American International Assurance (AIA,AIG) Beijing branch. www.aia.com.cn
	Address	The Exchange Beijing, No.118 Jian Guo Lu Yi, Chaoyang District, Beijing. 100022
	Agent	Xu Feng (Ricky)	Agent code: 110043766
	Tel	86-13911460247	Apply Now!

The translation of this contract into English is for your information only. The official and binding contract is the Chinese version.

SPECIAL PROVISIONS

ACCIDENTAL MEDICAL REIMBURSEMENT RIDER

1. The Rider

This Rider is attached to the Basic Policy and forms a part of the insurance contract, and shall not be effective unless it is included in the application or endorsement for the Basic Policy and approved by the Company. If the provisions of the Basic Policy and the Rider are in conflict, the provision of this Rider shall prevail.

This Rider will not be in effect unless it is stated in the application form or policy endorsement for the Basic Policy.

The name of this Rider is known as Accidental Medical Reimbursement Rider, or abbreviated as AMR,

2. Benefit

When by reason of an Injury sustain while this Rider is in force, the Insured shall pay expenses to a Physician, nurse. Hospital and / or ambulance service incurred within 180 days from the date of the accident, the Company will pay the actual & reasonable expensed to the Insured subject to the sum assured of the Rider.

The actual expenses shall be in accordance with the charge standard issued by Beijing Health Bureau or its counterpart in the place of the accident.

This benefit shall include the cost of consultation, prescription, surgical fees, ambulance fees, room charges, medicines, X-ray or nursing treatment, and the cost of medical supplies. And the covered expenses should be incurred in the hospital.

The prescriptions must be in accordance with "The Medical Reimbursement Coverage of Beijing Free Medical Services and Labor Medical Insurance" or its counterpart in the place of the accident. if part of or all of the medical expenses can be reimbursed by the government, any other welfare plan or medical expense insurance plan, the Company will only be liable to the excess of the amount paid or recoverable from such other sources.

3. Exclusions and Limitations

This Rider shall not cover any expense caused by any of the following conditions:

(1) dental prosthesis;

(2) refraction error correction;

(3) cosmetic or plastic surgery, and physical treatment;

(4) lumbosacral disc disease;

(5) congenital anomalies / diseases;

(6) the exclusions and limitations provision of Basic Policy applies.

4. Medical Expense Receipt

Upon the reimbursement of the accidental medical expenses, the Company will keep the originals of medical expense receipts of the hospital. If, as required by written application, the Company may give the originals of such receipts back to the claimant after sealing on them the amount already been paid. In case that 100% of the actual medical expenses has already been reimbursed under the Rider, the originals of medical expense receipts will not be given back to the claimant.

5. Termination

This Rider shall automatically be terminated on the earliest of the following:

(1) the Basic Policy is terminated;

(2) the Rider expires and the Company refuses to renew it;

(3) the Rider is canceled by the Policyowner.

Notes: