非紧急情况下的堕胎，因心理或社会原因实施的堕胎及造成的相关并发症，以及选择性手术分娩；
Non-emergency abortions (abortion due to psychological or social reasons or related complications)
and selective operative childbirth.
不育症的检查和治疗、绝育恢复手术；.
Infertility examinations and treatments
变性手术；
Transsexual operations
用于提高性功能的药物、生育/分娩前的培训、与不育或生育相关的任何活细胞冷冻贮藏、植入和再植入费用。
Drugs to improve sexual functions, Delivery/pre-birth training, Expenses of any living cell freezing,
storage, implantation and re-implantation related to sterility or production
3) 器官移植类
Organ Transplants
除肾脏、肝脏、心脏、肺、造血干细胞以外的器官和组织的手术移植费用；
Expenses of transplant operations of organs and tissues other than kidney, liver, heart, lung and
hemopoietic stem cell transplant operations
供体的所有检查和治疗费用；
All expenses for examination and treatment of the supplier
寻找、购买、运输、贮存器官源或组织源的费用；
Expenses on looking for, purchasing, transporting and storing the organ or tissue source
与捐献自身组织、器官相关的任何费用。
Any expense related to the donation of the Insured’s own organs and tissues
4) 治疗项目类
Treatment Items
除心脏瓣膜、人工晶体、人工关节之外的人工器官材料费、安装和置换等费用；
Expenses of materials, installation and replacement of artificial organs, except for cardiac valves,
artificial lenses, joint prosthesis etc.
被保险人患性病、艾滋病或感染艾滋病病毒期间因疾病所导致的医疗费用(保障计划已覆盖除外)；
Treatment expenses of sexually transferred diseases, AIDS or diseases caused by the infection of HIV
(unless covered by your plan).
依据具有相应资格的医生判断，无医学必要性的手术和治疗，包括近视和斜视矫形术费用；
Expenses of operations and treatments that are deemed medically unnecessary by doctors with
corresponding qualifications such as orthopedic surgery for short sightedness (myopia) and strabismus
在健康水疗院、自然治疗诊所或类似疗养机构接受的治疗，或以隶属于该类机构、登记为“护理病房”的私人病
床形式接受的治疗；
Treatment at health spas, natural therapy clinics or similar institutions, or treatment at private sickrooms
belonging to such institutions and registered as “care wards”
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平安健康保险股份有限公司 Ping An Health Insurance Co., Ltd.