招商信诺寰球至尊C高端个人医疗保险 - 基本医疗保障
Global C Individual Platinum Medical Insurance - Basic Medical Benefit
基本医疗保障为您提供所需要的住院治疗及日间病房的护理费及病房膳食费,父母陪同,家庭护理等费用的保障。另外,还包括重症治疗室、加护病房或冠心病监护室费用,外科医生及麻醉师费用,器官、骨髓及干细胞移植费用,还可享受紧急转运服务保障和第二诊疗意见。
Basic Medical Benefit protects you for as many everyday needs as possible - including nursing and accommodation for in-patient and day-patient treatment. Parental Accommodation,Home nursing charges. You will also have essential cover for intensive therapy, coronary care and high dependency unit.Surgeons’and Anesthetists’ Fees.Transplant services for organ, bone marrow and stem cell transplants. And emergency evacuation covers you more comprehensively for medical Consultation, Evaluation and Referrals. Emergency Medical Evacuation and medical second opinion.
钻石计划
Diamond Plan
白金计划
Platinum Plan
黄金计划
Golden
保障区域
Area of Cover
全球  WW
全球除美国 WW Exc USA
亚洲 Asia
全球  WW
全球除美国 WW Exc USA
亚洲 Asia
亚洲 Asia
大中华Greater China
中国大陆 Mainland China
特定医院自负比例
Special Provider Copay
0%
20%
100%
0%
20%
100%
0%
20%
100%
基本医疗保障      
Basic Medical Benefit
每一保险期间内每一被保险人的国际医疗保障的赔付限额 ¥20,000,000 ¥10,000,000 ¥5,000,000
Annual Benefit – Maximum per beneficiary. This includes claims paid across all sections of the International Medical Insurance Up to ¥ 20 Million per period of cover Up to ¥ 10 Million per period of cover Up to ¥ 5 Million per period of cover
您所享有的基本医疗保险责任 赔付限额 (可能适用免赔额) 赔付限额 (可能适用免赔额) 赔付限额 (可能适用免赔额)
Your Standard Medical Benefits Benefit Limit (Subject to Deductable) Benefit Limit (Subject to Deductable) Benefit Limit (Subject to Deductable)
综合住院医疗费用,具体包括: 全额 全额 全额
Hospital Charges for: Paid in Full Paid in Full Paid in Full
-住院治疗及日间病房的护理费及病房膳食费;      
• Nursing and accommodation for in-patient and day-patient treatment;      
-日间病房治疗费用;      
• Day case treatment;      
-手术室及麻醉复苏室费用;      
• Operating theatre and recovery room;      
-住院或日间病房治疗的处方药及敷料费用;      
• Prescribed medicines, drugs and dressings for in-patient or day case  treatment;      
重症监护室,包括重症治疗室、加护病房或冠心病监护室 全额 全额 全额
Intensive care: intensive therapy, coronary care and high dependency unit Paid in full Paid in full Paid in full
父母陪同病房费用 全额 每一保险期间以¥ 6,000为限
Parental Accommodation Paid in Full Up to the ¥ 6,000 per period of cover NA
本项责任仅适用于未满18周岁的未成年人。如被保险人须过夜留院治疗,我方将支付合理的在同一医院的父母陪同住宿费用。      
This applies to dependent children under the age of 18.  CIGNA will pay for reasonable costs for a parent staying in the same hospital with the child where the child is required to stay in the hospital overnight.      
外科医生及麻醉师费用 全额 全额 全额
Surgeons’ and Anesthetists’ Fees Paid in Full Paid in Full Paid in Full
适用于任何基于住院、日间病房或门诊而施行的手术。      
Whether surgery is provided on an in-patient, day case or out-patient basis.      
专科医生诊疗费 全额 全额 全额
Specialists’ consultation fees Paid in Full Paid in Full Paid in Full
本项责任适用于在被保险人住院时专科医生的常规巡查,并包括因医疗必要而须专科医生执行的重症紧急护理。      
This benefit is paid in full for regular visits by a specialist during stays in hospital including intensive care by a specialist for as long as is required by medical necessity.      
器官、骨髓及干细胞移植费用 全额 全额 全额
Transplant services for organ, bone marrow and stem cell transplants Paid in Full Paid in Full Paid in Full
适用于住院发生的移植治疗。      
Where treatment is provided on an in-patient basis.      
病理检测、放射学检查及诊断检测 全额 全额 全额
Pathology, Radiology and diagnostic tests Paid in Full Paid in Full Paid in Full
适用于住院或日间病房期间。      
Where treatment is provided on an in-patient or day patient basis.      
物理疗法及补充治疗 全额 每一保险期间以¥ 30,000为限 每一保险期间以¥ 20,000为限
Physiotherapy and complementary therapies Paid in Full  Up to the ¥ 30,000 per period of cover Up to the ¥ 20,000 per period of cover
适用于住院或日间病房期间。    
Where treatment is provided on an in-patient or day patient basis.    
核磁共振、计算机断层扫描及正电子发射断层扫描 全额 每一保险期间以¥ 60,000为限 每一保险期间以¥ 30,000为限
MRI, CT and PET scans Paid in Full Up to the ¥ 60,000 per period of cover Up to the ¥ 30,000 per period of cover
我方将支付在住院、日间病房或门诊发生的这些扫描检查。    
We will pay for these scans whether received on an inpatient, day-patient or an outpatient basis.    
家庭护理费用 全额 每一保险期间以¥ 30,000为限
Home nursing charges Paid in Full Up to the ¥ 30,000 per period of cover NA
每一保险期间内以30天为限。      
Paid up to 30 days in any one period of cover.      
康复治疗 全额 每一保险期间以¥ 30,000为限 每一保险期间以¥ 20,000为限
Rehabilitation Paid in Full Up to the ¥ 30,000 per period of cover Up to the ¥ 20,000 per period of cover
每一保险期间内以30天为限。    
Paid up to 30 days in any one period of cover.    
临终关怀及姑息治疗 全额 每一保险期间以¥ 30,000为限
Hospice stay to receive Palliative Care Paid in Full Up to the ¥ 30,000 per period of cover  NA
内置修复体、设备及装置 全额 全额 全额
Internal prosthetic devices/surgical and medical appliances Paid in Full Paid in Full Paid in Full
我方将支付:       
We pay for:      
-手术过程中植入体内的假体、设备或医疗用品。      
• a prosthetic implant, device or appliance which is inserted during surgery.      
外置修复体、设备及装置 每一假体设备以¥ 20,000为限 每一假体设备以¥ 20,000为限
External prosthetic devices/surgical and medical appliances Up to¥ 20,000 for each prosthetic device Up to¥ 20,000 for each prosthetic device NA
我方将支付:       
We pay for:      
-手术后立即需要的、医疗必要的修复性设备或装置。      
• a prosthetic device or appliance which is a necessary part of the treatment  immediately following surgery for as long as is required by medical necessity.      
-在病后恢复阶段内短期内需要的、医疗必要的修复性设备或装置。      
• a prosthetic device or appliance which is medically necessary and is part of the recuperation process on a short-term basis.      
我方为成年人仅支付一次外用假体费用。我方为16周岁及以下的未成年人支付初始的假体设备费用及最多两次用于替换的假体设备费用。      
For adults, we will pay for one external prosthetic device. For children up to the age of 16, we will pay for the initial prosthetic device and up to two replacement devices.      
当地救护车及空中救援服务 全额 全额 全额
Local Ambulance and Air Ambulance Services Paid in Full Paid in Full Paid in Full
因医疗必要而须使用当地救护车前往医院进行治疗。      
Medically necessary travel by local road ambulance or local air ambulance, such as a helicopter, when related to covered hospitalization.      
无赔付住院津贴 ¥ 1,000/天,每一保险期间内以30天为限 ¥ 1,000/天,每一保险期间内以30天为限 ¥ 800/天,每一保险期间内以30天为限
No Claim Hospitalization Cash Benefit ¥ 1,000 per night, up to 30 nights per period of cover ¥ 1,000 per night, up to 30 nights per period of cover ¥ 800 per night, up to 30 nights per period of cover
如果被保险人进行可获本保险合同赔偿的住院治疗,但未就病房膳食费、治疗等任何医疗费用进行理赔,我方将向被保险人支付住院津贴。如果给付住院津贴,我方将不再赔付该次住院相关的任何医疗费用。
We will make cash payments directly to a beneficiary who has received inpatient treatment but has not been charged for that treatment or for accommodation, if the treatment is covered under this policy. If the inpatient cash has been paid, we will not pay any costs related to this inpatient.
紧急牙科治疗 全额 全额 全额
Emergency dental treatment Paid in Full Paid in Full Paid in Full
因遭受严重意外事故后24小时内在住院接受的牙科治疗,不包括后续治疗。      
Dental treatment in hospital within 24 hours after a serious accident, excluding follow-ups.      
您所享有的精神疾病医疗责任      
Your Psychiatric Care
精神疾病医疗 全额 每一保险期间以¥ 60,000为限
Psychiatric Care Paid in Full Up to the ¥ 60,000 per period of cover NA
我方将支付:      
We will pay for:      
-精神疾病或异常的治疗。      
• treatment of mental health conditions and disorders.      
-成瘾性治疗      
• addiction treatment.      
包括被保险人在住院还是在日间病房或门诊接受治疗。一个保险期间内累积以90天为限,包括最多30天住院。对日间病房治疗和门诊,每就诊日计作“1       
Whether the beneficiary is staying in a hospital overnight or receiving treatment as a day-patient or outpatient. A combined maximum total of 90 days cover is available in the period of cover, including up to 30 days of inpatient treatment. For day-patient and outpatient treatment, each visit will count as one day.      
一个连续5年的期间内总累积限180天,其中住院最多可以到60天。      
An overall 5 year total limit of 180 days cover will apply, of which a maximum of 60 days can be used for inpatient treatment.      
癌症治疗 全额 全额 全额
我方将支付对癌症进行的积极治疗及循证治疗。包括:被保险人在住院、日间病房或门诊发生的化疗、放疗、肿瘤病理、检查化验及药物等。 Paid in Full Paid in Full Paid in Full
We will pay for active and evidence-based treatment received for, or related to cancer, including chemotherapy, radiotherapy, oncology, diagnostic tests and drugs whether the beneficiary is staying in a hospital overnight or receiving treatment as a day-patient or outpatient.      
新生儿护理 自出生之日起享有最多90天以¥1,000,000为限的保障 自出生之日起享有最多90天以¥500,000为限的保障 自出生之日起享有最多90天以¥250,000为限的保障
Newborn care Up to ¥ 1 Million, Up to ¥ 0.5 Million, Up to ¥ 0.25 Million,
如在新生儿出生前的10个月或更长期间内,其父母中至少有一位已经持续有效地作为我方被保险人,如果新生儿于出生7天内申请加入本保险合同,您方可以选择自出生时加入新生儿;其他情况下,新生儿将在审核通过日加入。 for treatment within first 90 days following birth for treatment within first 90 days following birth for treatment within first 90 days following birth
If at least one parent has been covered by the policy for a continuous period of 10 months or more prior to the newborn’s birth and the application is received by us within 7 days of the newborn’s date of birth, the newborn cover could begin at birth. Otherwise, the newborn cover will begin at approval.      
先天性疾病 每一保险期间以¥ 250,000为限 每一保险期间以¥ 125,000为限
Congenital conditions Up to ¥ 250,000 shown per period of cover Up to ¥ 125,000 shown per period of cover NA
包括对先天性疾病的住院或日间病房治疗费用,且该先天性疾病须在被保险人18周岁以前已经证明患有。      
Where treatment is provided on an in-patient or day patient basis and the congenital condition manifested itself before the patient’s 18th birthday      
本保障仅适用于18周岁以下的被保险人。      
This benefit only applies for the beneficiary (ies) less than 18 years old.      
紧急转运服务保障      
Emergency Evacuation
医疗咨询评估和推荐 提供
Provided
提供
Provided
提供
Provided
Medical Consultation, Evaluation and Referrals      
紧急医疗转运      
Emergency Medical Evacuation      
紧急医疗撤离      
Medical Repatriation      
入院担保      
Hospital Admission      
医疗监护      
Medical Monitoring      
处方药援助      
Prescribed medicines Assistance      
紧急信息传递      
Emergency Message Transmission      
亲友接送      
Compassionate Visit      
未成年子女关爱      
Care and/or Transportation of Minor Children      
遗体/骨灰运送      
Return of Mortal Remains      
法律和翻译推荐      
Legal and Interpreter Referrals      
应急现金协调      
Emergency Cash Coordination      
证件行李遗失援助      
Lost Luggage or Document Assistance      
(旅行前)信息咨询      
Pre-trip Information      
第二诊疗意见  提供 提供 提供
medical second opinion provided provided provided
您可选择的免赔额      
Your deductible options
免赔额(多项) ¥ 0 / ¥ 5,000 / ¥ 10,000 / ¥ 20,000 / ¥ 50,000 ¥ 0 / ¥ 5,000 / ¥ 10,000 / ¥ 20,000 / ¥ 50,000 ¥ 0 / ¥ 5,000 / ¥ 10,000 / ¥ 20,000 / ¥ 50,000
Deductible (various)
免赔额作为理赔的组成部分将不涵盖于您的保险责任当中。
A deductible is a portion of a claim or claims that is not covered by your plan.
自负比例 No Copay No Copay No Copay
Copay 10% Copay 10% Copay 10% Copay
自负比例是根据你的保障计划,不被赔付的费用比例。因自负比例而自负的金额后于因免赔额而自负的金额之后而计算。 20% Copay 20% Copay 20% Copay
Copay is the percentage of your claim not covered by your plan.  The Copay amount is calculated after the deductible is taken into account.