1. If it should be borne by a third party or paid from work injury insurance or maternity insurance, the insurance company will not be liable for compensation.

2. If it does not exceed the deductible set by the guarantee liability, the insurance company will not compensate.

3. The medical expenses incurred by the insured who meets the conditions for applying for charitable assistance because the insured fails to submit the relevant application or the application materials are incomplete for personal reasons, resulting in the failure of the application for assistance projects; If the insured passes the aid inspection, but fails to receive the aid drugs due to the insured's reasons, it shall be deemed that the insured voluntarily waives the applicable insurance rights and interests under this contract.

4. The insured stops paying the local basic medical care during the insurance period, and the insurance company will not compensate the medical expenses incurred before the insurance liability start date (65438+0: 00 in 2022 10: 00).

5. Non-disease treatment items, such as medical examination, premarital examination, travel medical examination, occupational medical examination, exit medical examination and other expenses, as well as various diagnosis and treatment items of infertility (pregnancy) and sexual dysfunction, the insurance company will not compensate.

6. Other cases that will not be reimbursed, such as all kinds of cosmetic surgery, plastic surgery, non-functional orthopedics, weight loss, freckle removal, mole removal, skin care, dental implants, tooth washing, glasses, artificial eyes, artificial limbs, hearing aid assembly and other expenses.

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West Lake Yilian Insurance is the third inclusive commercial insurance in Hangzhou and the first inclusive medical insurance jointly underwritten by China Life Insurance, PICC Property Insurance, Pacific Insurance, Taikang Life Insurance and Ping An Property Insurance under the guidance and support of Hangzhou Medical Insurance Bureau. The characteristics of this kind of Huimin insurance are obvious. Age, occupation, health status and past medical history are not limited, and the maximum amount of protection is 3 million. The guarantee is rich in content. You can reimburse both expenses within the scope of medical insurance and expenses outside the scope of medical insurance. Covering critical illness insurance, supplementary medical care, inpatient and outpatient medical care for specific diseases, supplementary medical care for reasonable drugs/materials outside the medical insurance catalogue, innovative drugs/consumables for specific tumors and serious diseases, and special medical care for three rare diseases, it can be used as supplementary medical insurance to effectively reduce the burden on patients.