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American International Assurance (AIA,AIG) Beijing branch. www.aia.com.cn
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| Address |
The Exchange Beijing, No.118 Jian Guo Lu Yi, Chaoyang District, Beijing. 100022 |
| Agent |
Xu Feng (Ricky) |
Agent code: 110043766 |
| Tel |
86-13911460247 |
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The translation of this contract into English is for your information only. The official and binding contract is the Chinese version.
SPECIAL PROVISIONS
ACCIDENTAL HOSPITAL INCOME SPECIAL PROVISION(AHI)
1 . This Special Provision is applied as an independent and optional rider of the Policy, and shall not be effective unless it is included in the application or endorsement for the Policy and approved by the Company. If it conflicts with the prior provision, this Special Provision shall prevail.
2. BENEFIT PROVISION
If, as a result of injury which occurs while this Rider is in force, the Insured shall be necessarily confined, within a Hospital as a resident patient under medical treatment,diagnosis and professional care of a Physician, the Company will pay the Accidental Hospital Income Benefit stated in the application with respect to such Insured based on the actual Number of Days of Hospital Confinement, but not exceeding 180 days for any one Accident. Successive periods of hospital confinement, due to the same cause, shall be considered as resulting from one Injury unless the hospital confinement is separated by at least ninety days from the immediately preceding hospital confinement.
3. Exclusions and Limitations
In addition to the exclusion and limitation stated in articlel3, this special provision shall not cover any hospital confinement caused directly or indirectly, wholly or partly by any one of the following reasons:
( 1 )sunstroke, detachment of retina, or retinodialysis;
(2)cosmetic or plastic surgery or any derive surgery or congenital anomalies or congenital disease;
(3)dental care or surgery unless necessitated by an accident;
(4)general chenk-up, convalescence, custodial or rest care;
4. Definition
(1) Hospital:shall mean an institution which meets all the following requirements;
(a) holds a license as a hospital;
(b) operates primarily for the reception, care and treatment of sick, ailing ro injured persons as in-patients;
(c) provides 24-hour a day medical and nursing services by legally registered Physicians and nurses;
(d) provides organized facilities for diagnosis and major surgical facilities,and is a second Grade Hospital and above General or Specialist Hospital, but excludes observation wards, united wards, and rehabilitation wards;
(e) is not primarily a hospital for rehabilitation, clinic, nursing,rest or convalescent home, a place for alcoholics or drug addicts or similar establishment.
(2)Physician: shall mean a qualified practitioner of medicine in the hospital, and also means legally authorized and registered to render medical and surgical services, make diagnosis, and write prescriptions in the district of his or her practice.
(3)Hospital confinement: is defined as the number of days for which the hospital makes a change for room and board and provides treatment to the Insured. Every consecutive 24hours of hospital confinement is counted as one day.
5. PROOF OF HOSPITALIZATION
After being discharged from the Hospital, originals of official statement of accounts and receipts of the Hospital, affirmative proof of hospital confinement and surgery, and any other forms as the company prescribes must be furnished to it as soon as possible at the expense of the Insured after the termination of the period for which claim is made.
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