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方案丰富----全面医疗保障-------亲子计划搭配灵活-----多买多折扣------新增自由保障责任-----免现金就医
价格：￥3859元/起
适用人群：入保年龄为15天-64周岁，续保最高年龄为75周岁
保险期限：1年
产品详情：
臻荣耀2023投保须知
Fami Hicare (Zhenrongyao) 2023 Insurance Instruction
1. 入保年龄为15天至64周岁,续保最高年龄至99周岁。投保年龄在55岁以上需提供近半年内的健康体检报告。需要的检查报告如下：常规血液和胆固醇检测、身高/体重指数检测、静态血压检测、尿检、心脏检查、心电图、其他主要器官功能检测，以及X光线胸透视。
Insured age is from 15 days to 64 years old; the maximum renewal age is 99 years old. The insured is 55 years old and above, the examination report checked within half a year is required, including: routine blood and cholesterol tests, height/body mass index tests, static blood pressure tests, urine tests, heart tests, electrocardiogram, other major organ function tests, and X-ray chest fluoroscopy.
2. 主被保险人的父母、配偶或子女可作为本合同的附属被保险人；0-17岁子女只能以附属被保险人身份入保。
Parents, spouse, or child of the main insured can be enrolled as the additional insured of this contract. Child aged from 0 to 17 only can be enrolled as additional insured.
3. 在保险期间内，被保险人应当在中国大陆居住合计180天或以上时间，若被保险人停留于中国大陆以外的地区累计超过180日，投保人或被保险人应及时告知保险人，保险人对被保险人在中国大陆以外的地区居住累计超过180日后在中国大陆以外的地区产生的任何费用不承担给付保险金的责任。若投保时采用以下非常住中国大陆地区（港澳台及境外地区）承保规则，则不受此限制：（1）加费承保规则：欧洲、新加坡、日本、韩国费率上调50%，美国/加拿大费率上调100%，其他国家及地区费率上调20%；（2）医院选择范围：默认医院范围是包含昂贵医院，且不可更改；（3）对于在保险期间内在中国大陆以外多个地区居住累计超过180日的被保险人，加费承保费率按被保险人居住时间最长的地区中的最高费率来计算。
During the insurance period, the insured shall reside in the mainland of China for a total of 180 days or more. If the insured stays outside the mainland of China for more than 180 days in total, the applicant or the insured should notice the insurer in time, and the insurer is not liable to pay any expenses incurred outside of the mainland of China after the insured has stayed outside of the mainland of China for more than 180 days in total. If the following underwriting rules for resident out of the mainland of China (refers to Hong Kong, Macao, Taiwan, and overseas areas) are applied at the time of issuing, then domestic residence requirements above are not applicable:
(1) Rule of price increment: the rate for residents in Europe, Singapore, Japan, Korea will be increased by 50%, the rate for residents in the United States and Canada will be increased by 100%, and the rate for residents in other countries or regions will be increased by 20%. (2) Hospitals covered: the default choice of the covered hospitals has to include high-cost providers; (3) If the insured stays in multiple areas outside the mainland of China for more than 180 days in total during the insurance period, the price increment shall be the highest level among areas where the insured stays for the longest time.
4. 投保人或被保险人职业为律师、医疗机构从业人员、高风险职业从业者，需经核保确认后方可投保，否则不予承保。
The insurance liability is subject to underwriting confirmation, if the policy holder or the insured occupation is a lawyer, a medical practitioner, or a high-risk professional.
5. 自由保障保险责任下的牙科医疗费赔付比例与牙科治疗保险责任中的牙科医疗费赔付比例相同。
The compensation percentage of dental expenses of extra benefits is consistent with the compensation percentage of dental expenses of the optional dental benefit.
6. 预先授权 Pre-Authorization
保险计划中有些特殊的治疗项目需要预先授权。客户在获得这些治疗前需事先确认该项治疗费用是否能得到理赔以及理赔标准是多少。
Some special treatment items in the insurance plan require pre-authorization. Before receiving these treatments, customers need to confirm in advance whether the treatment costs can be covered and what the compensation standard is.
需要预先授权的治疗项目包括：Treatment items that require pre-authorization include:
（1）所有住院治疗；
All inpatient treatment；
（2）任何需要全麻下进行的门诊手术；癌症治疗以及血液或者腹膜透析; Outpatient surgeries requiring general anesthesia; therapy for cancers, hemodialysis and peritoneal dialysis；
（3）紧急医疗转运；
Emergency medical evacuation；
（4）购买或者使用非一次性耐用医疗设备，包括但不限于胰岛素泵及其配套器械；Purchase or rent disposable, durable medical equipment, including but not limited to insulin pumps and their associated equipment；
（5）牙科意外伤害修补治疗；
Dental accidental injury repair treatment；
（6）每剂超过 8,000 元的药剂或疫苗；
A drug or vaccine that costs more than ￥8,000 per dose;
（7）任何“康复治疗和专业护理费”、“境内异地就医交通费”、“睡眠检查和治疗费”、“临终关怀费”责任中包含的项目。
Anything covered in "rehabilitation and nursing care expenses", "medical transfer expenses between cities in Chinese Mainland territory", "hospice" responsibilities.
客户在进行上述治疗前若未获得医疗服务中心书面许可回复，被保险人接受医疗的，保险人有权不承担保险责任。如遇紧急情况，被保险人只需在该紧急情况发生后48小时内通知保险人即可。
If the client does not obtain written permission from the medical service center before the above-mentioned treatment, and the insured receives medical treatment, the insurer has the right not to bear the insurance liability. In case of an emergency, the insured only needs to notify the insurer within 48 hours of the emergency.
7. 续保 Renewal
本合同保险期间届满前30日（含第30日）内，投保人可向保险人提出再次投保本合同的申请，保险人也可向投保人发送再次投保本合同的邀约。在保险合同期满后30日内，经投保人申请且保险人同意继续签发保单的，下一年度保单和上年度保单将在时间上相连续，保险人不再设置等待期。若被保险人在上一保单年度的有效理赔超过10次，则续保保费上调10%。
Within 30 days (including the 30th day) before the expiration of the insurance period of this contract, the insured can apply to the insurer for re-insurance of this contract, and the insurer can also send an invitation to the insured to reinsure this contract. Within 30 days after the expiration of the insurance contract, if the applicant applies and the insurer agrees to continue to issue the policy, the next year's policy and the previous year's policy will be consecutive in time, and the insurer will no longer set a waiting period. If the insured had more than 10 valid claims in last insurance year, then the premium of renewal shall be increased by 10%.
8. 退保规则：Surrender rules:
（1）未发生理赔：退还金额=未满期净保险费。其中，净保险费=(1-25%)*总保险费。
（2）发生理赔：退保不退费。
（1）If no claim settlement: refund amount = unearned net premium; net premium= (1-25%) * total premium.
（2）If with claim record: no refund for surrender.
9. 本产品除外的医院、机构、设施、诊所等和医生（统称除外医疗网络）名单如下。保险人不接受任何由本名单内除外医疗网络提供的产品或服务所产生的理赔申请。
This is the restricted list of healthcare service providers, including hospitals, facilities, clinics and practitioners, etc. (called “Delisted Providers”). MediLink-Global will not process claims for the services or supplies obtained from providers on this list.
湖州瑞博同义堂中医门诊部 Huzhou Ruibo Tongyitang TCM Outpatient Department
北京太一同义堂 Beijing Tai-Tong Yitang
亚洲专科医生/运动内科医生 Asia Medical Specialists / Sports physicians (Sports performance) Ltd.
上海优仕美地门诊部 Shanghai Yosemite Clinic
上海优仕美地巨富里医院 Shanghai Yosemite Hospital
北京明经堂中医门诊部 Meridian TCM Clinic
颈医卫 HealthSAGE
北京昕光亮诊所 BEIJING DREAM LIGHT CLINIC
沈阳凯瑞全科医疗 Shenyang Kairui General Medical Service Co., Ltd.
毕再旺（中医） Bi Zaiwang (Chinese Medicine)
冯洁/周韵 上海唯涵儿科门诊部（唯儿诺新天地店）Feng Jie / ZhouYun Wellem Xintiandi outpatient department.
常见问题
1.四个计划都可以选择昂贵医院吗？
投保铂金计划不可选昂贵医院。
2.投保时有体检要求吗？
无硬性要求体检，投保年龄在55岁以上需提供近半年内的健康体检报告。需要的检查报告如下：常规血液和胆固醇检测、身高/体重指数检测、静态血压检测、尿检、心脏检查、心电图、其他主要器官功能检测，以及X光线胸透视。
3.家庭单的费率折扣是多少？
2人起，含2位成人，享有10%的费率折扣；含1位成人，享有5%的费率折扣。
4.家庭折扣和无理赔折扣适用于哪些责任？
家庭折扣适用于必选责任、可选牙科、体检责任；无理赔折扣适用于必选责任。
5.可接受非常住中国大陆地区（港澳台及境外地区）承保吗？
可以，需遵循以下加费承保规则：
（1）加费承保规则：欧洲、新加坡、日本、韩国费率上调50%，美国/加拿大费率上调100%，其他国家及地区费率上调20%；
（2）医院选择范围：默认医院范围是包含昂贵医院，且不可更改；
（3）对于在保险期间内在中国大陆以外多个地区居住累计超过180日的被保险人，加费承保费率按被保险人居住时间最长的地区中的最高费率来计算。
*需注意，臻荣耀选择境外加费后，不支持选择铂金计划
理赔须知：
1.本产品由都邦财产保险股份有限公司承保，目前该公司在全国27个省级行政区域已开设分支机构，网点400多个。
2.为保证您的合法权益，您可以通过都邦财产保险股份有限公司全国统一客户服务热线95586进行投保咨询、保单查询、保单验真、理赔咨询、投诉建议等服务。
3.中间带联系方式：400 880 8820 电话咨询服务7*24*365 会员保险福利查询
4.中间带直付医院地址：http://provider.medilink-global.com.cn/m/zjd/hospitalList?from=groupmessage&isappinstalled=0
产品资料：
《产品条款》
《中间带会员服务手册》
《臻荣耀产品计划书》
中间带·臻荣耀2023个人全球医疗保险在线官网购买地址（手机扫描二维码）：
