美国信诺 Cigna 全球高端医疗保险利益表

时间：2011-10-19 22:19:01 来源：作者：

一、国际医疗保障 International Medical Insurance

总保障限额 Core Plan – Overall Benefit Limit
每一保险期间内每一被保险人所有保险责任赔付限额 Annual Benefit – Maximum per beneficiary This includes claims paid across all sections of the International Medical Insurance	¥20,000,000 Up to ¥ 20 Million per period of cover

您所享有的基本医疗保险责任 Your Standard Medical Benefits

赔付限额 Benefit Limit

住院费用，具体包括：

Hospital Charges for:

住院治疗的护理费及病房费

• Nursing and accommodation for in-patient treatment

日间治疗费用

• Day case treatment

手术室及手术观察室费用

• Operating theatre and recovery room

住院或日间治疗的处方药及敷药剂费用

• Prescribed medicines, drugs and dressings for in-patient or

day case Treatment

门诊手术的治疗室费用

• Treatment room fees for outpatient surgery

全额

Paid in Full

重症监护室、冠心病监护室及高度医护室费用

Intensive care, intensive therapy, coronary care and

high dependency unit

全额

Paid in full

父母陪同病房费用

Parental Accommodation

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

全额

Paid in Full

外科医生及麻醉师费用

Surgeons’ and Anaesthetists’ Fees

适用于任何基于住院、日间治疗或门诊而施行的手术。

Whether surgery is provided on an in-patient, day case or out-patient basis.

全额

Paid in Full

专业医师咨询费用

Specialists’ consultation fees

本项责任适用于在被保险人住院时专科医师的常规巡查，并包括因医疗必要而须专业医生执导的重症紧急护理。

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

全额

Paid in Full

移植服务

Transplant Services

适用于住院或日间治疗期间

Where treatment is provided on an in-patient or day patient basis

全额

Paid in Full

物理疗法

Physiotherapy

适用于住院或日间治疗期间

Where treatment is provided on an in-patient or day patient basis

全额

Paid in Full

放射、病理检测、X光及诊断检测

Radiology, Radiotherapy, Pathology, X rays, diagnostic tests

适用于住院或日间治疗期间

Where treatment is provided on an in-patient or day patient basis

全额

Paid in Full

高清影像

Advanced imaging

适用于门诊、住院或日间治疗期间的核磁共振成像（MRI）、计算机断层扫描（CT）以及正电子发射断层扫描（ PET）

Includes MRI, CT and PET scans performed whether staying in hospital overnight, or as a day-case patient or as an out-patient

全额

Paid in Full

家庭护理费用

Home nursing charges

适用于在专业医师建议下于出院治疗后立即开始，基于全天侯治疗情况下与一般医院提供的医疗护理相同的家庭护理，每一保险期间内以 30天为限。

This benefit will be paid if recommended by a specialist immediately after hospital treatment or on a full time basis for treatment which would normally be provided in a hospital for up to 30 days in any one year of insurance.

全额

Paid in Full

康复

Rehabilitation

每一保险期间内以 30天为限

Up to 30 days per year of insurance

全额

Paid in full

临终住宿及安乐护理

Hospice stay to receive Palliative Care

全额

Paid in Full

内用假体设备/手术及医疗用品

Internal prosthetic devices/surgical and medical appliances

我方将支付被保险人治疗过程中施用内用植入假体、设备或医疗用品的费用。 We pay for internal prosthetic implants, devices or medical appliances needed as part of the beneficiary’s treatment.

本项责任应符合：

This benefit will be paid in respect of:

植入假体、设备或用品是在手术期间使用。

• a prosthetic implant, device or appliance which is inserted during surgery.

全额

Paid in Full

外用假体设备/手术及医疗用品

External prosthetic devices/surgical and medical appliances

我方将支付被保险人治疗过程中施用外用植入假体、设备或医疗用品的费用。 We pay for external prosthetic devices or appliances needed as part of the beneficiary’s treatment.

本项责任应符合：

This benefit will be paid in respect of:

作为治疗必要组成的假体设备或用品基于医疗必要紧接手术而施用。

• 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.

在短期恢复阶段基于医疗必要而施用的假体设备或用品。

• a prosthetic device or appliance which is medically necessary and is part of the recuperation process on a short-term basis.

注意：外用假体设备包括义肢或人造耳。

Please note: Examples of prosthetic devices include a prosthetic limb or prosthetic ear.

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.

每一假体设备以 ¥ 20,000为限

Up to¥ 20,000 for each prosthetic device

当地救护车

Local Road Ambulance

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 when related to covered hospitalisation

全额

Paid in Full

当地空中救护

Local Air Ambulance

因医疗必要而须使用当地空中救护（例如直升机）前往医院进行治疗

Medically necessary travel by local air ambulance, such as helicopter, when related to covered hospitalisation