>政策与法规中国平安人寿股份有限公司来华人员综合保险保障计划简介
Brief Introduction to Ping An Life Insurance Corporate Of China, Ltd. Comprehensive Insurance & Protection Scheme for Foreigners staying in China
保险责任
Insurance coverage
在保险责任有效期内，本公司承担下列保险责任：
Ping An shall undertake the following insurance liabilities during the period of insurance:
1、身故保险责任：被保险人因意外伤害事故或疾病(含SARS)死亡，本公司按约定保险金额给付保险金，保险责任终止。
1． Death Insurance Ping An shall pay the stipulated amount of insurance compensation if the Insured dies of any accidental injury or disease (including SARS). Insurance liabilities thus terminate.
2、残疾保险责任：被保险人因遭受意外伤害保险事故，并自遭受意外伤害之日起一百八十日内导致残疾，乙方按照中国平安人寿保险股份有限公司“残疾程度与给付比例表（见附件一）”的规定比例乘以约定保险金额给付保险金。如第一百八十日治疗仍未结束，则按第一百八十日的身体情况进行残疾鉴定，并据“残疾程度与给付比例表”给付“意外残疾保险金”。
2．Disability Insurance: If the Insured suffers from any accidental injury which results in any disability within 180 days since the occurrence of the accidental injury, The sum insured shall be paid by Party B in the amount of agreed insured sum specified in the insurance policy multiply by certain proportion stated in the Disability Degree and Payment Proportion Table of Ping An Life Insurance Corporate Of China, Ltd. (See Annex 1). If the treatment is not finished on the 180th days, disability identification shall be conducted on the basis of the Insured’s physical condition on the 180th day, and the Insurance for Accidental Disability shall be paid in accordance with the Disability Degree and the Payment Proportion Table .
被保险人因同一意外伤害事故造成“残疾程度与给付比例表”所列残疾程度两项以上者，保险人给付各对应项残疾保险金之和。但不同残疾项目属于同一手或同一足时，仅给付一项残疾保险金；若残疾项目所属残疾等级不同时，给付较严重项目的残疾保险金。
If the same accidental injury results in two or more disabilities listed in the Disability Degree and Payment Proportion Table to the Insured, the Insurer shall pay the sum insuredto the sum of the amount to each corresponding disability. However, however if different disabilities take place to the same arm or leg, only one disability insured amount shall be paid; If the disabilities fall into different disability degrees, the disability insured amountfor the more serious disability shall be paid.
该次意外伤害事故导致的残疾合并前次残疾可领较严重项目残疾保险金者，按较严重项目标准给付，但前次已给付的残疾保险金（投保前已患或因责任免除事项所致“残疾程度与给付比例表”所列的残疾视为已给付残疾保险金）应予以扣除。
If with the disability resulted from this accidental injury and the previous disability taken together, the Insured could draw the insurance for the more serious disability, the insurance shall be paid in accordance with the standard for the more serious disability, but the disability insurance which has previously been paid (the disabilities took place before buying insurance or the disabilities listed in the Proportion Table between the Degree of Disability and the Payment which were resulted from exceptions shall be treated as being compensated already)shall be deducted.
被保险人不论一次或多次发生意外伤害保险事故，乙方均按规定分别给付意外残疾保险金，但累计给付金额以不超过约定保险金额为限。
Party B shall respectively pay the insurance compensation for accidental disability in accordance with the policy, no matter the Insured suffers from accidental injury for once or several times, however the accumulative payment hereto shall not exceed the stipulated sum insured.
每一被保险人的意外残疾、意外身故保险金的累计给付金额以其对应的意外伤害保险金额为限。
The accumulative amount of insurance for accidental disability or death of each insured shall not exceed the insured sum set for the corresponding accidental injury.
被保险人自意外伤害保险事故发生并导致残疾之日起一百八十日内由于同一原因死亡，乙方只给付约定意外身故保险金额与意外残疾保险金的差额；超过一百八十日死亡，不论是否同一原因所致，乙方按约定意外身故保险金额给付保险金，保险责任终止。
If the Insured dies of the same reason within 180 days since the occurrence of accidental injury which results in any disability, Party B shall be liable only for the difference between the stipulated insured amount for accidental death and for accidental disability; if the Insured dies after 180 days, Party B shall pay the stipulated insured amount for accidental death no matter if the death is caused by the same reason., and the insurance liability shall be terminated.
3、意外伤害医疗保险责任：
3．Accidental Injury Medical Treatment Insurance Liability
被保险人因遭受意外伤害事故，并自事故发生之日起一百八十日内进行治疗，本公司就其实际支出的合理医疗费用按100%给付意外伤害医疗保险金，累计给付金额以约定的保险金额为限。被保险人不论一次或多次发生意外伤害保险事故，保险人均按上述规定分别给付“意外伤害医疗保险金”，但累计给付金额以不超过该被保险人的保险金额为限，累计给付金额达到其保险金额时，对该被保险人的该项保险责任终止。
If the Insured receives any medical treatment within 180 days since the occurrence of the accidental injury, the insurer shall be liable for the full amount of the actual and reasonable expenses for medical treatment; however the accumulative payment shall not exceed the stipulated insured sum. No matter the Insured suffered from accidental injury once or many times, the Insurer shall respectively pay for the Accidental Injury Medical Treatment in accordance with the foresaid provisions, but the accumulative amount of payment shall not exceed the Insured amount, where the accumulative amount of payment amounts to the insured’s Insured sum, the said insurance liability for the said Insured shall be terminated.
4、住院医疗保险责任：
4．Hospitalization Medical Treatment Insurance Liability
被保险人因意外伤害事故或于保单生效日后因疾病（含SARS），经医院诊断必须住院治疗（门诊手术及医院无床位原因的观察室治疗视同住院医疗），乙方就其实际支出的护工费（限额100元/天，累计30天）、救护车费、建病历费、取暖费、空调费、床位费（限额300元/天）、检查检验费、特殊检查治疗费、手术费、药费、治疗费、化验费、放射费等合理医疗费用，按100%给付“住院医疗保险金”。
If the hospitalization is diagnosed to be necessary of the insured due toany accidental injury, or for any disease (including SARS) after the day of insurance policy become effective (Ambulatory Surgery and observation room treatment due to no bed available shall be treated as hospitalization medical treatment), Party B shall be liable for the actual and reasonable expenses for medical treatment including nursing fee (limited to RMB100 Yuan per day for accumulative 30 days), ambulance fee, medical record fee, heating fee, air conditioner fee, bed fee (limited to RMB300 Yuan per day), expenses for docimasia, special examination and treatment, operation, medicine, treatment, laboratory test, radiation and etc., and shall pay 100% of the costs of hospitalization medical treatment.
被保险人发生保险责任范围内的住院治疗，其因同一病因发生的院前、院后门急诊医疗费用可以按住院医疗费用赔付标准予以赔付。
If hospitalization treatment which is within the scope of insurance liability is necessary to the insured , the outpatient and emergency treatment fee before and after hospitalization arise from the same disease shall be paid in accordance with the payment standard of hospitalization medical treatment.
被保险人不论一次或多次住院治疗，本公司均在规定限额内给付保险金，分项累计给付金额达到其保险金额时，该项保险责任终止。
Insurer shall pay the costs of hospitalization without reference to the number of times within the regulated limits, however insurance liability shall be terminated once the accumulative payments reached the sum insured.
被保险人在本次投保前发生重大疾病或慢性病的，保险人不承担给付保险金的责任。
If the Insured suffered from critical
