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，应被本公司的医疗团队确认为

是治疗和护理损伤或疾病所必需的，费用金额以不超过保险责任清单中本保险项目下的保险金额为限；

costs of services or supplies which are recommended by a medical practitioner, and are medically necessary for the care and treatment of an injury or sickness, as determined by th e company’s medical team, up to limits shown in the list of benefits;

二、妊娠及生育责任（一经选择，将作为附加保险项目显示在保险责任清单的所选保险范围内）。

[Pregnancy and maternity benefits (if selected – this will be shown in the Cover Selected as Maternity in the list of benefits)]

三、健康体检责任（一经选择，将作为附加保险项目显示在保险责任清单的所选保险范围

内）。

[Wellness tests (if selected – this will be shown in the Cover Selected as Wellness Benefit in the list of benefits)].

四、视力保险责任（一经选择，将作为附加保险项目显示在保险责任清单所选保险范围内）。 [Vision benefits(if selected – this will be shown in the Cover Selected as Vision Benefit in the list of benefits)].

五、国际服务。

international services

六、血液护理服务。

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blood care services

第五条保险责任

Clause 5 Insurance Liability

一、基本医疗责任。本公司将根据保险责任清单列明的保险责任项目、给付比例、给付限额、疾病观察期以及免赔额等约束条件赔偿被保险人或其家属因进行疾病治疗及使用与疾病治疗有关的服务而支出的合理费用，或按本合同提供相关的服务。上述疾病治疗和相关的服务需满足：

The company will refund reasonable costs for a patient’s treatment and for services related to treatment which are shown in the list of benefits. This treatment and these services must be:

(1) 发生在所选保障地区范围内；或

(i)in the selected area of coverage, or

(2)离开所选保障地区30天内因紧急情况而进行的紧急救治，无论是由于商务还是娱乐

的目的，只要被保险人或家属离开所选保障地区的原因不是为了接受疾病治疗（除

非因由医疗援助服务提供机构执行的紧急运送）。

(ii)in respect of emergency conditions where treatment commences within a period of 30 days of absence from the selected area of coverage, whether the absence is for the purposes of business or

pleasure, where the insured person or their dependant do not travel to have treatment(except

because of emergency evacuation performed by the medical assistance provider). For the purposes

of this clause 5 paragraph 2 item (ii) ‘Emergency treatment’ shall have the following meaning:

关于本条(2)中的“紧急救治”指为了防止因疾病、损伤或其他紧急情况导致被保险

人或其家属的健康严重受损而进行的必要疾病治疗。保障范围仅包括医生、专家或本

公司的医疗人员实施的医学治疗和紧急事件发生后24小时内开始的住院治疗。

‘Emergency treatment’- treatment which is medically necessary to prevent the

immediate and significant effects of illnesses, injuries or conditions which if left untreated

could result in a significant deterioration in health. Only medical treatment through a

physician, specialist or medical practitioner and hospitalisation that commences within 24

hours of the emergency event will be covered.

在任一保险年度内，病人接受一次疾病治疗所支付的费用或接受多次疾病治疗累计

支付的费用所获得的赔偿不得超过接受疾病治疗时的保险责任清单所约定的限额。

对于超出保险责任清单约定限额的疾病治疗费用,本公司不负责赔偿。对于被保险人

或家属已经通过其它保险或其他渠道获得赔偿的，本公司仅在保险责任清单所约定

的限额内支付余额。

The benefits that a patient can receive in relation to the cost of one course of treatment or to the

cumulative cost of more than one course, as appropriate, cannot be more than the annual limits that

were in the list of benefits when treatment was given. The company will not pay for the proportion

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of any cost of treatment that is over the benefit limits in the list of benefits. In respect of any expenses for which the insured person or a dependant has been or can be reimbursed from any other insurance or source, the company reserves the right to recover such expenses from any source.

在任一保险年度内，如果住院病人是18周岁以下的未成年人，其父母或法定监护人在医院进行陪护的，本公司将赔偿最多30天的陪同住院费用。该保险责任将在该未成年人年满18周岁生日当日终止。本公司赔偿以上费用的条件是:

If the patient is a child under 18 and they go to hospital as an in-patient, the company will pay for a parent or legal guardian to stay with them for up to 30 days in any year of insurance. Cover for this particular benefit will stop in the child’s 18th birthday. The company will only pay the cost if:

(1) 陪护人员是该未成年人的父母或法定监护人；

it is the parent or legal guardian who stays with the child;

(2) 未成年人接受的治疗属于本保险的保险责任范围；及

the treatment a child receives is covered by the contract; and

(3) 在医院的住宿费用是合理的。

the cost of hospital accommodation is reasonable.

根据保险责任清单，需要取得预授权条件的则需在疾病治疗前内获得本公司的同意，但因“紧急救治”者除外。

If medical treatment requires pre-authorization the patient must obtain approval from the company. Pre-authorization is not required for emergency treatment.

本公司同时赔偿包括辅助治疗在内的疾病治疗费用，如顺势疗法或针灸，前提是医疗人员（非辅助治疗医疗人员）推荐进行该疾病治疗。若医生、专家或本公司的医疗人员推荐，本公司也将根据保险责任清单提供员工心理辅导服务。

The company will also pay costs for treatment involving complementary medicine - for example, homeopathy or acupuncture - up to the limits shown in the list of benefits, if a specialist (other than a specialist in complementary medicine) recommends this treatment. 如医疗人员提供脊椎指压治疗法或整骨疗法，在任一保险年度内本公司赔偿的数额将不超过保险责任清单所载的总限额。

If the patient’s medical practitioner refers them for chiropractic treatment or osteopathy, the company will pay up to the total limit shown in the current list of benefits in any year of insurance.

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本公司将对经批准的器官移植手术发生的或与之有关的费用进行赔偿，包括抑制免

疫反应的药物治疗费用，器官获取费用，及捐献者的医疗费用。针对捐献者应付的

医疗费用金额需扣除其他保险或渠道为此应付费用的数额。被保险人应在发生任何

与器官捐赠有关的费用之前与本公司联系。

The company will pay charges made for or in connection with approved organ transplant

services, including immunosuppressive medications, organ procurement costs, and donor’s

medical costs. The amount payable for donor’s medical costs is reduced by the amount

payable for those costs from any other insurance or source. Certain transplants will not be

covered based on general limitations (i.e. experimental procedures). The insured person

must contact the company before incurring any costs relating to organ donation.

本公司将支付荷尔蒙补充治疗的费用，但是，采取未经证实和尚存疑问的方法或程

序的疾病治疗将不在保障范围内。

The company will pay costs of treatment for Hormone Replacement Treatment. However,

treatment involving unproven or questionable methods or procedures will not be covered.

二、妊娠及生育责任。指本保险针对符合条件的女性提供的有关怀孕或分娩所有方面的保障，（本项保险责任仅在被选择后适用，请参照保险责任清单中已选保险项来确定是否已选择该保险责任，，一经选择，该保险责任将被视为有效）。包括任何并发症，但不包括：

险责任

Pregnancy and Maternity Benefits. Pregnancy and maternity benefits means all aspects of benefits for pregnancy or childbirth, including any complications, for any eligible female covered under the contract (This benefit will only apply if selected, please refer to the Cover Selected in the policy schedule to confirm if this benefit has been selected.. There are also details about this benefit in the list of benefits that also forms part of this policy if it has been selected) but excluding:

(1)自愿终止妊娠的疾病治疗，除非由两位医生出具书面材料证明怀孕会危及母亲生

命或心理稳定；及

•Illness treatment by way of the intentional termination of pregnancy unless two medical practitioners certify in writing that the pregnancy would endanger the life or mental stability of

the mother; and

(2)家属生育后住院接受的保育疾病治疗，除非本保单另行承保的疾病治疗过程中医

疗需要所要求的。

•Illness treatment by way of nursery care for a dependant in a hospital following childbirth, unless due to medical necessity during illness treatment that is otherwise covered by this

contract.

三、健康体检责任。健康体检指医疗人员采取的包含以下各项的检查（本项保险责任仅在被选

保险责任，，一经选择，该保择后适用，请参照保险责任清单中已选保险项来确定是否已选择该保险责任

险责任将被视为有效。）：

Wellness tests - (This benefit will only apply if selected, please refer to the Cover Selected in the policy schedule to confirm if this benefit has been selected. There are also details about this benefit in the list of

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benefits that also forms part of this policy if it has been selected.) tests carried out by a medical practitioner consisting of the following:

(1) 每年的帕帕尼科拉乌检查，通常被称为巴氏涂片（检查）。

An annual papanicolaou screening, commonly known as a pap smear.

（2）每年针对50周岁及以上男性被保险人或家属进行的前列腺筛查，通常称为前列

腺特异性抗原（PSA）检查。

An annual prostate screening, commonly known as a prostate specific antigen (PSA) test for insured persons or dependants that are aged 50 or older and who are male.

（3）为乳癌筛查或诊断目的进行的乳腺X线摄影检查（mammogram），且不超过：

Mammograms for breast cancer screening or diagnostic purposes not to exceed:

(i) 35周岁到39周岁无症状女性被保险人或家属，每年一次基准乳腺X线摄影检查；

（i）one baseline mammogram for asymptomatic female insured persons or dependants

aged 35 to 39;

(ii) 40周岁到49周岁无症状女性被保险人或家属，每两年一次，或因医疗需要每

年多次，进行的乳腺X线摄影检查；

（ii）a mammogram for asymptomatic female insured persons or dependants aged 40 to

49, every two years or more, if medically necessary;

(iii) 50周岁及以上女性被保险人或家属，每年一次乳腺X线摄影检查。

（iii）a mammogram every year for female insured persons or dependants aged 50 or

over

（4）在保险责任清单限额内的例行成人体检。

Routine adult physical exams to the limits shown in the list of benefits.

（5）以下保险责任，一经选择，亦可作为保险项目或附加保险项目并由保险责任清

单进行详细规定：

The following benefits are also available under Wellness Benefit, if selected and will be detailed in the list of benefits.

为预防目的，针对六周岁及以下儿童家属依据适当年龄间隔进行的检查，该检查包括由医疗人员开展的或在其监督下进行的、达到正规治疗标准的以下服务：

Tests at any of the appropriate age intervals for a dependant child who is aged 6 or less for

charges made for the purpose of preventive care, consisting of the following services

delivered or supervised by a medical practitioner, which services amount to orthodox

treatment:

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(i) 儿童的病史评估；

Medical history of the child

(ii) 体检；

Physical examination

(iii) 发育评估；

Development assessment

(iv) 先期辅导；及

Anticipatory guidance, and

(v) 必要的免疫和实验测试。

Appropriate immunisations and laboratory tests;

因以下原因产生的费用不包括在内：

Excluding any charges for:

(i) 对每一名儿童家属

家属，，在其每一适当年龄间隔进行的检查外的检查，或超过总次数13次的检查费用；

More than one visit to a medical practitioner for child preventive care services at each of the appropriate age intervals up to a total of 13 visits for each dependant child;

(ii) 本保险为其另行规定了保险责任的服务。

Services for which benefits are otherwise provided under this insurance.

(iii) 儿童家属接种的以下疫苗，即：

Immunisations to dependant children namely:

(a) DTP（白喉，百日咳和破伤风）；

DPT (Diphtheria, Pertussis and Tetanus)

(b) MMR（麻疹，腮腺炎和风疹）；

MMR (Measles, Mumps and Rubella)

(c) HiB（B型流行性感冒嗜血杆菌）；

HiB (Haemophilus influenza Type b)

(d) 小儿麻痹症；

Polio

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(e) 流行性感冒；

Influenza

(f) 乙型肝炎；

Hepatitis B

(g) 脑膜炎。

Meningitis

(iv) 被保险人或家属接种的与旅行有关的疫苗，即

Immunisations to insured persons or dependants related to travel, namely

(a) 破伤风，每十年一次；

Tetanus - every 10 years

(b) 甲型肝炎；

Hepatitis A

(c) 乙型肝炎；

Hepatitis B

(d) 脑膜炎；

Meningitis

(e) 狂犬病；

Rabies

(f) 霍乱；

Cholera

(g) 黄热病；

Yellow fever

(h)日本脑炎；

Japanese encephalitis

(i) 小儿麻痹症追加针剂；

Polio booster

(j) 伤寒症；

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Typhoid

(k) 疟疾，采用每日或每周内服药的形式。

Malaria - tablet form, daily or weekly

四、视力保障责任。视力保障指与被保险人或家属视力有关的以下程序或治疗（本项保险责

任仅在被选择后适用，请参照保险单中已选保险项来确定是否已选择该保险责任

保险责任，，一经选择，该保险责任将在作为本合同一部分的保险责任清单内进行详细规定。）：

Vision benefits - procedures and treatment relating to the vision of the insured person or dependant consisting of the following: (This benefit will only apply if selected, please refer to the Cover Selected in the policy schedule to confirm if this benefit has been selected. There are also

details about this benefit in the list of benefits that also forms part of this policy if it has been selected.)

(1) 由验光师或眼科医生进行的眼科检查；

an eye examination by an optometrist or ophthalmologist

(2) 提供矫正视力的镜片；

the provision of lenses to correct vision

(3) 提供眼镜框架。

the provision of eyeglass frames

但不包含以下任何费用：

But always excluding:

(1) 一个保险年度内进行超过一次眼科检查所支付的费用；

payment for more than one eye examination in any one year of insurance

(2) 太阳镜，除非是由医疗处方开具的；

sunglasses, unless medically prescribed

疾病治疗；；

(3) 眼科药物或手术疾病治疗

medical or surgical treatment of the eye

(4) 非因医疗必需且非由验光师或眼科医生建议使用的眼镜，或此类眼镜的框架。

lenses which are not a medical necessity and are not prescribed by an optometrist or ophthalmologist or frames for such lenses.

五、国际服务。指由本保险下医疗援助服务提供机构提供的国际服务。本保险为被保险人或家属属于保险范围的疾病治疗提供以下服务：

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International services - The international services are provided by the medical assistance provider under the contract. The services to the insured person or dependant while covered for treatment under the contract are:

(1) 保险责任及范围确认服务

a. Confirmation of benefit service

在中国正常营业时间之外，被保险人及家属可拨打本公司国际热线服务电话获得有关

本保险下提供的保险责任的解释，以及所需疾病治疗是否为本保险所承保。

Outside the PRC business hours, insured persons and their dependants may call the International Helpline of the company for an explanation of the benefit provided by the contract.

(2) 旅行信息服务

b. Travel information service

被保险人及其家属可在出行之前拨打本公司国际热线服务电话就与其拟定旅行相关的

医疗事务获得建议。

Insured persons and their dependants may contact the International Helpline of the company

to get advice on medical issues relevant to their intended travel, before leaving.

(3) 海外合格医疗专家推荐服务；

c. Referral to competent medical specialists abroad

被保险人及其家属可以拨打本公司国际热线服务电话了解其所在或将要居住或前往旅

行的住所国以外国家的合适的医疗人员的具体情况。

Insured persons and their dependants may contact the International Helpline of the company to get details of a suitable medical practitioner in the country in which they are or will be residing or in the country to which they will be travelling, if neither of the countries is their country of domicile.

(4) 远程医疗咨询服务；

d. Long distance medical advice

如被保险人及其家属无法在当地获得医疗人员的建议，可拨打本公司国际热线服务电

话以获得医疗人员的医疗建议。

Insured persons and their dependants may contact the International Helpline of the company

to get medical advice from a medical practitioner if they are unable to get advice from a medical practitioner locally.

(5) 紧急运送

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e. Emergency evacuation

紧急医疗运送需经本公司的医疗团队事先授权。如在运送发生之前不可能获得事先授权的，应在事后及时获得授权。本公司将仅就那些在发生前不可能合理获得事先授权的情况下发生的紧急医疗运送进行事后授权。医疗运送应被本公司的医疗团队认定为是为防止疾病、损伤或其他不治疗即可致健康严重受损情形立即产生重大影响而在医疗上所需要的，且疾病治疗无法在当地获得。医疗援助服务提供机构将在适当的医疗监控下将病人安排运送到最近的可以提供必要疾病治疗的医院。

Emergency medical evacuations must be pre-authorised by the company’s medical team. Where it is not possible for pre-authorisation to be sought before the evacuation takes place, this must be sought as soon as possible thereafter. The company will only authorise medical evacuations after the evacuation has occurred where it was not reasonably possible for authorisation to be sought before the evacuation took place. Medical evacuations must be determined by the company’s medical team to be medically necessary to prevent the immediate and significant effects of illness, injury or conditions which if left untreated could result in a significant deterioration of health and it has been determined that the treatment is not available locally. The medical assistance provider will arrange for the transport of the patient to the nearest hospital offering the necessary treatment, under proper medical supervision.

本公司同时将对任何因医疗需要必须陪同病人的人员的合理的交通费进行赔偿，但最高不超过经济级的标准。

Benefit will also be payable for the reasonable cost of travel (transport only) for any individual who, because of medical necessity, has to accompany the patient.

另外，在接受适当的疾病治疗之后，本公司将对病人和其陪同人员的返程交通费进行赔偿，但最高不超过经济级的标准。

In addition, benefit will be payable for travel for the return journey (economy class) of the patient and the person accompanying the patient after receipt of appropriate treatment.

(6) 医疗运返

f. Medical repatriation

医疗运返需经本公司的医疗团队事先授权。如在运返发生之前不可能获得事先授权的，应在事后及时获得授权。本公司将仅就那些在发生前不可能获得合理事先授权的情况下发生的医疗运返进行事后授权。医疗运返应被本公司的医疗团队认定为是为防止疾病、损伤或其他不治疗即可致健康严重受损情形立即产生重大影响而在医疗上所需要的，且疾病治疗无法在当地获得，同时因医疗原因需将病人送回住所国的。医疗援助服务提供机构将在适当的医疗监控下在合理可行的时间内尽快安排运送病人。

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Medical repatriations must be pre-authorised by the company’s medical team. Where it is not possible for pre-authorization to be sought before the repatriation takes place, this must be sought as soon as possible thereafter. The company will only authorize medical repatriation after the repatriation has occurred where it was not reasonably possible for authorization to be sought before the repatriation took place. Medical repatriation must be determined by the company’s medical team to be medically necessary to prevent the immediate and significant effects of illness, injury or conditions which if left untreated could result in a significant deterioration of health and it has been determined that the treatment is not available locally, and that it is necessary for medical reasons for the patient to be returned to their country of domicile, the medical assistance provider will arrange for the transport under proper medical supervision as soon as reasonably practicable.

另外，在病人被紧急运送到最近的医院并开始疾病治疗后，经医疗援助服务提供机构指定的医疗人员与当地主治的医疗人员讨论后认为病人适宜被运返的，本公司保留要求将病人运回病人住所国的医院的权利。

In addition, the company reserves the right, after treatment has commenced following emergency evacuation to the nearest hospital, to request the repatriation of the patient to a hospital in the patient’s country of domicile, when a medical practitioner named by the medical assistance provider, after speaking with a local attending medical practitioner, decides that the patient is fit to undertake the journey.

本公司同时将对任何因医疗需要必须陪同病人的个人所发生的交通费进行赔偿，但最高不超过经济级的标准。

Benefit will also be payable for the most economical cost of travel (transport only) for any individual who, because of medical necessity, has to accompany the patient.

另外，在接受适当的疾病治疗之后，本公司将对病人和其陪同人员的返程交通费进行赔偿，但最高不超过经济级的标准。

In addition, benefit will be payable for return travel cost (economy class) for the patient and the person accompanying the patient following receipt of appropriate treatment.

(7) 遗体运返

g. Repatriation of mortal remains

如被保险人或家属在其住所国之外身故，医疗援助服务提供机构将在合理可行时间内尽快安排将死者遗体运返其住所国。

If the insured person or dependant dies outside their country of domicile, the medical assistance provider will arrange as soon as reasonably practicable for the return of the bodily remains to the country of domicile of the deceased.

(8) 第三方交通费用

h. Transport costs for third parties

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本公司将为陪同作为家属的被保险人的子女的一位父母，及任何因医疗需要必须陪同病人的人员发生的交通费用进行赔偿。

Benefit will be payable for the cost of travel for one parent to accompany the insured person’s child who is a dependant and for any individual who because of medical necessity, has to go with the patient.

在被保险人或家属根据以上(5)项和(6)项被运送或运返之后，如果作为家属的被保险人的子女没有父母或年龄超过18周岁的成年人亲属的陪伴，医疗援助服务提供机构将在合理可行时间内尽快安排该家属返回其住所国。经医疗援助服务提供机构决定，合格的陪同人员（由医疗援助服务提供机构确认）将与该作为家属的子女同行。

If a insured person’s child who is a dependant is left alone without a parent or adult relative over the age of 18 after the insured person or dependant is evacuated or repatriated - (f) and (g) above - the medical assistance provider will arrange as soon as reasonably practicable for the dependant to return to their country of domicile. Qualified attendants (confirmed by the medical assistance provider) will travel with the child who is a dependant, if the medical assistance provider decides.

医疗援助服务提供机构委任的医疗人员在与当地主治的医疗人员讨论且衡量了所有的医疗因素和考虑之后，将就进行运输的医疗需求、运输方式和/或时间、使用的医疗设备和参与的医疗人员，及最终目的地等方面做出决定。

The medical practitioner named by the medical assistance provider, after speaking to the local attending medical practitioner and taking account of all the medical factors and considerations, will make all decisions on the medical need for transportation, the means and/or timing of any transportation, the medical equipment and medical personnel to be used and the final destination.

只有在因紧急运送或医疗运返导致的疾病治疗或导致紧急运送或医疗运返的疾病治疗属于本保险保障范围内的，本公司才就国际紧急服务第(5)、(6)和(8)项下的保险责任进行赔偿。

Benefits for international emergency services (f), (g) and (i) will only be provided where the treatment, resulting from or resulting in the emergency evacuation or medical repatriation, is covered under the contract.

若国际紧急服务第(5)、(6)和(8)项下产生的费用不属于本保险保障范围的，投保人应将所有发生费用返还本公司。

The policyholder will refund to the company all expenses incurred for international emergency services (f), (g) and (i) which are not covered under the contract.

护理服务的目的是为了确保在所选保障地区范围内的任何地

血液护理服务

六、血液护理服务。提供血液

方，且在需要难以获得满足的情况下，向需要疾病治疗的被保险人或家属提供紧急输血所

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需的已过滤血液和复苏液以及无菌输血设备。血液护理服务将在医疗援助服务提供机构的指示下提供。被保险人或家属应向医疗援助服务提供机构提出提供血液护理服务的请求。Blood Care Services - The purpose of the provision of blood care services is to ensure the availability to the insured person or dependant, while covered for treatment under the contract, of screened blood and resuscitation fluids for an emergency transfusion and sterile transfusion equipment in emergency situations anywhere within the selected area of coverage where such supplies are not readily available. Blood care services will be provided on the instruction of the medical assistance providers. Requests by the insured person or dependant for the provision of blood care services shall be made to the medical assistance provider.

在紧急情况下，我们将为需要血液护理服务的被保险人或家属提供辅助的运送服务，“紧急”是关于任何因意外事故造成的损伤或疾病

疾病，，或者任何不可预见的严重的疾病，以至于通常需要将被保险人或家属从因损伤或疾病造成紧急事故的地点进行紧急运送。紧急情况的严重性评估将由一个医疗援助服务提供机构或其医疗援助代理人在征询当地主治医疗人员和一名医疗人员后作出。对紧急情况严重性的评估将考虑到损伤或疾病的严重程度和血液供应的安全程度，及被保险人或家属所在地的输血设备情况。

For the provision of this service, an “emergency” relates to any injury or sickness because of accident or unforeseen illness of such seriousness as would normally warrant the emergency evacuation of the insured person or dependant from the location in which the emergency was first manifested either by injury or sickness. The evaluation of the seriousness of the emergency will be made by a medical assistance provider or their medical assistance agent in consultation with a local attending medical practitioner, and a medical practitioner. The evaluation of the seriousness of the emergency will take into consideration the severity of the injury or sickness and the degree of safety of blood supplies, and transfusion equipment at the location of the insured person or dependant.

在医疗援助服务提供机构或其医疗援助代理人经征询当地主治医疗人员的意见后一致同意存在如下紧急情况的：

On agreement of an emergency situation between the medical assistance provider or their medical assistance agent in consultation with a local attending medical practitioner, where:

(1) 当地无法获得过滤血液、复苏液和无菌输血设备；或

screened blood, resuscitation fluids and sterile transfusion equipment are not readily available locally; or

(2) 当地可获得的血液未达到完全过滤或存在使被保险人或家属感染或传播疾病的严

重风险。

the blood available locally is inadequately screened or otherwise presents a severe risk to the health of the insured person or dependant through infection or transmission of

disease

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一旦认定存在上述紧急情况，血液护理服务将向本保险项下的被保险人或家属提供疾病治疗所需的过滤血液、复苏液和无菌输血设备，并在可能的情况下将上述血液、复苏液和设备提供给当地主治医生。

the blood care service will make available the screened blood, resuscitation fluids and sterile transfusion equipment required for the treatment of the insured person or dependant while covered under the contract and, where possible, will deliver the blood, fluids and equipment to the local attending medical practitioner.

医疗援助服务提供机构

提供机构仅能提供紧急救助服务，而不能满足可选择性手术或慢性血液注：医疗援助服务

病的需求，且上述情况不属于本合同保障的范围。

Note: Medical assistance providers are designed to cover emergency situations only. They are not designed to meet the needs of elective surgery or chronic blood disorders and there is no cover for such conditions under this section of the policy.

医疗援助服务提供机构将尽最大努力确保该提供给被保险人或家属的血液和设备的选择、运输和储存安排是按照可能的最高标准进行的，以保证所提供血液和设备的纯度、适用性和数量。如果由于任何本公司或医疗援助服务提供机构或其指定代理人无法控制的原因，血液和设备在抵达时不纯净，不适合其所需目的，或者数量不足，被保险人或家属同意对本公司或医疗援助服务提供机构或其指定代理人免责。同样，对于因处理，输入或使用医疗援助服务提供机构提供的血液或设备而直接导致且因任何本公司或医疗援助服务提供机构或其指定代理人无法控制的原因造成的损失或损害，被保险人或家属同意对本公司或医疗援助服务提供机构或其指定代理人免责。

Medical assistance provider will do its utmost to ensure that the selection, transportation and storage arrangements of the blood and equipment supplied to the insured person or dependant are carried out to the highest possible standards in order to seek to safeguard purity, fitness for purpose and quantity. If, for any reason beyond the control of the company or the medical assistance provider or its appointed agents, the blood and equipment is not pure on arrival, is unfit for the purposes for which it was intended, or it is of insufficient quantity, the insured person or dependant agrees to hold the company, medical assistance provider and its appointed agents blameless. Likewise, the insured person or dependant agrees to hold the company, medical assistance provider and its appointed agents blameless for any loss or damage caused for any reason beyond the control of the company or medical assistance provider or its appointed agents as a direct result of handling, transfusing or using the blood or equipment supplied by the medical assistance provider.

在紧急情况下，医疗援助服务提供机构将使用所有可得的联系和运输方式以履行其上述责任，但当发生可控范围外的故障、延迟或无法获得必要的服务时，医疗援助服务提供机构和本公司均不承担责任。

In an emergency, the medical assistance provider will use all available means of communication and transportation in order to fulfil its obligations outlined above but neither they nor the company

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