| 1. |
Once insured, will the Insured
be covered by this plan wherever he/she is in
Mainland China? |
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It depends on whether the Insured has subscribed
for a Blue Card or Gold Card. The Blue Card covers
accident emergency medical treatment at designated
hospitals in Guangdong and Fujian provinces. On
the other hand, the Insured holding a Gold Card
will enjoy the protection at designated hospitals
in any city or province in the Mainland China.
For the list of cities and provinces as well as
hospitals, the Insured may refer to the website
of Ming An Insurance: www.mingan.com |
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| 2. |
I applied for the Gold Card but was granted
together with a Blue Card. How to use them? |
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The Insured with the Gold Card shall enjoy comprehensive
accident medical protection at around 4,000 designated
hospitals in any city and province in the Mainland;
whereas, in Guangdong and Fujian Provinces, the
Insured has to produce the Blue Card when visiting
the 3,000 designated medical units endorsed by
the Public Health Bureau of the relevant province. |
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| 3. |
Is there any requirement that the Insured must
stay in the medical unit for more than 24 hours
before he/she can get the medical expenses protection
provided by this plan? |
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Except the exclusions as mentioned in the policy,
as long as the Insured has been admitted to hospital
as a result of an accident, he/she would be covered
and he/she does not need to be hospitalised for
more than 24 hours. |
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| 4. |
If the accidental medical expenses exceed the
maximum limit as specified in the Schedule of
Benefits, what should the Insured do? |
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If the emergency medical expenses are within
the maximum benefit of HKD300,000, the Insured
need not pay any medical expenses before discharging
from hospital; if otherwise, the Insured has to
pay the excess amount. |
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| 5. |
Will the Insured enrolling for this plan be
automatically entitled to the Worldwide Emergency
Assistance Service provided by Inter Partner Assistance
Hong Kong Limited? Will the Insured get the medical
assistance service outside China, for example,
in the UK? |
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After approval of the Insured's enrollment for
this plan, he/she will automatically be entitled
to the Worldwide Emergency Assistance Service
provided by Inter Partner Assistance Hong Kong
Limited. It is a global service and the Insured
may enjoy the medical assistance service and travel
hotline services outside China. For details, please
see the promotion booklet or policy. |
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| 6. |
When will the protection come into effect? |
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The protection will be valid seven working days
after acceptance of the proposal. |
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| 7. |
What kind of hospitals within the territory
of China fall outside the network of this protection
plan? If the Insured has been admitted into a
hospital which is not under the network of this
plan, can he/she claim reimbursement from the
Insurer by providing the original medical bills
and receipts? |
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Joint venture and military hospitals are generally
excluded from the medical network of this plan.
If the Insured is not hospitalised within the
hospital network, the Insurer will not be responsible
for paying the related hospital deposit guarantee
and medical expenses. |
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| 8. |
How do the network medical units in the Mainland
check and confirm the identity of the Insured? |
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Upon admission of the Insured into hospital,
the staff of the medical unit will check the information
printed on the Accident Emergency Medical Insurance
Card and the Insured's identification documents
such as China Re-entry Permit or passport numbers. |
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| 9. |
What can an Insured do if a network hospital
rejects his/her application? |
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The Insured should call Ming An Insurance 24-hour
Customer Service Hotline (86) 135-1001-5793. Ming
An staff will then verify the relevant information
and contact The Ministry of Public Health, The
People's Republic of China / Provincial Public
Health Bureau to arrange for the Insured's admission.
For emergency medical services, the Insured should
call the Inter Partner Assistance Hong Kong Limited
24-hour Worldwide Emergency Assistance Service
Hotline on (852) 2861-9283 via "collect call"
for assistance. |
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| 10. |
Are there any major exclusions under the Personal
Accident Insurance coverage offered by "The
Mainland China Accident Emergency Medical Protection
Plan"? |
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Besides the general exclusions of the policy,
if the Insured engages in any of the types of
work listed below (whether on a temporary or permanent
basis), no benefit shall be payable for death
or permanent total disablement which results from
or is caused directly or indirectly by an accident:
| 1. |
taking part in performing entertainment
or film/television production or Stunt person
or Stuntman; |
| 2. |
driving commercial vehicles (container
tractor, lorry, crane truck or coach); |
| 3. |
working at height exceeding 30 feet above
ground or floor level or excavations in
any part of a depth of 20 feet from the
surface; |
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working on board or terminal; |
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working on a construction site; |
| 6. |
using of machinery driven
by mechanical power or using machinery for
cutting or pressing metal or plastic. |
In the event of death of an Insured caused by
accident resulting from any of the types of work
as mentioned above, the Insurer will pay an Accidental
Death Allowance of HKD20,000 to the Insured's
legal/appointed beneficiary. |
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Apply Mainland China Accident Emergency Medical
Protection Plan now by downloading the proposal
form. |
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Please call "Hang Seng General Insurance"
on 2198-7878 during office hours for more details. |