huataiglobalgrouphealthinsuranceplan华泰全球至尊健康团体.docVIP

Huatai Global Group Health Insurance Plan 华泰全球至尊健康团体医疗保险计划 Benefits Schedule-MHD 保障计划 ￥ - Plus ￥ -增强保障 Effective April, 2014 自2014年4月生效 In the table below, we have?displayed the benefits applicable?to your cover. 我们在下表中为您提供了适用于您所购保险之保障内容 To help you understand your cover, the words and phrases that are in bold in your policy documentation have specific meanings, and are defined in the IHP Member Handbook. 为帮助您理解所购保险，您保单文件中加粗的用词和用句具有特定的意义，可在《会员手册》中获得其释义。 The following benefits are covered under this policy up to the maximum aggregate limit subject to the benefit limits in this schedule, the applicable medical underwriting, the member’s certificate of insurance and our general conditions and exclusions. 下述保障内容具有本保障计划中规定的年度最高赔付限额，并适用于相关医疗核保、会员保险凭证及我们的普通条款与免责条款。 General exclusions include: alcohol, drug or solvent abuse, cosmetic treatment, sexually transmitted diseases, sterilisation and elective medical checkups. 一般性除外责任包括：滥用酒精、药品或溶媒，发整形美容，性传播疾病，绝育以及选择性医疗检查。 All benefits shown are per insured person, per period of cover (unless specifically stated), and the selected policy excess applies to all benefits on a per medical condition basis (unless specifically stated). 所有保障内容均以每名投保人每个保险期（特别说明除外）计算。已选择的保单免赔额适用于每例疾病全部保障内容（特别说明除外）。 46.06.569.1-CHHT (4/14) Plus 增强 Maximum Annual Aggregate Limit 年度最高赔付限额 We will provide cover for the treatment of medical conditions that first occur during any period of cover and where treatment is actually given during the current period of cover or where such medical conditions have occurred prior to the date of entry but have been declared to and accepted by us in writing, or where the policyholder has purchased Medical History Disregarded. All costs incurred must be medically necessary and subject to reasonable and customary charges, based on the average treatment costs applicable to the region in which the treatment was received, as determined by us. Inpatient accommodation costs are for a standard private room unless the plan sp