来华留学生保险使用指南

来华留学生保险使用指南来华留学保险项目组2017.02InternationalStudentsInsuranceInstructionManuel保险责任

Liability保险服务卡ServiceCard信息查询InformationQuery

保险提示Tips1235保险使用方法Usingmethod4保险责任

Liability1保障项目Coverage保险金额InsuranceAmount身故/残疾保险责任

Death/Disability10万元100,000意外伤害医疗保险责任

Medicaltreatmentforaccidentalinjury2万元20,000门诊医疗保险责任

OutpatientandEmergencyMedicalInjury2万元

（日限额600元

起付线650元,85%赔付）20,000

(WiththedailylimitofRMB600,beyondthestarttopaylimitofRMB650,theinsuredcanenjoy85%ofreimbursement）住院医疗保险责任

Inpatientmedicalinsuranceliability40万元400,000保险费Insurancepremium800元/年或400元/半年(包含中国政府奖学金和孔子学院奖学金）800/yearor400/halfyear(Including

ChinaScholarshipCouncilandConfuciusInstituteScholarship)InternationalStudentsInsurance(Liability）保险责任保险服务卡ServiceCard2保险服务卡_正面您的服务电话：24小时双语支持Servicehotline:24-hourbilingualservice扫一扫,进入手机版ScantheQRcodeandenterthemobilewebsite【留学保险网】址WebsiteofInternationalStudentsInsuranceInternationalStudentsInsurance(ServiceCard,front)护照号和服务卡号是投保后享受服务的两个辨识条件。Thepassportnumberandcardnumberarethetwoidentificationitemsfortheinsuredtogetservice.InternationalStudentsInsurance(ServiceCard,back)保险服务卡_背面这里有保险卡号或提供护照号

CardnumberorThepassportnumber3保险使用方法Usingmethod保险使用方法Usingmethod从不舒服开始致电4008105119转1键服务公司医生询诊给出治疗建议病情确实需住院治疗（提交委托书及护照复印件，启用救援公司垫付）门诊治疗即可（先学生支付，后期材料快递救援公司进行垫付报销）Beginfromtheuncomfortablefeelingdial4008105119andtransfer1diagnosisandtreatmentrecommendationsbythedoctorOutpatienttreatment：Prepaymentbythestudents,couriercaseinformationtotherescuecompanyforrepaymentIn-patient:reallyinneedofhospitalization(submitapowerofattorneyandacopyofthepassport,enablingthecompanypaymentinadvance)保险使用方法Usingmethod发生意外或疾病就医一定记得写病历而且是每次留收据保险使用方法Usingmethod需要住院如果看门诊后，医生说需要住院，一定先打电话，如果是网络医院，可以得到医疗费的垫付,学生就可以安心治疗了。保险使用方法Usingmethod理赔申请资料

所需材料

申请

项目护照复印件及签证页复印件医院发票原件病历复印件（每次就诊病历日期与发票日期相对应）费用明细意外事故证明出院小结或住院病历复印件银行存折复印件或银行卡客户信息表意外门诊需要需要需要需要需要疾病门诊需要需要需要需要住院（因意外）需要需要需要需要需要需要住院（因疾病）需要需要需要需要需要注意事项：1、就诊前务必拨打电话4008105119转1进行寻诊；2、意外事故须提供意外事故证明及相关部门的定性材料（如：交通事故须出具交通部门的交通事故责任认定书等）；3、银行账户信息必需包括账号、帐户名和开户行信息。保险使用方法HowtoapplyforclaimFirstly,youshouldpreparethefollowingdocumentsasrequired.Then,pleasesendthedocumentsyouhavepreparedtous.

Documents

forClaims

InsuranceLiabilitiesCopyofpassportandvisapage

OriginalofreceiptMedicalrecord(thedateineverymedicalrecordshouldbecorrespondingtothedateineveryreceipt)OriginalofdetailedexpendituresheetCourseandcertificateofaccidentCopyofhospitaldischargesummaryormedicalrecordofhospitalizationCopyofpassbookorinformationsheetofbankcardcustomerOutpatient(becauseofaccident)NeedfulNeedfulNeedful

Needful

NeedfulOutpatient(becauseofdisease)NeedfulNeedfulNeedful

NeedfulHospitalization(becauseofaccident)NeedfulNeedful

NeedfulNeedfulNeedfulNeedfulHospitalization(becauseofdisease)NeedfulNeedful

Needful

NeedfulNeedfulPleasepayattentiontothefollowingmatters:1.Beforeseeingadoctor,pleasecall4008105119andpressNO.1keyformedicalconsultation.2.Certificateofaccident,incaseofatrafficaccident,pleasesubmitaliabilityconformationoftrafficaccidentissuedbythetrafficunit.Andifotheraccidentshappen,pleasealsosubmitrelativecertificationmaterials.3.Theinformationaboutbankaccounthastoincludeaccountnumber,accountnameandnameofthedepositbank.信息查询InformationQuery4信息查询_手机QueryviaCellPhones手机查询信息QueryviaCellPhones用护照号、服务卡号登陆LoginwiththePassportNo.orServiceCardNo.当前保单信息CurrentInsurancePolicy当前理赔信息ClaimInformation有中、俄、日、韩、英、越、蒙、法、西班牙、阿拉伯版十种文字可直接查阅信息查询_手机QueryviaCellPhones常见问题查询–Q&A此处点击答案Clickheretogetanswer

保险提示Tips5

免责提示(Tips)公立医院的分院sub-branchofpublichospitals外宾病区wardareaforforeigners特诊特需病区wardareaforspecialtreatmentandneeds特诊特需病房和高干病房wardforhigh-rankingofficials酒后驾驶、无合法有效驾驶证驾驶，或驾驶无有效行驶证的机动车Drivingundertheinfluence,drivingwithoutalegalandvaliddrivinglicenseordrivingamotorvehiclewithoutavaliddrivinglicenseonthepartoftheInsured;怀孕、流产、分娩、不孕不育症治疗、人工受精、产前产后检查；节育、堕胎，及以上原因引起的并发症Pregnancy,miscarriageordeliveryonthepartoftheInsured,infertilitytreatment,artificialinsemination,prenatalandpostnatalcheck,birthcontrol,abortionandcomplicationscausedbyabove-mentionedcauses;门急诊医疗责任：起付线650元以下部分不予赔付Outpatientandemergencymedicalinsurance:Starting-linetopaythelimitation:RMB650,Belowthestarting-line,thereisnoclaim.自费和部分自费项目均不能报销

theself-paidorpartlyself-paiditemsandexpensescannotbereimbursed.患先天性疾病、遗传性疾病、既往症（投保前已患疾病或已存在的症状，保险期间非连续的）Congenitaldiseases,hereditarydiseases,existingdisease(diseaseorsymptomsthatalreadyexistpriortothedateofinsurance);

免责提示(Tips)矫形、矫正、整容或康复性治疗Expensesoforthopaedics,diorthosis,face-liftorrehabilitationtherapyreceivedbytheInsurer保险备注提示(Tips)保险细则以《平安养老保险股份有限公司来华人员综合保险保障计划简介》为准，