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Medical Insurance

就诊前,请拨打电话40081051191进行登记和咨询。

Before you go to hospital due to disease or accident, you need call 4008105119 EXT 1 first.

 

就诊医院需为公立医院(中南医院除外,不可理赔);如需垫付,则请前往以下医院:协和医院、同济医院、武汉大学人民医院、武汉中心医院、天佑医院、肺结核防治所。

Hospitals for treatment shall be limited to the public hospitals within the territory of the Chinese mainland.(Do not go to Zhongnan hospital )

 

意外伤害和门诊医疗

Medical treatment for outpatient and accidental injuries

被保险人护照复印件及签证页复印件

a.    Copy of passport and visa page of the Insured

开户行,卡号等银行卡信息复印件

b.    Copy of bank card with your name, card number and opening bank name

 收费收据原件   

c.    Original of receipt(with official Ministry of Finance seal )

相对应每次就诊病历    

d.    Copy of medical record

费用明细

e.    Detailed expenditure sheet

检查、化验报告单复印件

f.     Copy of examination report and laboratory test report of each respective treatment (date of examination and date of invoice shall be corresponding).

意外事故经过及证明

g.    Course and certificate of accidentOnly need for accidental injuries

 

 

住院医疗

Hospitalization

被保险人护照复印件及签证页复印件

a.    Copy of passport and visa page of the Insured

开户行,卡号等银行卡信息复印件

b.    Copy of bank card with your name, card number and opening bank name

如意外事故需提供意外事故证明      

c.    Certificate of accident, incase of an accident (in case of traffic accident, the traffic unit should issue a liability confirmation of traffic accident)

收费收据原件  

d.    Original of receipt (with official Ministry of Finance seal )

费用明细原件     

e.    Detailed expenditure sheet for hospitalization

出院小结或者住院病历复印件       

f.     Copy of hospital discharge summary or medical record of hospitalization

       

 

保险理赔公式

Insurance Claims Formula

日限额:600元为每日就诊的最高费用限额

Daily limitThe top claim limit of available medical cost is RMB600.

起付线:650元(一个保险期内累计一次)

Starting-line to pay the limitationRMB650accumulative for one time during one valid insurance period

学生A在保期内(符合理赔条例),于201721日花费900元,53日花费400元,715日花费700元。那么计算公式则是 {(600+400 +600) -650} * 85%= 807.5元(累计给付保险金额为20000元)

1.To pay the line RMB650 example:  A during the insurance period due to illness in the local public hospital treatment, February 1st, 2017 to spend RMB900 May 3rd to spend RMB400, July 15th to spend RMB700  (treatment Costs are reasonable).

Claims calculation formula: {(RMB600 +RMB400 +RMB600) -RMB650} * 85% = RMB807.5(For medical expenses exceeding the starting line of RMB650, their remaining amount after deducting RMB650 will be reimbursed at a percentage of 85%, and the accumulative payment shall not exceed the limit of RMB20000. )

学生B在保期内(符合理赔条例),于201751日支付2100元,但因理赔日限额为600元,起付线为650元,这次无法进行理赔,可等累计后进行赔付。

2.B during the insurance period due to illness in the local public hospital treatment,  only one medical treatment in May 1st,2017 to spend 2100 yuan(treatment Costs are reasonable),which exceeds daily limit of RMB 600. But the claimed sum is below the starting-line RMB650,So there is no claim this time.

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