第一部分综合医疗服务

“留学中国”医疗保险计划及投保确认书“Studying in China” Expatriates Insurance Plan & Application Letter保障对象 / About the insured:常驻大陆地区的境外人士(留学生)且未满60足岁均可参加本保险计划。

Foreign residents under 60 years old living in Mainland China保障特点 / Benefits advantage:（1）专业完善 - 保障完善的专属境外人士(留学生)（含港澳台）保险计划Elite choice –Designed specially for foreign residents living in Mainland China (including Hong Kong, Taiwan, Macau citizen).（2）综合保障 - 结合人寿险、意外险、医疗险为一体的超值保障Comprehensive coverage –Included in one insurance plan: Life, Accidental, and Medical benefits.（3）轻松就医 - 由医疗服务公司为您提供24小时家庭医生咨询，门急诊及住院引导就医服务（注1）Medical guide –24 hours medical service hotline providing experts’ guides for emergency treatment and choosing hospitals. (See Note. 1)（4）代垫费用 - 于网络医院或特约医疗机构就医时，由医疗机构代垫医疗费用Direct billing – Direct billing available in network hospitals.（5）免费体检 - 一年一次免费身体检查（注2）Free medical check-up – One free medical check-up offered per year (Note. 2)（6）全球保障 - 境外就诊亦可获得理赔Global cover – Medical bills incurred outside Mainland China can also be claimed. （7）全球救援 - 全球紧急急难援助Global Assistance – worldwide emergency assistance provided.（8）手续简便 - 参加本保险，无须健康检查Simplified policy application procedure – no pre medical check-up required for policy application保障须知 / Policy Application Notice:1.本保险计划保险期限为1年，第二年可办理续保；参加本保险计划最高投保年龄60周岁，续保可放宽投保年龄至65周岁；The effective period of the Policy is one year, renewal possible; The insured should be under 60y old. For renewal, the age can be extended to 65y old.2.本会员保险费采用每年交付的方式；Premium payable annually.3.本保险计划身故保险金以法定继承人为受益人；残疾保险金、医疗保险金及重大疾病保险金的受益人为被保险人本人；The beneficiary of death benefits for the Policy is legal beneficiary. The beneficiary of Accidental Disability, In-patient, Out-patient and Critical Illness benefits is the insured him/her self.4.如现被保险人现在或过去患有恶性肿瘤、心脏病、中慢性肾功能衰竭、白血病、肝硬化、高血压II期及以上、糖尿病II期及以上、癫痫病、精神病、中风、再生障碍性贫血、帕金森氏病、血友病、红斑狼疮及结缔组织疾病、艾滋病等病症须提供个人健康告知声明书。

If previously having any serious illness, the Policy applicant needs to provide DOH2(Declaration of Health)*以上未尽事宜以保险合同条款为准。

For more details, please refer to the Policy provisions.申请人签字 / Insured Signature:要保单位盖章 / Policyholder:投保数据（务必填写完整且真实的数据，以确保投保利益，如有变更，请及时办理）Policy Application Documents (Please fill correctly all information requested. If there is any change, please inform the insurance company instantly)保障说明 / The Policy Notice:1.疾病身故保险金 / Disease Death Benefit：保险生效日起30天后被保险人发生疾病身故或疾病全残的，保险公司依照保险合同约定给付保险金。

during the effective period of the Policy, if death or total disability occurs to the insured due to disease 30 days after the effective date of the Policy, the sum Assured will be given to the Insured or the Beneficiary.2.意外身故保险金 / Accidental Death Benefit：保险有效期间内，被保险人因遭受意外伤害（除特定交通工具意外），自意外事故发生之日起180日内身故，保险公司给付意外伤害身故保险金。

during the effective period of the Policy, if death occurs to the Insured within 180 days since the accidental injury occurs, the Sum Assured as Death benefit will be given to the Beneficiary.3.意外残疾保险金 / Accidental Disability Benefit：保险有效期间内，被保险人因遭受意外伤害（除特定交通工具意外）事故，自意外伤害发生之日起180日内导致残疾，比照残疾给付等级，保险公司给付意外伤害残疾保险金。

during the effective period of the Policy, the Insured becomes disabled within 180 days since the accidental injury occurs to the insured, the Company will pay the benefit according to the “disable degree & benefit payment table”.4.特定交通工具意外伤害保险金 / Accidental Death in specific traffic accidents：保险有效期间内，被保险人以乘客身份搭乘飞机、陆上交通工具或轮船时,遭受意外伤害，自意外事故发生之日起180日内身故，保险公司给付特定交通工具意外身故保险金。

during the effective period of the Policy, if death occurs to the Insured within 180 days3since the accidental injury occurs to the insured who is taking (Note. 4) a flight, boats or other common carriers (Note. 5) as a passenger (Note. 3), the Sum Assured as Death benefit will be given to the Beneficiary.5.特定交通工具意外残疾保险金 / Accidental Disability in specific traffic accidents：保险有效期间内，被保险人以乘客身份搭乘飞机、陆上交通工具或轮船时遭受意外伤害，自意外伤害发生之日起180日内导致残疾，比照残疾给付等级，保险公司给付特定交通工具意外残疾保险金。

during the effective period of the Policy, The Insured becomes disabled within 180 days since the accidental injury occurs to the insured taking a flight, boats or other common carriers as a passenger, the Company will pay the benefit if the disablements are listed in “disable degree & benefit payment table”.6.重大疾病保险金 / Critical Illness Benefit:：保险生效日起，30天后被保险人经医院明确诊断初次患有本合同所定义的重大疾病，且生存28天以上者，保险公司将给付重大疾病保险金。

during the effective period of the Policy, the insured who survive after 28 days from being first time diagnosed as suffering from a critical illness (type1 to type 29) listed in the rider, will be paid the sum assured as the living benefit. And the policy terminates.7.门急诊（含境外门诊或急诊） / Out-patient reimbursement(Including hospital visits outside mainland China)(1)保障地区范围：全球保障。