上海高端国际医疗保险网

AIG-美亚 优越200

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正文内容如下:

 

最高保险金额
Plan Maximum

每一病症250,000美元或人民币1,600,000
$250,000 per Disability

住院与门诊手术费用补偿
Hospitalisation & Out-patient Surgery

 

膳宿费(包括一般护理费)
Room & board including general nursing care  

每天300美元或人民币1,920

$300 per day

父母陪宿费用(在同一病房内加床)

Parental Accommodation (added bed, same room)

全额赔付

Fully Covered

手术室费、重症监护护理费、X光透视费、CT扫描费、核磁共振费、B超费、化验费、药物或药品费用、血液与血浆费用、外科器材费、轮椅租金、拐杖和助步架费用以及普通手术植入物费用
Theatre fees; intensive care; x-rays; CT Scans; MRI Scans; Ultrasounds; lab tests; medicines & drugs; etc…  

全额赔付

Fully Covered

外科医生诊断费,包括手术前咨询、手术后及外科医生门诊随访咨询

Surgeon’s Fees including pre–and post– surgical services

每年20,000美元或人民币128,000
$20,000 per year

麻醉费
Anaesthetist Fees  

外科医生诊断费的30%

30% of Surgeon’s Fees

医生费用,包括内科、专科、放射科、理疗科和病理科医生费用

Professional Fees including physician, specialist, radiologist, physiotherapist and pathologist

全额赔付

Fully Covered

入院前治疗补偿

Pre-Hospitalisation

 

若被保险人因承保病症住院,则本公司赔付在其入院之日前30天内发生的医疗服务费用,但所有治疗均须由医生提供且与住院病症直接相关。

Medical services incurred prior to a covered Confinement in a Hospital which are provided by or ordered by a Physician as a direct consequence of the covered Disability which necessitated such Confinement

入院之日前30天内的医疗服务费用,每一病症1,000美元或人民币6,400

Up to $1,000 per Disability incurred within 30 days prior to covered confinement

出院后治疗补偿

Post-Hospitalisation

 

若被保险人因承保病症住院,则本公司全额赔付自其出院之日起90天内发生的医疗服务费用

Normal follow-up treatment for up to 90 days following hospitalization

全额赔付

Fully Covered

肿瘤
Oncology

 

化疗和放射疗法费用
Chemotherapy and radiotherapy

全额赔付
Fully Covered

肾脏透析
Renal Dialysis

 

肾脏透析费用 
Kidney Dialysis

终身15,000美元或人民币96,000

$15,000 lifetime benefit

妊娠并发症 
Complications of Pregnancy

 

因妊娠并发症儿发生的的必要的住院费用,包括新生儿费用
In-patient treatment necessary as a direct result of Complications of Pregnancy

适用住院与门诊手术费用补偿项下的赔偿限额
Hospitalisation & Out-patient Surgery sub-limits apply

艾滋病/人体免疫缺损病毒(HIV)保障 
AIDS/HIV

 

在保险合同首个生效日期起持续续保五(5)年后出现与人体免疫缺损病毒(HIV)有关的疾病 
Coverage will apply when signs or symptoms present for the first time after five (5) years if continuous coverage under the Policy and any renewal thereof, to an all inclusive limit of

终身25,000美元或人民币160,000
$25,000 lifetime benefit

私人护理费用补偿
Private Nursing

 

住院期间所发生的私人护理费用
In-patient when certified medically necessary by an attending physician

全额赔付
Fully Covered

在出院后或医院手术后即由注册护士提供家庭护理的费用
Home nursing by a registered nurse immediately following hospitalization and on the recommendation of the attending surgeon or specialist


No Cover

精神或神经功能紊乱医疗费用补偿
Mental or Nervous Disorders

 

住院治疗费用
Inpatient treatment under the care of a Psychiatrist


No Cover

器官移植费用补偿
Organ Transplant

 

心脏、肝脏、肾脏、骨髓、角膜、肺移植费用
Transplant of heart, liver, kidney, bone marrow, cornea or lung to a limit of

每一病症250,000美元或人民币1,600,000
$250,000 per Disability

收容/临终关怀
Hospice/ Palliative Care


No Cover

急症费用补偿
Emergency Benefits

 

全球紧急救援服务,包括急救援助与运送。
Worldwide emergency assistance including evacuation and repatration

全额赔付
Fully Covered

当地医院的救护车费用
Local Ambulance to Hospital

全额赔付

Fully Covered

急诊室治疗的费用
Emergency room treatment

全额赔付
Fully Covered

健全与天生的牙齿在遭受意外事故后14天内发生必要的治疗费用
Dental treatment for up to 14 days following Accidental damage to sound natural teeth

全额赔付

Fully Covered

遗体送返费用
Repatriation of Mortal Remains

$7,500

慢性病
Chronic Conditions

 

因慢性病需要入住医院进行治疗的费用
In-patient treatment for a Chronic Condition received while an admitted patient in a Hospital

适用住院与门诊手术费用补偿项下的赔偿限额
Hospitalisation and Out-patient Surgery sub-limits apply

与慢性病相关的医生与专科医生诊疗以及处方药物费用
Out-patient treatment for a Chronic Condition 

若选择门诊医疗,则有此保障
Included in optional out-patient

门诊费用补偿
Out-patient

 

医生与专科医生门诊
Physicians and specialists consultations

可选择
每年5,000美元或人民币32,000
Optional $5,000 per year

经主治医生推介的理疗医生
Physiotherapist when certified necessary by an attending physician


No Cover

处方药物、敷料、X光透视、诊断检验与外科器材
Medicines and Drugs; dressings; x-rays; CT Scans; MRI Scans; ultrasounds; diagnostic lab tests and medical appliances


No Cover

补充医疗费用补偿
Complementary Medicine

 

理疗师(无需主治医生推介),脊椎指压治疗师,整骨医生,同种疗法医师,足疗医师,语言治疗师或营养医师
Physiotherapist without certification from an attending Physician; chiropractor; osteopath; homeopath; podiatrist; speech therapist; dietician


No Cover

针灸,正骨以及中医,每次诊疗费用以50美元或人民币320元为限
Acupuncturist; bone setter and Chinese medicine practitioner not exceeding $50 per visit


No Cover

生育保障 (无免赔额)
Maternity

 

妊娠发生的产前与产后服务、流产、堕胎、分娩费用(包括一切医院与医生费用)及最多七天的婴儿室护理费用
Pre-natal and post-natal services; costs related to miscarriage; costs of delivery including all Hospital and professional fees and up to seven days of nursery care


No Cover

齿科
Dental

 

常规牙科治疗Routine Dental Treatment
包括检查,洁牙,普通复合充填补牙术,镶牙(金牙除外),拔牙,密封
(Examinations; tooth cleaning; normal composite fillings; inlay (excluding gold inlays); onlay (excluding gold onlays); extractions; sealant)

每年700美元或人民币4,480
$700 per year

重大牙科修复术Major Restorative Dental Work
拔除阻生牙、掩埋牙或未萌牙;牙根移除;牙根管治疗;牙瘤剔除;根尖切除术;牙桥托安装或修复(金牙桥托除外);牙全冠安装或修复(金牙全冠除外);假牙安装或修复
(Removal of impacted, buried or unerupted teeth; removal of roots; root canal treatment; removal of solid odontomes; apicectomy; new or repair of bridge work (excluding gold bridge work); new or repair of crowns (excluding gold crowns); new or repair of upper and lower dentures)

每年1,500美元或人民币9,600
$1,500 per year

全球保障
Worldwide Cover

 

任一地方享受医疗保险服务,包括北美及加勒比海地区
Opt to enjoy the benefit of elective treatment in North America with a truly worldwide plan

只提供全球保障
The Advantage 100 is always Worldwide

免赔额
Annual Deductible

 

多档免赔额供选择,有效节约保费
Range of deductibles available to reduce your premium

每年

500美元或人民币3,200
1,000美元或人民币6,400
2,000美元或人民币12,800
5,000美元或人民币32,00
Nil
$500
$1,000
$2,000
$5,000

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