一般医疗保险金 300万
1、保险期间内,被保险人因遭受意外伤害事故或者在等待期后因罹患疾病,在中国境内二级及以上公立医院普通部发生的,应当由被保险人个人支付的必需且合理的一般医疗费用,保险人按照约定给付一般医疗保险金。
2、一般医疗费用包含含住院医疗费用、特殊门诊医疗费用、门诊手术医疗费用、住院前7天后30天门急诊医疗费用。
3、本项责任免赔额1万元,赔付比例100%。若以有社会医疗保险身份投保,但未以社会医疗保险身份就诊并结算的,则按60%的比例赔付。
特定疾病医疗保险金 300万
1、保险期间内,被保险人因遭受意外伤害事故或者在等待期后因初次罹患本合同约的特定疾病,在中国境内二级及以上公立医院普通部发生的,应当由个人支付的必需且合理的特定疾病医疗费用,保险人按照约定给付特定疾病医疗保险金。
2、特定疾病包括100种重度特定疾病、52种轻度特定疾病,具体详见《保险条款》。
3、特定疾病医疗费用包含特定疾病住院医疗费用、特定疾病特殊门诊医疗费用、特定疾病门诊手术医疗费用、特定疾病住院前7天后30天门急诊医疗费用。
4、本项责任重度特定疾病无免赔额,轻度特定疾病免赔额为5000元,保险人先按100%的比例给付特定疾病医疗保险金。若以有社会医疗保险身份投保,但未以社会医疗保险身份就诊并结算的,则按60%的比例赔付。
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