If you have social security, you can report it to the social security first and then to the insurance company, so the reimbursement rate is the largest. If you don't report to social security, you can report directly to the insurance company within the limit but not more than 80% of the cost.
Paragraph b is mainly within the limit but does not exceed 65%. This is to report to the social security first and then to the insurance company to maximize the reimbursement ratio.
1. This is a short-term additional insurance, with one-year premium and one-year guarantee. Continuous insurance will be reviewed every five years to determine whether to renew the insurance. ?
0-50 years old can be insured, and the insurance will be renewed until 64 years old. No fixed occupation, minors buy up to 4 copies; Medical staff and disabled people can buy up to 6 copies.
2. This kind of additional insurance cannot be attached to the main insurance whose payment period is less than 5 years.
3. The waiting period is 30 days, there is no waiting period for renewal of insurance, and there is no waiting period for hospitalization due to accidental injury. The expenses during the insurance period and within one month after the expiration of the contract shall be paid by the insurer. If the company agrees to renew the insurance, the grace period for payment is 60 days. ? Notify the company within three days of the accident, except for force majeure factors; Apply for insurance money within ten days after discharge.
4. "Cumulative life insurance risk protection" is less than or equal to 50,000 copies, and only 2 copies can be bought; Less than or equal to 65438+ 10,000, buy at most 4 copies; Less than or equal to 300 thousand people buy up to 6 copies; Less than or equal to 500 thousand people buy up to 8 copies; More than 5 10000, buy at most 10 copies. (The life insurance risk protection of all effective policies held by the Company for more than one year can be accumulated into the "Main Attached Life Insurance Risk Protection".
About compensation and conversion:
1. If the insured has obtained compensation from other channels (including social medical insurance institutions, work units, any commercial insurance institutions including our company, etc.). );
We will pay the balance of the insured's compensation within the payment limit of various insurance benefits and within the scope of expenses agreed in this additional insurance contract, and the balance of the paid expenses shall not exceed 80% of the expenses agreed in this additional insurance contract.
2. During the validity period of this additional insurance contract, if the insured enjoys social medical insurance or public medical insurance, please timely convert this additional insurance contract into "Ping An Additional Hospitalization Expenses Medical Insurance (B)".