Coverage of accidental hospitalization allowance of China Merchants Cigna E accidental injury insurance.
According to the medical insurance clause of China Merchants Cigna's additional E-Nuo accidental hospitalization allowance, if the insured suffers accidental injury during the insurance period of the additional contract and is hospitalized in a public hospital above Grade II (including Grade II) recognized by the insurance company within 180 days from the date of the accidental injury, the insurance company will pay the beneficiary the accidental hospitalization allowance insurance according to the actual hospitalization days of the insured multiplied by the basic insurance amount of the additional contract. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
In each policy year, the cumulative payment days of hospitalization allowance insurance are limited to 180 days.
However, if the insured is hospitalized due to accidental injury, and physical injury or illness needs treatment due to reasons other than accidental injury during hospitalization, the insurance company will only compensate for hospitalization caused by accidental injury.
China Merchants Cigna E Accidental Injury Insurance Accidental Hospitalization Allowance Exemption Clause Content
China Merchants Cigna E Accident Insurance does not provide accidental hospitalization allowance protection for all the insured who have suffered accidental injuries. The insurance company shall not be liable for the payment of insurance benefits if the insured is hospitalized under any of the following circumstances, or if the insured is hospitalized within the following specified period:
1. The applicant intentionally kills or hurts the insured; ?
2. The insured intentionally commits a crime and resists criminal compulsory measures taken according to law; The insured commits suicide or self-injury; Fighting caused by the provocation or intentional behavior of the insured; ?
3. During the period of mental and behavioral disorders of the insured; ?
4. Symptoms or physical injuries of the insured before the supplementary contract takes effect; ?
Five, pregnancy (including ectopic pregnancy), delivery (including caesarean section), abortion and any of the above complications; ?
Six, dental repair, dental plastic surgery, dental treatment and surgery; Preventive surgery (such as preventive appendectomy);
Recuperation, recuperation and rehabilitation; Beauty, orthopedics, vision correction surgery, artificial limb installation; Unintentional injury
Cosmetic surgery; ?
Seven, the insured does not follow the doctor's advice to use drugs (except for the use of non-prescription drugs according to the instructions for use); During the period when the insured is under the influence of alcohol, drugs and controlled drugs; ?
Eight, disc herniation and protrusion; ?
9. Driving without a valid driver's license during drunk driving (see 14. 10), or driving a motor vehicle without a valid driver's license; ?
10. The insured is engaged in high-risk sports such as skydiving, gliding, diving, skiing, water skiing, rock climbing, snow mountain, adventure, martial arts competition, wrestling competition, boxing, stunt show, horse racing, bungee jumping and car racing; The insured participates in any sports competition as a professional athlete; ?
Xi。 War, military conflict, riot or armed rebellion; ?
Twelve, nuclear explosion, nuclear radiation or nuclear pollution. ?
Therefore, it is recommended that you carefully read the insurance clauses when you insure the accidental injury insurance of China Merchants Cigna E, so as to better understand your rights and interests.
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