招商信诺全球员工团体医疗保险

附件 1 1

SCHEDULE 1

招商信诺人寿保险有限公司

招商信诺全球员工团体医疗保险

CIGNA & CMC Life Insurance Co. Ltd.

CIGNA & CMC Global Group Medical Insurance Clauses

第一条保险合同的构成

Clause 1 Composition of the Insurance Contract

招商信诺全球员工团体医疗保险合同（以下简称“本合同”）由保险单、保险条款、批注、附贴批单、投保单、保险责任清单, 与本合同有关的投保文件、声明、被保险人名单、其他书面文件构成。

CIGNA& CMC Global Group Medical Insurance Contract (hereinafter referred to as the “Contract”) is composed of the insurance policy with the accessory provisions,endorsements, the insurance application form, list of benefit, and the application documents, the declarations, the name lists of insured persons, and other writing agreements related to the Contract.

第二条投保条件

Clause 2 Application Eligibility

一、凡属中华人民共和国境内法人机构或境外法人驻华机构，身体健康且年龄在18周岁至70周岁的在职人员，均可作为被保险人，由其所在单位作为投保人向招商信诺人寿保险有限公司（以下简称“本公司”）投保本保险。被保险人数量应占投保人中符合参保条件成员总数的75%以上（含75%），必须不低于5人，且需满足以下条件：

Any person working for a legal person organization registered in People’s Republic of China (“PRC”) or subordinates which is registered in PRC while her parent body is an overseas registered legal person organization,who is in good health and of age of between 18 and 70 can be qualified as an insured person. His or her policyholder can apply for the insurance coverage under the Contract as the applicant for insurance. The number of the insured person s should take more than 75% (including 75%) of the policyholder’s total qualified members and cannot be less than 5. An insured person must:

是由投保人聘用、支付薪水的正式职员；

be full-time staff nominated and sponsored by the policyholder, and

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移居住所国以外的地区之前，或移居至住所国以外地区的第一个月内通知本公司。

如投保人未在此期限内通知本公司，本公司可拒绝承保。被保险人移居至住所国以

外地区的第一个月后，投保人需向本公司提供被保险人的健康证明，并经本公司审

核同意后才承保；

be notified to the company before becoming, or within the first month that they become, resident outside their country of domicile. If the policyholder does not tell the company

within this period, the company may decline cover, or require evidence of good health to

determine whether or not the person will be accepted for cover; and

如被保险人或其家属，在第一次被邀请时拒绝参加本保险，但后来决定参加本保险的，本公司可要求该被保险人或家属进行自费医疗检查，并将根据该检查结果决定

是否接受其参保申请。

If a staff member of the policyholder(or their dependant if applicable) refuses to be an insured person when it is first offered and they later decide to join the contract, the

company may require the insured person or dependant to undertake a medical examination

at their expense. The results of the examination will determine whether the company

accepts the application.

二、身体健康的被保险人的家属，即被保险人的未婚子女和70周岁以下的配偶，经本公司同意可由投保人统一向本公司投保本保险；其中对于被保险人的未婚子女，被保险人需在其治疗开始之前向本公司提供未婚子女的姓名，但仅包括治疗开始时年龄不满25周岁且仍在接受全日制教育或与被保险人居住在同一住所的子女。

An insured person’s dependant who are in good health, including his or her spouse (of age of less than 70) and children (the insured person’s unmarried children, whose names have been provided to the company prior to the commencement of any treatment, but only if those persons are under age 25, either in full-time education or residing at the same residence as the insured person at the commencement of any treatment. ) can be qualified as the insured person’s dependant subject to the agreement of the company. The applicant shall apply for coverage for all of them to the company.

第三条保障地区

Clause 3 Area of Coverage

本公司提供三类保障地区供投保人选择，具体如下：

Based on different insurance liabilities, especially different area scope of insurance liabilities, the company provides the insured person with the following three types of areas of coverage for selecting (selected area of coverage):

一、世界各地；

Area I worldwide, or

加拿大和加勒比地区

加勒比地区；或

世界各地，，但不包括美国

但不包括美国，，加拿大和

二、世界各地

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Area II -worldwide, excluding USA, Canada and the Caribbean, or

香港。。

三、香港

Area III -Hong Kong

所有美国公民将选择世界各地为保障地区，除非本公司收到被保险人签署的放弃以美国为保障地的申请表。

As selected by the policyholder on the start date of the contract. All U.S Nationals will be allocated Area I cover unless the company has received the U.S. Waiver Form signed by the insured person.

第四条保障范围

Clause 4 Scope of Coverage

本保险的保障及服务范围包括:

The contract covers:

一、基本医疗责任。由医疗人员推荐的服务或产品产生的费用， …… 此处隐藏：25702字，全部文档内容请下载后查看。喜欢就下载吧 ……