中意全球保障团体医疗保险计划钻石版

中意全球保障团体医疗保险计划GCLGroupWorldwideMedicalInsurance第一部分：中意全球保障团体医疗保 (钻石版PartOne：Diamond项AnnualLimitsinChineseCurrency(RMB)ChoiceofOverallAnnualBenefitLocalroadambulancefeeduetoPhysicianandtreatmentmodationPublichospitalsin:privateroomOtherhospitals:semi-privateroomICUroomExpensesonmealsprovidedbythe陪床费：若未18周岁的连带被保险人住院时，其合法监护人（仅限人）在同内陪同住院Extrabedfee:onelegalguardianstaywithdependantchildunder18yearsPrescriptionmedicineanddrugTestandexaminationSurgeryandanaesthesiafees(includingmaterial,surgery,operationroom,anaesthesia,nursingPurchasingorrentingdurablemedicalInpatientexpensesduetomentalRMB50,000perpolicyAIDS/HIV(Excludingpre-existingMedicalexpensesduetomajororgan(可选责任RoutineOutpatientBenefitsPhysiciansfee,treatmentfee,prescriptiondrugsandmedicinefees,outpatientsurgeryfee,ObservationTestandexaminationPrescriptionInoculationsandvaccinations6visitperpolicyOutpatientexpensesduetomental12RMB800pervisit,max.12visitperpolicyyearAIDS/HIV(Excludingpre-existingTraditionalChinesemedicineandconsultation12RMB800pervisit,max.12visitperpolicyyearComplementarytherapy:expensesoftheconsultation,acupuncture,massage,traction,cup,massageorchiropracticandphysicaltherapiesbyregisteredRMB4,000/perpolicy家庭护理Nursingat每保单年10,000RMB10,000perpolicyEmergencydental每保单年40,000RMB40,000perpolicy(可选责任）Outpatientandinpatientexpensesrelatedto complicationsasspecifiedinthe每次赔付限额65,000元UptoRMB65,000forperExpensesofnewbornincurredwithin14daysof牙科治疗(可选责任）DentalTreatmentOptional)X－射线、化验和检验；Dentalconsultation:examination,x-ray,andlaboratorytest每保单年4,000RMB4,000perpolicyPreventive&basicdentaltreatment:rootctherapy,fluorosistreatment,scaling(twiceperpolicyyear),filling,simpleextraction(excludingwisdomtooth复杂牙科责任(可选责任）*ComplexDentalTreatmentOptional)Wisdomtoothextraction,dentalincludingcrowns,inlays,onlays,onlyonesingleprosthesescoveredandexcludingimplants每保单年14,000RMB14,000perpolicyOrthodonticsforchildunder18yearsof眼科护理(可选责任VisonCareBenefitCorrectionofeyereflection,includingvisioncheck,short-sightorlong-sightlensandframes.(providediagnosisandprescriptionissuedbyaqualifiedophthalmologist)Contactlenses,sunglassesanditsrelatedattaarenot每保单年2,000RMB2,000perpolicy预防性检查(可选责任PreventiveMedicalExaminationRegularcheck-uponceeverypolicy每保单年2,000RMB2,000perpolicyItemsmarkedwith*aresubjecttotheapprovalofpre-authorization.Otheritemsrequiredpre-authorization,pleaserefertotheContractfordetails.Waitingperiodformaternityis9monthsandforcomplicateddentaltreatmentis6IftheInsured’spregnancyperiodcrossestwopolicyyears,themaxbenefitlimitwillbetheoneforthepolicyyearwhenthechildbirthoccurs.However,ifthePolicyholderfailstorenewthePolicyatthenextyear,theCompanyshallpaythematernitymedicalexpensesincurredduringthevalidinsuranceperiodoftheInsuredonly.Pre-existingconditionisnotcovered,unlessthediseasehasbeenapprovedbytheunderwritingoftheCompany.Inthatcase,itissubjecttothefinaldecisionoftheunderwriting.ThisBenefitScheduleisasummaryoutlineofthebenefits.Allbenefitsdescribedabove(includingannuallimitandreimbursementratio)aresubjecttothedefinition,exclusions,