上海高端国际医疗保险网

Cigna招商信诺国际医疗核心计划

我们的工作时间:早上8:00- 晚上21:00, 周日不休,联系人:秦朗爸爸,上海- 18601779323

咨询提示:

  • 提示:我们的工作时间:早上8:00- 晚上21:00, 周日不休

正文内容如下:

国际医疗保障  
International Medical Insurance  
总保障限额  
Core Plan – Overall Benefit Limit
每一保险期间内每一被保险人所有保险责任赔付限额 ¥20,000,000
Annual Benefit Maximum per beneficiary Up to
This includes claims paid across all sections of the International Medical Insurance ¥ 20 Million per period of cover
   
您所享有的基本医疗保险责任 赔付限额
Your Standard Medical Benefits Benefit Limit
住院费用,具体包括: 全额
Hospital Charges for: Paid in Full
     住院治疗的护理费及病房费  
·      Nursing and accommodation for in-patient treatment  
      日间治疗费用  
·      Day case treatment  
     手术室及手术观察室费用  
·      Operating theatre and recovery room  
      住院或日间治疗的处方药及敷药剂费用  
·      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、冠心病监护室及高度医护室费用 全额
Intensive care, intensive therapy, coronary care and Paid in full
high dependency unit  
父母陪同病房费用 全额
Parental Accommodation Paid in Full
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 全额
Surgeons’ and Anaesthetists’ Fees  Paid in Full
适用于任何基于住院、日间治疗或门诊而施行的手术。  
Whether surgery is provided on an in-patient, day case or out-patient basis.  
专业医师咨询费用 全额
Specialists’ consultation fees  Paid in Full
本项责任适用于在被保险人住院时专科医师的常规巡查,并包括因医疗必要而须专业医生执导的重症紧急护理。  
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  
移植服务 全额
Transplant Services Paid in Full
适用于住院或日间治疗期间  
Where treatment is provided on an in-patient or day patient basis  
物理疗法 全额
Physiotherapy Paid in Full
适用于住院或日间治疗期间  
Where treatment is provided on an in-patient or day patient basis  
放射、病理检测、X光及诊断检测 全额
Radiology, Radiotherapy, Pathology, X rays, diagnostic tests Paid in Full
适用于住院或日间治疗期间  
Where treatment is provided on an in-patient or day patient basis  
高清影像 全额
Advanced imaging  Paid in Full
适用于门诊、住院或日间治疗期间的核磁共振成像(MRI)、计算机断层扫描(CT)以及正电子发射断层扫描(PET)  
Includes MRI, CT and PET scans performed whether staying in hospital overnight, or as a day-case patient or as an out-patient  
家庭护理费用 全额
Home nursing charges Paid in Full
适用于在专业医师建议下于出院治疗后立即开始,基于全天侯治疗情况下与一般医院提供的医疗护理相同的家庭护理,每一保险期间内以30天为限。  
This benefit will be paid if recommended by a specialist immediately after hospital treatment or on a full time basis for treatment which would normally be provided in a hospital for up to 30 days in any one year of insurance.  
康复 全额
Rehabilitation Paid in full
每一保险期间内以30天为限    
Up to 30 days per year of insurance  
临终住宿及安乐护理 全额
Hospice stay to receive Palliative Care Paid in Full
内用假体设备/手术及医疗用品 全额
Internal prosthetic devices/surgical and medical appliances Paid in Full
我方将支付被保险人治疗过程中施用内用植入假体、设备或医疗用品的费用。  
We pay for internal prosthetic implants, devices or medical appliances needed as part of the beneficiary’s treatment.  
本项责任应符合:  
This benefit will be paid in respect of:  
  植入假体、设备或用品是在手术期间使用。  
• a prosthetic implant, device or appliance which is inserted during surgery.  
外用假体设备/手术及医疗用品 每一假体设备以¥ 20,000为限
External prosthetic devices/surgical and medical appliances Up to¥ 20,000 for each prosthetic device
我方将支付被保险人治疗过程中施用外用植入假体、设备或医疗用品的费用。  
We pay for external prosthetic devices or appliances needed as part of the beneficiary’s treatment.  
本项责任应符合:  
This benefit will be paid in respect of:  
       作为治疗必要组成的假体设备或用品基于医疗必要紧接手术而施用。  
·         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.  
在短期恢复阶段基于医疗必要而施用的假体设备或用品。  
·         a prosthetic device or appliance which is medically necessary and is part of the recuperation process on a short-term basis.  
注意:外用假体设备包括义肢或人造耳。  
Please note: Examples of prosthetic devices include a prosthetic limb or prosthetic ear.  
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 全额
Local Road Ambulance Paid in Full
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 when related to covered hospitalisation  
当地空中救护 全额
Local Air Ambulance Paid in Full
因医疗必要而须使用当地空中救护(例如直升机)前往医院进行治疗  
Medically necessary travel by local air ambulance, such as helicopter, when related to covered hospitalisation  
住院津贴 ¥ 1,200元/天,每一保险期间内以30天为限
Hospitalisation Cash Benefit ¥ 1,200 per night, up to 30 nights per period of cover
我方将在满足下述条件的基础上向您支付每日住院津贴:  
Paid instead of us making a payment for treatment provided under the plan when you  
      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  
您需要的住院治疗须过夜  
·       stay in hospital overnight  
您未曾报销任何病房费  
·      have not been charged for your room and board, and  
您未曾报销任何治疗费  
·      have not been charged for your treatment  
紧急牙科治疗 全额
Emergency dental treatment Paid in full
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  
   
您所享有的精神科护理责任  
Your Psychiatric Care
精神科护理 全额
Psychiatric Care Paid in Full
本项责任将在被保险人因精神疾病及精神障碍而接受住院、日间治疗或门诊治疗的基础上予以支付。  
This benefit will be paid in respect of psychiatric conditions and mental health disorders whether the beneficiary is staying in a hospital overnight or receiving treatment as a day-patient or out-patient basis.   
每一保险期间以90天为限,其中住院治疗最多可达30天,日间治疗及门诊治疗中每一次指每一天最多达90次。  
A total of 90 days cover is available in the period of cover and a maximum of 30 days can be used for in-patient treatment.  For day-patient and out-patient treatment, the phrase “90 days cover” means 90 visits.  
请注意每五个连续的保险期间以180天为限,其中住院治疗最多可达60天,日间治疗及门诊治疗中每一次指每一天最多可达180次。  
Please note that an overall 5 year total limit of 180 days will apply, of which a maximum of 60 days can be used for in-patient treatment.  For day-patient and out-patient treatment, the phrase “180 days cover” means 180 visits.  
   
   
您所享有的癌症护理责任  
Your Cancer Care
癌症治疗 全额
Cancer Treatment  Paid in Full
所有与癌症有关的必要治疗,包括住院、日间治疗或门诊治疗,以及化疗、放疗、肿瘤治疗、诊断测试及药物。  
All medically necessary treatment a beneficiary receives for or related to cancer, whether staying in a hospital overnight, as a day-patient or as an outpatient, including Chemotherapy, Radiotherapy, Oncology, Diagnostic Tests and Drugs)  
   
   
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 每一保险期间以¥ 90,000为限
Routine Maternity and Childbirth Cover Up to  ¥ 90,000
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。 per period of cover
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,妇产医生及助产医护人员费用。  
In-patient and out-patient treatment including hospital charges, obstetricians’ and midwives’ fees  
   
复杂妊娠及分娩保障 每一保险期间以¥ 180,000为限
Complicated Maternity and Childbirth Cover Up to  ¥ 180,000
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。 per period of cover
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,妇产医生及助产医护人员费用。  
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.  
   
家中分娩 每一保险期间以¥ 7,000为限
Childbirth at home Up to ¥ 7,000
  per year of insurance
新生儿护理 自出生之日起享有最多90天以¥1,000,000为限的保障,新生儿于出生之日起30天内加入本合同无须经医学核保
Newborn care Up to ¥ 1 Million,
 若父母亲任何一方目前在保于本合同。 for treatment within first 90 days following birth
If parent is already covered by the policy. No medical underwriting so long as child added within 30 days from birth
   
新生儿护理 自出生之日起享有最多90天以¥1,000,000为限的保障,新生儿加入本合同须经医学核保
Newborn care Up to ¥ 1 Million
 若父母亲任何一方目前均不在保于本合同。 for treatment within first 90 days following birth
If parent is not already covered by the policy. Subject to medical
  underwriting
先天性疾病 以¥ 250,000为限
Congenital conditions Up to
包括对先天性疾病的住院或日间治疗费用,且该先天性疾病须证明是在被保险人18周岁以前患有。 ¥250,000
Where treatment is provided on an in-patient or day patient basis and the congenital condition manifested itself before the patient’s 18th birthday  

更多问题,:请咨询 上海 18601779323 秦先生

上海高端国际医疗保险超市的服务特色

服务 详细
保险顾问: 上海秦朗爸爸 手机:18601779323 QQ:107242375 Email: hibaoxian@163.com
联系地址: 上海黄浦区
服务特色: 免费上门,一对一的个人和家庭规划
方案提供商: 信诺 保柏 美亚 IMG 安泰 安联 万欣和 吉倍吉 IMG 安盛等20家公司方案
Providers: Cigna, Bupa,Chartis,IMG,GBG,Aetna,Allianz,MSH,IMG,SevenCorners, AXA etc.