing etc.
() (19) Medical expenses incurred as a result of occupational disease (see 7.32) or medical malpractice (see 7.33);
(20) Medical expenses incurred as a result of a traffic accident caused by the insured person driving under the influence of alcohol (see 7.34), driving without a legally valid driver's license (see 7.35), or driving a motor vehicle without a valid license (see 7.36) (see 7.37);
(21) Medical expenses incurred as a result of nuclear explosion, nuclear radiation or nuclear contamination;
(22) Medical expenses incurred as a result of a nuclear explosion, nuclear radiation or nuclear contamination; or (21) nuclear explosion, nuclear radiation or nuclear or chemical contamination; terrorist attack, war, military conflict, riot or armed insurrection;
(22) failure to meet the criteria for admission to a hospital, hospitalization in a separate bed or refusal to discharge an in-patient from a hospital when he or she should have been discharged from the hospital (all Medical Expenses incurred from the date of discharge as determined by the hospital);
(23) experimental treatment of the Insured Person i.e. medical treatment which has not been approved by scientific or medical authorities;
(24) medical treatment which has not been approved by scientific or medical authorities;
(24) Treatment not approved by the authority of the place of treatment, drugs or medicines not licensed or approved by the government of the place of treatment;
(25) All kinds of medical appraisal, including but not limited to medical accident appraisal, psychiatric appraisal, fetal sex appraisal of pregnant women, injury examination appraisal, paternity appraisal, genetic appraisal expenses.
Ping An eShanghai Insurance 2017 Edition - Ping An of China Official Website
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