No, it has a division of which diseases can and cannot.
Peace of mind eShengBao, due to one of the following circumstances, resulting in the insured person's medical expenses, Ping An Insurance does not bear the responsibility to pay the insurance benefit:
Peace of mind eShengBao 2017 version, due to one of the following circumstances, resulting in the insured person's malignant tumor, or resulting in the insured person's medical expenses Ping An Insurance will not be liable to pay the insurance benefit:
The insured person suffers from pre-existing conditions and the expenses caused by the excluded diseases specifically agreed upon in the insurance policy;
Genetic diseases, congenital malformations, deformations, or chromosomal anomalies caused by the medical expenses;
Treatment and recuperation, corrective surgery for eyesight, all kinds of health check-up programs and preventive medical programs, dental health care and dental treatment, rehabilitation treatment, cosmetic surgery not caused by accidents;
Treatment of the following items: 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 cosmetic treatment, wrinkle removal, eye bag removal, double eyelid opening, treatment of baldness, gray hair, baldness, alopecia, hair transplantation, hair removal, rhinoplasty, breast augmentation;
all kinds of orthopedic and physiological defects of surgical and examination and treatment programs, including but not limited to flat feet and all kinds of non-functional cosmetic and orthopedic surgery costs;
all kinds of bodybuilding treatment programs, including but not limited to nutrition, weight loss, fattening, and heightening costs;
infertility treatment, artificial fertilization, pregnancy, childbirth (including obstructed labor), miscarriage, abortion, birth control (including sterilization), prenatal and postnatal checkups, as well as complications arising from the above;
circumcision, circumcision, circumcision peeling, circumcision balloon dilatation, and sexual dysfunction treatments;
costs of artificial organ materials, mounting, and replacement except for heart valves, artificial crystals, and artificial joints, and costs of all kinds of rehabilitation and therapeutic devices, prostheses, artificial limbs, massage and health care and therapeutic supplies for self-use, and all over-the-counter medical equipment;
the cost of purchasing or renting durable medical equipment (meaning all kinds of rehabilitation equipment, orthopaedic braces, as well as other durable medical equipment);
infection of the insured person with the HIV virus or as a result of the disease during the period of suffering from the disease;
mental and behavioral disorders ( Mental and behavioral disorders (in accordance with the World Health Organization's International Statistical Classification of Diseases and Related Health Problems (ICD-10)), venereal diseases;
Medicines purchased without a doctor's prescription or from a non-hospital pharmacy, tonic herbs and their infusions, and medicines prescribed by a doctor for a period longer than 30 days;
All kinds of medical consultations and health forecasts: health consultations, sleep consultations, sexual consultations, health forecasts, health advice, health advice, health advice, health advice, health advice, health advice, health advice, health advice, health advice, health advice, health advice and health forecasts. Medical consultation and health forecasting: such as health counseling, sleep counseling, sex counseling, psychological counseling (in accordance with the World Health Organization's International Statistical Classification of Diseases and Related Health Problems (ICD-10) to determine the mental and behavioral disorders other than the general psychological problems, such as workplace problems, family problems, marital problems, personal development, emotional management, etc.) and other costs
the insured's intentional killing, intentional injury to the insured person;
The insured person's intentional self-inflicted injury, intentional crime or resistance to criminal compulsory measures taken in accordance with the law;
The insured person's assault and battery, drunkenness, active smoking or injecting drugs;
Treatment for injuries arising from high-risk sports such as scuba diving, parachute jumping, rock-climbing, bungee jumping, piloting a glider or paraglider, exploring, martial arts tournaments, wrestling competitions, stunt performances, horse racing and car racing, and other high-risk sports;
Medical expenses due to occupational disease, medical malpractice;
Medical expenses due to traffic accidents caused by the insured person driving under the influence of alcohol, driving without a legally valid driver's license, or driving a motor vehicle without a valid license;
Nuclear explosions, nuclear radiation, or nuclear or chemical contamination; terrorist attacks, wars, military conflicts, riots, or armed insurrection;
Failure to meet the admission criteria, hanging up the bed for hospitalization or refusal to discharge an in-patient when he/she should have been discharged (all medical expenses incurred from the date the hospital determines the date of discharge);
Experimental treatment received by the insured person, i.e., medical treatment which is not scientifically or medically approved;
Treatment which is not approved by the authority of the place where the treatment is given, and drugs or medicines which are not licensed or approved by the government of the place where the treatment is given;
All types of medical appraisals, including but not limited to medical malpractice appraisals, psychiatric appraisals, fetal sex appraisals for pregnant women, injury tests, paternity appraisals, and genetic appraisal fees.
The difference between Ping An eShanghai Insurance and major disease insurance:
Major disease insurance has a clear definition of "major diseases", and it cannot provide benefits for diseases that do not meet the definition of major diseases, or diseases that have not yet reached the level of "major". The company's website is a good source of information about the company's services.
Peace of mind eShougang Insurance reimburses actual hospitalization, 7-day outpatient and emergency room visits before and after hospitalization, outpatient surgery, and special outpatient expenses without limiting the types of illnesses.
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