（一）意外身故保险金

Accidental death

被保险人因遭受意外事故，并自事故发生之日起 180 日内因该事故身故的，本公司按其意外伤害保险金额

给付意外身故保险金，对该被保险人的保险责任终止。

If the insured sustains death caused solely by an accident within 180 days from the date of such

accident, the insurer will pay the sum assured as “accidental death benefit” and the contract

ceases to be liable for such insured.

（二）意外残疾保险金

Accidental disability

责任简述：

被保险人因遭受意外事故，并自事故发生之日起 180 日内因该事故造成本合同所附“残疾程度与给付比例

表”所列残疾之一的，本公司按该表所列比例乘以其意外伤害保险金额给付意外残疾保险金。如治疗仍未结

束的，按事故发生之日起第 180 日的身体情况进行残疾鉴定，并据此给付意外残疾保险金。

If the insured sustains any disability caused by an accident and within 180 days from the date of

such accident, the insurer will pay a percentage of the sum assured subject to the Indemnities’

Schedule. If the treatment is not over, a disability appraisal will be conducted based on the

physical status on the 180th day and the disability benefit will be paid accordingly.

Description:

意外险提供全球 24 小时意外保障。

AD&D for 24hours world wide coverage

医疗保险

Health Insurance

保障区域范围

Geographic

Coverage Area

年度总限额

中国大陆

China Mainland

Annual

300,000

Maximum

Aggregate Limit

被保险人因遭受意外伤害事故或疾病，经医生确诊必须住院治疗的，本公司就其每次住院发生的下列合理且

必要的住院医疗费用，按约定给付比例在各项费用的年限额、每日限额和最高给付日数范围内给付住院医疗

保险金：

1.住院医疗

If the Insured has to be hospitalized due to illness or accidental injury based on diagnosis by a

hospital, our Company will pay the following reasonable and necessary inpatient medical

expenses at a benefit ratio subject to the annual limits, daily limits and maximum days of coverage

for the relevant expenses.

Inpatient Benefits

赔付比例

Reimbursement

Rate

100%

80%

50%

床位费，膳食费，护理

费（最多 180 天/年）

Room,

Board,

180

1200/Day

Nursing(max

days/year

13 / 42

平安健康保险股份有限公司 Ping An Health Insurance Co., Ltd.