During the contract insurance period, if the insured suffers from accidental injury or illness and is hospitalized in a second-class or above hospital or other medical institution recognized by the Company within 90 days after the contract comes into effect (if the insurance is renewed according to the contract, the 90-day limit is not required), the Company has compensated the insured for the medical expenses incurred and actually paid within 90 days from the date of hospitalization, which are in line with the payment scope of local public medical care and social medical insurance. According to whether the insured participates in local public medical care and social medical insurance, the deductible and payment ratio of hospitalization medical insurance premium are stated in the insurance policy. In each policy year, the accumulated medical insurance premium paid by the company is limited to the insurance amount agreed in the contract. When the insured is hospitalized for more than two policy years, the company will pay the medical insurance premium within the insurance amount agreed in the policy year contract in which the insured begins to be hospitalized.
With the above information, insurance can mainly compensate hospitalization expenses, and outpatient treatment may not be reimbursed. For detailed information about this series of products, please refer to the website of China Life Insurance Co., Ltd.:
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.