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Insurance in China
    远离家园,远离祖国的外籍人员在中国大陆工作学习期间,难免遇到身体不适。以确保每时每刻能够享受到一份切身的医疗保障,我们为外籍在华人员提供了一整套保障方案,使其在繁忙的工作中无后顾之忧。
We understand people like you who live in aboard have to face many challenges, healthcare is one of them. You could suffer both physically and financially. How to avoid such problem? Ping An Health Insurance Company of China has provided a comprehensive solution for you.

   
我们共有尊享计划、尊尚计划、尊荣计划和尊康计划四个计划供您选择。最高保额依据保障计划的不同从30万到800万不等,保障区域依据保障计划可分为中国大陆区域和全球区域。这一系列计划在涵盖了门诊医疗、住院医疗及年度体检和口腔保健服务的同时,还包括了意外险及全球紧急救援服务。
We have four medical insurance packages: Ping An Zunxiang Medical Insurance, Ping An Zunshang Medical Insurance, Ping An Zunrong Medical Insurance and Ping An Zunkang Medical Insurance. You can choose Mainland China or Worldwide as your covered area. The highest annual limit is 8 million RMB, the lowest annual limit is 300000 RMB. The policy includes outpatient, inpatient, wellness and dental check up. You may choose accident insurance and worldwide emergency assistance as well based on your needs.
 
 
保障利益表 Benefit Table

 

尊享计划

zunxiang

尊尚计划

zunshang

尊荣计划

zunrong

尊康计划

zunkang

年度总保额

Annual Limit

800

8 million

300

3 million

50

500000

30

300000

保障区域

Geographic Coverage

全球

worldwide

中国大陆 Mainland China
(不包括香港、澳门和台湾地区 Excluding HK, Macau and Taiwan

赔付比例

Reimburstment

100%

就诊医院

Hospital

所有正规注册的医疗机构

All legal hospitals

除特定医院外的所有正规注册的医疗机构

All legal hospitals excluding specified hospitals

用药范围

Drugs allowed

合理且必须的由医生开具的具有国家药品监督管理部门合法的药品批准问好或者进口药品注册证书、医药产品注册证书的国产或进口药品的费用。

reasonable expenses and actually incurred during the hospitalization, for domestic or imported prescription drugs which are prescribed by doctors and have the approval numbers, imported drug registration certificates or pharmaceutical product registration certificates issued by competent national drug supervision and administration department.

 

门诊 Outpatient

药品费

Prescription Drugs

与住院合计不超过总保额

The combined expenses with inpatient cannot exceed the overall annual limits?

无限额

No limit

年度合计不超过
100000

Cannot exceed 100000 RMB annually

无限额

No limit

年度合计不超过
30000

Cannot exceed 300000 RMB annually

无限额

No limit

年度合计不超过
20000

Cannot exceed 200000 RMB annually

无限额

No limit

挂号费/医生诊疗费,检查费,治疗费,门诊手术费

Consultation fees, Examinations and Laboratory Tests, Out-patient Surgery and Other Out-patient Treatment expenses

无限额

No limit

无限额

No limit

无限额

No limit

无限额

No limit

糖尿病治疗用品费
(胰岛素泵及相关用品)

Out-patient Psychiatric Treatment

 

无限额

No limit

无限额

No limit

无限额

No limit

10,000/ year

物理治疗及其他特殊疗法(最多不超过10/)

Physiotherapy and Other Alternative Therapies. ( 10 visits / year)

无限额

No limit

无限额

No limit

500/ visit

300/ visit

激素替代治疗

Hormone Replacement Therapy

无限额

No limit

无限额

No limit

无限额

No limit

10,000/ year

婴儿免疫和护理费

Infant Check-up and Vaccinations

 

8,000/ year

5,000/ year

3,000/ year

2,000/ year

特殊门诊

Special Out-patient Benefits

***

300,000/ year

200,000/ year

100,000/ year

住 院 Inpatient

检查检验费,治疗费,医生费,药品费Examination and laboratory tests, other inpatient treatment expenses

 

与门诊合计不超过总保额

The combined expenses with outpatient cannot exceed the overall annual limits

无限额

No limit

与门诊合计不超过总保额

The combined expenses with outpatient cannot exceed the overall annual limits

无限额

No limit

与门诊合计不超过总保额

The combined expenses with outpatient cannot exceed the overall annual limits

100,000/ year

与门诊合计不超过总保额

The combined expenses with outpatient cannot exceed the overall annual limits

50,000/ year

手术费Non-organ Transplant Surgery and Organ Transplant Surgery

无限额

No limit

无限额

No limit

500,000/ year

150,000/ year

床位费,膳食费,护理费
(
最多不超过180/)

Room, Board and Nursing

(up to 180 days/year)

 

无限额

No limit

无限额

No limit

2,000/ day

1,000/ day

住院加床费Companion Bed

无限额

No limit

无限额

No limit

1,000/ day

600/ day

监护病房床位费Intensive Care Unit

无限额

No limit

无限额

No limit

5,000/ day

3,00 0/ day

预防保健Preventative Care

健康体检
1/年)

Health Check-up(Limit to one per year)

 

在指定体检机构的年度健康体检服务,包括:
一般检查(身高、体重、血压等)、内科、外科、眼科、五官科、胸部X光检查、心电图、腹部超声波、小编常规、大便常规、血常规、血糖(空腹血糖)、肝胆常规、肾功能、血脂、乙肝检测等。

Includes general examination(height, weight, and blood pressure), routine physical examination of internal medicine, eye, ear, nose and throat, EKG, abdominal ultra-sonography, urine routine, stool routine, blood routine, blood sugar(AC), liver function, renal function, lipid profile, hepatitis B etc. at designated check-up institutions with a comprehensive evaluation report provided. Items may vary in different packages

口腔保健
1/年)

Preventative Dental Care(Limit to one per year)

在指定体检机构的年度口腔保健服务,包括:
1.
基本项目:口腔检查、洗牙、抛光。
2.
可选项目(三选一):口腔全景片、喷砂、进口氟化治疗。

Includes basic items: Oral examination, ultrasonic scaling, and polishing. Optional Items: Panoramic X-ray, sand blasting and topical fluoride (one in three only).

全球紧急救援Worldwide Emergency Assistance

紧急救援,护院转运,护送转院后发生的交通费用及住宿费用

Includes medical referral and emergency medical evacuation, accommodation for compassionate visit, repatriation to the country of residence

800,000/ year

500,000/ year

300,000/ year

150,000/ year

遗体转运及安葬等

Includes repatriation of mortal remains or ashes, local cremation or local burial.

800,000/ year

500,000/ year

300,000/ year

150,000/ year

意外险 Accident Insurance

意外身故 Accidental Death

50

500000 RMB

意外残疾

Accident Disability

航空意外身故及残疾

Air accident death and disability

50

500000 RMB

火车、轮船意外身故及残疾

Train, ship accident death and disability

25

250000 RMB

营运汽车意外身故及残疾

Coach accident death and disability

10

100000 RMB

注:16-60周岁主被保险人适用于本计划

Principle insured must between 16 and 60 years old?


 
升级计划:Improved Plan
16-60周岁的主被保险人可通过补缴差额保费意外险计划提高,详见下表:
Principle insured age between 16 and 60 years old can update their accident insurance plan by paying the premium difference.

保障责任
Benefit
保额
Limits
意外身故
Accident death
100
1 million
意外残疾
Accident disability
航空意外身故及残疾
Air accident death and disability
50
500000 RMB
火车、轮船意外身故及残疾
Train, ship accident death and disability
25
250000 RMB
营运汽车意外身故及残疾
Coach accident death and disability
10
100000 RMB
 
子女计划:Children Plan
0-16周岁的未成年子女可选择下述方案,
Children age between 0 and 16 years old may choose the following plans:

保障责任
Benefit
保额
Limits
意外身故
Accident death
10
100000 RMB
意外残
Accident disability
航空意外身故及残疾
Air accident death and disability
10
100000 RMB
火车、轮船意外身故及残疾
Train, ship death and disability
5
50000 RMB
营运汽车意外身故及残疾
Coach death and disability
2
20000 RMB
 
特色服务
Features
 
遍布全球的医疗网络
First-class Network Hospitals

我们在中国建立了一个以三甲医院的特需门诊为主的高端医疗网络。网络医院包含公立医院,外资医院,合资医院以及私人医院等。这些医院大多是当地领先的医院,有一流的设备和经验丰富的医疗队伍,很多医院能够提供双语甚至多语服务来更好地为有不同语言要求的客户服务。医院列表和特色服务请咨询我们相关销售人员和服务人员。
As a professional health insurance provider, we have built a broad medical network consisted of mainly VIP departments at 3A (Class Three/Grade A) hospitals in China. Those hospitals within this network are called network hospitals, which include public hospitals, foreign hospitals, joint-venture hospitals and private hospitals. Most of them are prestigious hospitals with first-class facilities and experienced medical specialists. Many hospitals can provide bilingual or even multilingual services to better serve customers with different mother tongues. Please consult our sales agents and customer service personnel for detailed list of network hospitals.

同时,我们与加拿大的ACM公司合作,利用它海外广泛分布的医疗网络来满足客户全球就医需求。ACM的医疗网络在美国有12万家医疗机构,在美国外的约100个国家和地区里有超过700个医疗机构。作为世界领先的第三方服务管理结构,ACM会给我们的客户提供高品质和及时的医疗服务,在世界范围内满足客户医疗需求。
We also collaborate with active care management (ACM) in Canada, a leading third party administrator that provides oversea medical network for us. ACM has a network of 120,000 healthcare organizations in the U.S.A. Excluding U.S.A, there are over 700 healthcare organizations in over 100 countries and regions. ACM will provide high quality and prompt healthcare services to our clients to make medical services accessible more easily worldwide.
 
网络医院直接结算
Network Hospital Direct Billing

当您就诊时,可再我们的网络医院享受直接结算服务,省去了大量先进垫付和传统理赔提交材料和繁琐的手续为您带来的不便。
Direct billing service is available at our widely located network hospitals to save your large-sum cash payment and the trouble of submitting claim materials.
 
网络医院门诊预约
Network Hospital Appointment Assistance

我们的网络医院预约服务(目前限于上海,北京,广州)可以省去您在医院等待的时间和预约带来的麻烦。当您有门诊需求时,您只需要拨打我们的双语服务热线400-8833-663,我们就会根据您的情况帮您预约适合的平安网络医院和高资历的专家(副主任医师或主任医师)。
Our appointment assistance service (currently available at Shanghai, Beijing and Guangzhou) can save you a lot of time and trouble. Our customer service specialist will help you make out-patient appointment with our network hospitals and specialists according to your medical conditions once you call our helpline 400-8833-663. You can choose any hospital within our network or be referred to the hospital that suits your needs best by our specialists.
 
 
北京地区网络医院列表
Network Provider List in Beijing
 
序号
医院名称
Name of Provider
医院性质
Nature of Investor
1
首都医科大学附属北京天坛医院特需门诊
Beijing Tiantan Hospital Affiliated to Capital Medical University, Special Medical Dept.
公立
Public
2
北京军区总医院特需医疗部
General Hospital of PLA (Beijing Region), Special Medical Dept.
公立
Public
3
中国人民解放军海军总医院特需中心
Clinic of Navy General Hospital of PLA, VIP Dept
公立
Public
4
中国人民解放军305医院
No.305 Hospital of PLA
公立
Public
5
卫生部中日友好医院国际医疗部
International Medical Dept, China-Japan Friendship Hospital, Ministry of Health
公立
Public
6
北京市健宫医院特需医疗部
Beijing Jiangong Hospital, VIP Dept
公立
Public
7
首都医科大学附属北京红十字朝阳医院特需门诊
Beijing Chaoyang Hospital affiliated to Capital Medical University
公立
Public
8
北京大学口腔医院第三门诊部
The Third Clinic of Stomatology Hospital affiliated to Peking University
公立
Public
9
中国医学科学院北京协和医院国际医疗部
Peking Union Medical College Hospital, International Medical Department
公立
Public
10
首都医科大学附属北京友谊医院医疗保健中心
Beijing Youyi Hospital Affiliated to Capital Medical University, Medical Healthcare Center
公立
Public
11
中国人民解放军总医院健康医学中心
Health Medical Center,general hospital of PLA
公立
Public
12
中国医学科学院阜外心血管病医院
Fuwai Hospital Affiated to Chinese Academy of Medical Sciences
公立
Public
13
北京和睦家亮马诊所
United Family Liangma Clinic?
外资
Foreign
14
北京港澳国际医务诊所
Hong Kong International Medical Clinic of Beijing
外资
Foreign
15
北京地坛医院综合科(高干特需)
Beijing Ditan Hospital
外资
Foreign
16
北京国际医疗中心
Beijing International Medical Center
外资
Foreign
17
北京爱康医院
Beiijng Aokang Hospital
外资
Foreign
18
北京东方美华医院
Beijing American-Sino Hospital
外资
Foreign
19
维世达诊所
Vista Clinic
外资
Foreign
20
北京庇利积臣门诊部
Bayley and Jackson Clinic, Beijing
外资
Foreign
21
北京美中宜和妇儿医院
AMCARE Women's & Children's Hospital
外资
Foreign
22
北京和睦家医院
Beijing United Family Hospital and Clinics
外资
Foreign
23
北京和睦家建国门保健中心
Beijing United Family Health & Wellness Center - Jianguomen
外资
Foreign
24
北京和睦家顺义诊所
Beijing United Family Clinic - Shunyi
外资
Foreign
25
北京新世纪国际儿童医院
Beijing New Century Inter-national Children's Hospital
民营
Private
26
北京崔月犁传统医学研究中心平心堂中医门诊部
Traditional Chinese Medicine Clinic, Ping Xin Tang
民营
Private
 


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