China Merchants Cigna Schengen Travel Insurance Accident Medical Insurance Content

China Merchants Cigna Schengen Travel Insurance is a product suitable for people who travel, do business and visit relatives in Schengen countries. In addition to providing accidental death or disability protection, it can also provide accidental injury medical insurance, hospitalization medical insurance and emergency rescue services. Among them, accident medical insurance includes general outpatient expenses and dental outpatient expenses. Let's give you a detailed introduction.

China Merchants Cigna Schengen Travel Insurance Accident Medical Insurance Content

During the validity period of China Merchants Cigna Schengen Travel Insurance Contract, the insurance company shall bear the following accidental medical insurance responsibilities:

First, outpatient medical insurance

If the insured receives emergency medical consultation and necessary medical examination and treatment with the permission of the doctor authorized by the rescue agency due to accidental injury or sudden acute disease when traveling abroad, the insurance company will bear the outpatient expenses arising therefrom through the rescue agency. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

Outpatient medical insurance is calculated according to the following formula:

Medical insurance premium for each outpatient service = medical expenses for each outpatient service-deductible for each outpatient service. The deductible for each outpatient visit (including initial visit and follow-up visit) is one tenth of the basic insurance amount. For example, the basic coverage is 8,000 yuan, and the deductible for each outpatient service (including initial and follow-up visits) is 800 yuan.

The outpatient medical insurance premium paid by the insurance company according to the insurance contract is limited to the basic insurance amount specified in the insurance policy. If the medical expenses incurred by the insured within the scope of the insurance contract have been compensated or compensated from the social basic medical insurance, other commercial medical insurance protection plans or any other means, the insurance company will only assume the insurance liability for the rest according to the above agreement.

Second, the dental clinic medical insurance

If the insured's teeth are damaged due to accidental injury when traveling abroad, the insurance company will arrange dental clinic (including emergency) through the rescue agency after being confirmed by the doctor authorized by the rescue agency, and the insurance company will bear the resulting dental clinic expenses through the rescue agency. The medical insurance premium of dental clinic is calculated according to the following formula:

Medical insurance premium per dental clinic = medical expenses per dental clinic-deductible amount per dental clinic. The deductible for each dental clinic (including initial visit and follow-up visit) is one tenth of the basic insurance amount, for example, the basic insurance amount is 8,000 yuan, and the deductible for each dental clinic (including initial visit and follow-up visit) is 800 yuan.

The dental clinic medical insurance premium paid by the insurance company according to the insurance contract is limited to the basic insurance amount specified in the insurance policy. If the medical expenses incurred by the insured within the scope of the insurance contract have been compensated or compensated from the social basic medical insurance, other commercial medical insurance protection plans or any other means, the insurance company will only assume the insurance liability for the rest according to the above agreement.

Finally, I would like to remind you that in case of accidental injury or sudden acute disease during overseas travel, the insurance company will bear the outpatient expenses through the rescue agency only after the doctor authorized by the rescue agency allows emergency medical consultation and necessary medical examination and treatment.

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