全额 Paid in Full
全额 Paid in Full
全额 Paid in Full
全额 Paid in Full
全额 Paid in Full 全额 Paid iห้องสมุดไป่ตู้ Full
每一假体设备以¥ 20,000 为限 Up to¥ 20,000 for each prosthetic device
全额 Paid in Full
全额 Paid in Full
全额 Paid in Full
全额 Paid in Full
物理疗法及补充治疗 Physiotherapy and complementary therapies 适用于住院或日间病房期间。 Where treatment is provided on an in-patient or day patient basis. 核磁共振、计算机断层扫描及正电子发射断层扫描 MRI, CT and PET scans 我方将支付在住院、日间病房或门诊发生的这些扫描检查。 We will pay for these scans whether received on an inpatient, day-patient or an outpatient basis. 家庭护理费用 Home nursing charges 每一保险期间内以 30 天为限。 Paid up to 30 days in any one period of cover. 康复治疗 Rehabilitation 每一保险期间内以 30 天为限。 Paid up to 30 days in any one period of cover. 临终关怀及姑息治疗 Hospice stay to receive Palliative Care 内置修复体、设备及装置 Internal prosthetic devices/surgical and medical appliances 我方将支付： We pay for: －手术过程中植入体内的假体、设备或医疗用品。 • a prosthetic implant, device or appliance which is inserted during surgery. 外置修复体、设备及装置 External prosthetic devices/surgical and medical appliances 我方将支付： We pay for: －手术后立即需要的、医疗必要的修复性设备或装置。 • a prosthetic device or appliance which is a necessary part of the treatment immediately following surgery for as long as is required by medical necessity. －在病后恢复阶段内短期内需要的、医疗必要的修复性设备或装置。 • a prosthetic device or appliance which is medically necessary and is part of the recuperation process on a short-term basis. 我方为成年人仅支付一次外用假体费用。我方为 16 周岁及以下的未成年人支 付初始的假体设备费用及最多两次用于替换的假体设备费用。 For adults, we will pay for one external prosthetic device. For children up to the age of 16, we will pay for the initial prosthetic device and up to two replacement devices. 当地救护车及空中救援服务 Local Ambulance and Air Ambulance Services 因医疗必要而须使用当地救护车前往医院进行治疗。 Medically necessary travel by local road ambulance or local air ambulance, such as a helicopter, when related to covered hospitalization. 住院津贴 Hospitalization Cash Benefit 我方将在满足下述条件的基础上向您支付每日住院津贴： We will make a cash payment to the beneficiary when they: －您所接受的治疗在本合同责任规定范围内； • received treatment in hospital which is covered under this plan －住院治疗须过夜； • stay in hospital overnight －您未曾报销任何病房膳食费及治疗费。 • have not been charged for your room and board, and treatment costs.
招商信诺寰球至尊高端个人医疗保险（A 款）保险利益表
Benefits table of CIGNA&CMC Individual Private Medical Insurance (A)
国际医疗保障 International Medical Insurance 每一保险期间内每一被保险人的国际医疗保障的赔付限额 Annual Benefit – Maximum per beneficiary. This includes claims paid across all sections of the International Medical Insurance 您所享有的基本医疗保险责任 Your Standard Medical Benefits
综合住院医疗费用，具体包括： Hospital Charges for: －住院治疗的护理费及病房膳食费； • Nursing and accommodation for in-patient treatment; －日间病房治疗费用； • Day case treatment; －手术室及麻醉复苏室费用； • Operating theatre and recovery room; －住院或日间病房治疗的处方药及敷料费用； • Prescribed medicines, drugs and dressings for in-patient or day case treatment; －门诊手术的治疗室费用。 • Treatment room fees for outpatient surgery. 重症监护室，包括重症治疗室、加护病房或冠心病监护室 Intensive care: intensive therapy, coronary care and high dependency unit 父母陪同病房费用 Parental Accommodation 本项责任仅适用于未满 18 周岁的未成年人。如被保险人须过夜留院治疗，我 方将支付合理的在同一医院的父母陪同住宿费用。 This applies to dependent children under the age of 18. CIGNA will pay for reasonable costs for a parent staying in the same hospital with the child where the child is required to stay in the hospital overnight. 外科医生及麻醉师费用 Surgeons’ and Anesthetists’ Fees 适用于任何基于住院、日间病房或门诊而施行的手术。 Whether surgery is provided on an in-patient, day case or out-patient basis. 专科医生诊疗费 Specialists’ consultation fees 本项责任适用于在被保险人住院时专科医生的常规巡查，并包括因医疗必要而 须专科医生执行的重症紧急护理。 This benefit is paid in full for regular visits by a specialist during stays in hospital including intensive care by a specialist for as long as is required by medical necessity. 移植治疗 Transplant Services 适用于住院发生的移植治疗。 Where treatment is provided on an in-patient basis. 病理检测、放射学检查及诊断检测 Pathology, Radiology and diagnostic tests 适用于住院或日间病房期间。 Where treatment is provided on an in-patient or day patient basis.
全额 Paid in Full
¥ 1,200 元/天，每一保险 期间内以 30 天为限 ¥ 1,200 per night, up to 30 nights per period of cover
紧急牙科治疗 Emergency dental treatment 因遭受严重意外事故而导致住院接受牙科治疗。 Dental treatment in hospital after a serious accident. 您所享有的精神疾病医疗责任 Your Psychiatric Care 精神疾病医疗 Psychiatric Care 我方将支付： We will pay for: －精神疾病或异常的治疗。 • treatment of mental health conditions and disorders. －成瘾性治疗 • addiction treatment. 包括被保险人在住院还是在日间病房或门诊接受治疗。一个保险期间内累积以 90 天为限，包括最多 30 天住院。对日间病房治疗和门诊，每就诊日计作“1 天”。 Whether the beneficiary is staying in a hospital overnight or receiving treatment as a day-patient or outpatient. A combined maximum total of 90 days cover is available in the period of cover, including up to 30 days of inpatient treatment. For day-patient and outpatient treatment, each visit will count as one day. 一个连续 5 年的期间内总累积限 180 天，其中住院最多可以到 60 天。 An overall 5 year total limit of 180 days cover will apply, of which a maximum of 60 days can be used for inpatient treatment. 您所享有的癌症医疗责任 Your Cancer Care 癌症治疗 我方将支付对癌症进行的积极治疗及循证治疗。包括：被保险人在住院、日间 病房或门诊发生的化疗、放疗、肿瘤病理、检查化验及药物等。 We will pay for active and evidence-based treatment received for, or related to cancer, including chemotherapy, radiotherapy, oncology, diagnostic tests and drugs whether the beneficiary is staying in a hospital overnight or receiving treatment as a day-patient or outpatient. 您所享有的生育与新生儿护理及治疗责任 Your Mother And Baby Care 常规妊娠及分娩保障 Routine Maternity and Childbirth Cover 连续持有本合同 10 个月及以上且在此期间内持续有效的女性被保险人可享有 本保障。 Available once the mother has been covered by the policy for 10 months or more. 涵盖门诊及住院治疗费用，包括医院收费，产科医生及助产士费用。 In-patient and out-patient treatment including hospital charges, obstetricians’ and midwives’ fees. 复杂妊娠及分娩保障 Complicated Maternity and Childbirth Cover 连续持有本合同 10 个月及以上且在此期间内持续有效的女性被保险人可享有 本保障。 Available once the mother has been covered by the policy for 10 months or more. 涵盖门诊及住院治疗费用，包括医院收费，产科医生及助产士费用。 In-patient and out-patient treatment including hospital charges, obstetricians’ and midwives’ fees. 本项责任含因医疗必要而发生的剖腹产。如果我方无法确定您的剖腹产确因医 疗必要而发生，我方将按常规妊娠及分娩责任限额进行支付。 Caesarean sections are only covered under this benefit where they are required by medical necessity. If we are unable to determine that your Caesarean section was medically necessary, it will be paid from the beneficiary’s routine maternity and childbirth benefit limit.