保险公司：都邦财产保险股份有限公司
保险产品详情：
投保须知产品资料
1. 本产品保障责任范围以保险福利表中所列明的保险责任为准；若保险责任未于保险福利表中列明，则保险人不承担该项保险责任。
The scope of coverage of this product is subject to the insurance liabilities listed in the table of benefits; the insurer does not bear insurance liabilities that are not listed in the table of benefits.
2. 指定医疗机构以保险人公布的清单为准。被保险人在指定医疗机构接受治疗，应采用医疗直付方式申请保险金。保险人不接受任何被保险人通过其它方式向保险人申请保险金。
Designated medical institutions are based on the list published by the insurer. The insured should apply for insurance benefits through the direct-pay card after receiving treatment in the designated medical institutions. The insurer does not accept applications through any other methods.
3. 入保年龄为18周岁（含18周岁）至99周岁（含99周岁）。
Insured age is from 18 to 99 years old (including 18 and 99).
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. 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）已发生理赔：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.
产品资料：
《会员服务手册》
中间带臻荣耀高端医疗险（既往症管理版）在线官网投保地址（手机扫描二维码）：
