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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.
HOSPITAL INDEMNITY RIDER
l.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.
If the Insured's age is below 6-month-old, this Rider shall not be effective.
The name of this Rider is known as Hospital Indemnity Rider, or abbreviated as HI.
2. Benefit
If. as a result of Injury or Sickness which occurs while this Rider is in force, the Insured shall be necessarily confined, within a Hospital as an-inpatient under medical treatment, diagnosis and professional care of a Physician, the Company will pay the Daily 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 Injury or Sickness. Successive periods of hospital confinement, due to the same cause, shall be considered as resulting from one Injury or Sickness unless the hospital confinement is separated by at least 90 days from the immediately preceding hospital confinement.
3. Exclusions and Limitations
This Rider shall not cover any hospital confinement caused by any one of the following occurrences:
(1) violation of the law or resistance to arrest, or imprisonment;
(2) sunstroke, refraction error, mental disease or being under the influence of alcohol drug or restricted medicine;
(3) pregnancy, miscarriage, childbirth, contraception, and infertility and ligation;
(4) cosmetic or plastic surgery or any derive surgery or congenital anomalies or congenital disease;
(5) dental care or surgery unless necessitated by an accident;
(6) general check-up, convalescence, custodial or rest care;
(7) treatment or surgery for tonsils, adenoids, hernia or a disease peculiar to the female generative organs unless the Insured has been continuously covered under this Rider for a period of 120 days immediately preceding such treatment or surgery;
(8) In case of (1) or (2) or (3) or (6) or (9) or from (11) to (17) listed in EXCLUSIONS AND LIMITATIONS of the Basic Policy.
4. 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 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.
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:
In case of (2), this Rider shall automatically be terminated on 24:00 of the expired date.
6. Definition
(1) Sickness: shall mean sickness or disease contracted and whose sign and symptom commenced after the Insured has been covered under this Rider for not less than thirty days, after the effective date or date of reinstatement, if any, of this Rider, and excludes conditions for which the Insured received or was recommended by a Physician to receive medical treatment, diagnosis, consultation or prescription preceding the effective date or date of reinstatement of this Rider.
(2) Hospital: shall mean an institution providers organized facilities for diagnosis and major surgical facilities, and is being rated grade two or above as a general or specialist hospital, but excluding observation wards, united wards or rehabilitation wards;
(3) Number of days of Hospital confinement: shall be defined as the number of days for which the hospital makes a change for room and board and provides treatment to the Insured. Every 24 hours of hospital confinement is counted as one day.
INTENSIVE CARE UNIT BENEFIT 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.
If the Insured's age is below 6-month-old, this Rider shall not be effective. The name of this Rider is known as Intensive Care Unit Benefit Rider, or abbreviated as ICU,
2. Benefit
If, as a result of Injury or Sickness which occurs while this Rider is in force, the Insured shall be necessarily confined, within a Hospital Intensive Care Unit as an-inpatient under medical treatment, diagnosis and professional care of a Physician, the Company will pay the Intensive Care Unit 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 Injury or Sickness. Successive periods of hospital confinement, due to the same cause, shall be considered as resulting from one Injury or Sickness unless the hospital confinement is separated by at least 90 days from the immediately preceding hospital confinement.
3. Exclusions and Limitations
This Rider shall not cover any hospital confinement caused by any one of the following occurrences:
(1) violation of the law or resistance to arrest, or imprisonment;
(2) sunstroke, refraction error, mental disease or being under the influence of alcohol drug or restricted medicine;
(3) pregnancy, miscarriage, childbirth, contraception, and infertility and ligation;
(4) cosmetic or plastic surgery or any derive surgery or congenital anomalies or congenital disease;
(5) dental care or surgery unless necessitated by an accident;
(6) general check-up, convalescence, custodial or rest care;
(7) treatment or surgery for tonsils, adenoids, hernia or a disease peculiar to the female generative organs unless the Insured has been continuously covered under this Rider for a period of 120 days immediately preceding such treatment or surgery;
(8) In case of(l)or (2) or (3) or (6) or (9) or from (11) to (17) in EXCLUSION AND LIMITATION of the Basic Policy.
4.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, intensive care unit records and proof of expenses, 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.
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:
In case of (2), this Rider shall automatically be terminated on 24:00 offhe expired date.
6. Definition
(1) Sickness: shall mean sickness or disease contracted and whose sign and symptom commenced after the Insured has been covered under this Rider for not less than 30 days, after the effective date or date of reinstatement, if any, of this Rider, and excludes conditions for which the Insured received or was recommended by a Physician to receive medical treatment, diagnosis, consultation or prescription preceding the effective date or date of reinstatement of this Rider.
(2) Hospital: shall mean an institution providers organized facilities for diagnosis and major surgical facilities, and is being rated grade two or above as a general or specialist hospital, but excluding observation wards, united wards or rehabilitation wards;
(3) Intensive Care Unit: shall mean the special unit equipped with qualified medical care personnel and fixed facilities, providing 24-hour continuous care for serious in-patients, whose cost is charged per day.
(4) Number of Days of Hospital confinement: shall be defined as the number of days for which thehospital makes a change for room and board and provides treatment to the Insured. Every 24 hours of hospital confinement is counted as one day.
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