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Giving you as much as RMB 2,000,000 ADD coverage, up to RMB 100,000 accidental medical reimbursement, SmartCare Prime Personal Accident Insurance provides unparalleled accidental, medical assurance anywhere in the world for you and your beloved family.
Schedule of Benefits
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Coverage
|
Basic Plan |
|
Maximum Limit Per Insured Person
(Currency: RMB)
|
|
Plan A |
Plan B |
Plan C |
Child |
Accidental Death & Dismemberment
We will pay the Insured Person's beneficiary a lump sum payment in the event of death or dismemberment as a result of an accident. |
100,000
|
200,000
|
300,000
|
100,000
|
Accidental Serious Burns
We will pay the Insured Person's beneficiary a lump sum payment in the event of burns as a result of an accident. |
50,000
|
100,000
|
10,000
|
100,000
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Compassionate Cash Relief
We will pay the amount stated in the Policy Schedule to the deceased's beneficiary in the event of death of the insured person resulting from an accident. |
1,000
|
2,000
|
3,000
|
N/A
|
Accidental Medical Expenses(No Copayment)
We will reimburse the actual medical expenses due to an accidental injury.
*Chinese herbalists and bonesetters fees are subject to a maximum of RMB100 per visit per day, up to a maximum of RMB2, 000 per policy year. |
5,000
|
8,000
|
10,000
|
5,000
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Double Indemnity for Public Conveyance
An amount equal to the Accidental Death, Burns and Dismemberment benefit shall be paid to the Insured Person who suffers from an accident that results in death, burns and dismemberment while riding as a fare paying passenger in common carrier during travelling.(Not Applicable to Children Under 18 Years of Age) |
100,000
|
200,000
|
300,000
|
N/A
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Daily Accidental Hospital Income and Daily Hospital Income in ICU (Max. 90 days per policy year)
We will pay daily hospital allowance if the Insured Person is hospitalized for over 24 hours as a result of an accidental injury, include ICU. |
60/day
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100/day
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120/day
|
60/day
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Children’s Education Fund
We will pay the Insured Person's children
The education fund in the event of death of the Insured as a result of an accident. |
RMB10,000 per child, up to 3 children
|
N/A
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Parents’ Shield
We will pay the Insured Person's parents
a lump sum payment in the event of death of the Insured as a result of an accident. |
up to RMB8,000 per parent
|
N/A
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Income Protection
We will pay the Insured if the Insured is permanently unemployed as a result of permanent dismemberment causing from an accident. |
6 months salary up to RMB30,000
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N/A
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Loan Protector
We will pay back the loan of the Insured Person in the event of death of the Insured as a result of an accident. |
Up to RMB3,000
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N/A
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Recovery Cash Benefit
The recovery cash benefit will be given should the Insured being hospitalized for over 21 consecutive days. |
5,000
|
5,000
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5,000
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2，000
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Home Nursing (Max. 4 weeks) |
300/week |
300/week |
300/week |
100/week |
Emergency Assistance
Including emergency medical assistance and evacuation, emergency medical repatriation, repatriation of moral remains |
100,000
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100,000
|
100,000
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100,000
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No Claim Bonus |
Increase ADD Insured Amount 10% yearly up to 30% |
N/A |
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Coverage
|
Elite Plan |
|
Maximum Limit Per Insured Person
(Currency: RMB)
|
|
Plan A |
Plan B |
Plan C |
Child |
Accidental Death & Dismemberment
We will pay the Insured Person's beneficiary a lump sum payment in the event of death or dismemberment as a result of an accident. |
500,000
|
1,000,000
|
2,000,000
|
100,000
|
Accidental Serious Burns
We will pay the Insured Person's beneficiary a lump sum payment in the event of burns as a result of an accident. |
500,000
|
1,000,000
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2,000,000
|
10,000
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Compassionate Cash Relief
We will pay the amount stated in the Policy Schedule to the deceased's beneficiary in the event of death of the insured person resulting from an accident. |
10,000
|
20,000
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30,000
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N/A
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Accidental Medical Expenses(No Copayment)
We will reimburse the actual medical expenses due to an accidental injury.
*Chinese herbalists and bonesetters fees are subject to a maximum of RMB100 per visit per day, up to a maximum of RMB2, 000 per policy year. |
25,000
|
50,000
|
100,000
|
5,000
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Double Indemnity for Public Conveyance
An amount equal to the Accidental Death, Burns and Dismemberment benefit shall be paid to the Insured Person who suffers from an accident that results in death, burns and dismemberment while riding as a fare paying passenger in common carrier during travelling.(Not Applicable to Children Under 18 Years of Age)
|
N/A
|
N/A
|
N/A
|
N/A
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Daily Accidental Hospital Income and Daily Hospital Income in ICU (Max. 90 days per policy year)
We will pay daily hospital allowance if the Insured Person is hospitalized for over 24 hours as a result of an accidental injury, include ICU. |
100/day
|
200/day
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300/day
|
100/day
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Children’s Education Fund
We will pay the Insured Person's children
The education fund in the event of death of the Insured as a result of an accident. |
RMB10,000 per child, up to 3 children
|
N/A
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Parents’ Shield
We will pay the Insured Person's parents
a lump sum payment in the event of death of the Insured as a result of an accident. |
up to RMB8,000 per parent
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N/A
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Income Protection
We will pay the Insured if the Insured is permanently unemployed as a result of permanent dismemberment causing from an accident. |
6 months salary up to RMB30,000
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N/A
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Loan Protector
We will pay back the loan of the Insured Person in the event of death of the Insured as a result of an accident. |
Up to RMB3,000
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N/A
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Recovery Cash Benefit
The recovery cash benefit will be given should the Insured being hospitalized for over 21 consecutive days. |
5,000
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5,000
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5,000
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2,000
|
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Home Nursing (Max. 4 weeks) |
300/week |
300/week |
300/week |
100/week |
Emergency Assistance
Including emergency medical assistance and evacuation, emergency medical repatriation, repatriation of moral remains |
100,000
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100,000
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100,000
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100,000
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No Claim Bonus |
Increase ADD Insured Amount 10% yearly up to 30% |
N/A |
Premium Table (RMB)
|
Basic Plan |
Elite Plan |
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(Currency：RMB/Person) |
Plan A |
Plan B |
Plan C |
(Currency：RMB/Person) |
Plan A |
Plan B |
Plan C |
|
Insured Person |
Class 1 |
300
|
380 |
460 |
Insured Person |
1,280
|
2,480
|
4,880 |
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Class 2 |
420 |
550 |
680 |
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Class 3 |
580 |
820 |
1060 |
Child(ren)
|
280
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Child(ren) |
250 |
*For Elite Plan, 15% total premium off could be applied if you are insured with your spouse and/or
child(ren).
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(8621) 6156 3500
(8621) 6882 4600
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