马友意外险咨询及购买

<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 21.1pt; LINE-HEIGHT: 150%; mso-char-indent-count: 2.0; mso-char-indent-size: 10.55pt;"><b><span style="COLOR: black; FONT-FAMILY: 宋体;"><font size="3">保障项目简要说明如下：<span lang="EN-US"> <p></p></span></font></span></b></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; LINE-HEIGHT: 150%;"><b><span style="COLOR: black; FONT-FAMILY: 宋体;"><font size="3">一．意外门诊、意外住院医药费报销：<span lang="EN-US"> <p></p></span></font></span></b></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 8.5pt; TEXT-INDENT: -8.5pt; LINE-HEIGHT: 150%; tab-stops: list 18.0pt; mso-list: l7 level1 lfo15;"><span lang="EN-US" style="FONT-FAMILY: Symbol;"><font size="3">¨</font><span style="FONT: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style="COLOR: black; FONT-FAMILY: 宋体;"><font size="3">因意外事故门诊或住院住院导致医药费用开支，<span lang="EN-US">100%报销，每次最高赔付5000元； <p></p></span></font></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 8.5pt; TEXT-INDENT: -8.5pt; LINE-HEIGHT: 150%; tab-stops: list 18.0pt; mso-list: l7 level1 lfo15;"><span lang="EN-US" style="FONT-FAMILY: Symbol;"><font size="3">¨</font><span style="FONT: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><font size="3"><span style="BACKGROUND: #d9d9d9; COLOR: black; FONT-FAMILY: 宋体; mso-shading: white; mso-pattern: gray-15 auto;">包括医生诊断、处方、手术费、救护车费、住院费、药费、<span lang="EN-US">X光检查费、护理费、医疗用品等；</span></span><span lang="EN-US" style="COLOR: black; FONT-FAMILY: 宋体;"> <p></p></span></font></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 8.5pt; TEXT-INDENT: -8.5pt; LINE-HEIGHT: 150%; tab-stops: list 18.0pt; mso-list: l8 level1 lfo17;"><span lang="EN-US" style="FONT-FAMILY: Symbol;"><font size="3">¨</font><span style="FONT: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><font size="3"><u><span style="BACKGROUND: #d9d9d9; COLOR: black; FONT-FAMILY: 楷体_GB2312; mso-shading: white; mso-pattern: gray-15 auto;">请注意：烧伤、烫伤、碰伤、磕伤、狗咬伤打预防针都可以在此处得到赔偿！并且每次赔偿在保额以内均可得<span lang="EN-US">100%的报销！</span></span></u><span lang="EN-US" style="COLOR: black; FONT-FAMILY: 宋体;"> <p></p></span></font></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; LINE-HEIGHT: 150%;"><b><span style="COLOR: black; FONT-FAMILY: 宋体;"><font size="3">二．意外身故及残疾给付<span lang="EN-US"> <p></p></span></font></span></b></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 8.5pt; TEXT-INDENT: -8.5pt; LINE-HEIGHT: 150%; tab-stops: list 18.0pt; mso-list: l13 level1 lfo20;"><span lang="EN-US" style="FONT-FAMILY: Symbol;"><font size="3">¨</font><span style="FONT: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><font size="3"><span style="COLOR: black; FONT-FAMILY: 宋体;">因意外事故导致身故或不同程度的永久残疾，按比例最高赔付<span lang="EN-US">5万；</span></span><span lang="EN-US" style="COLOR: black;"> <p></p></span></font></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 8.5pt; TEXT-INDENT: -8.5pt; LINE-HEIGHT: 150%; tab-stops: list 18.0pt; mso-list: l13 level1 lfo20;"><span lang="EN-US" style="FONT-FAMILY: Symbol; mso-bidi-font-weight: bold;"><font size="3">¨</font><span style="FONT: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><font size="3"><u><span style="BACKGROUND: #d9d9d9; COLOR: black; FONT-FAMILY: 楷体_GB2312; mso-shading: white; mso-pattern: gray-15 auto;">请注意：残废赔偿均按程度比例计算，合同中有详细规定。</span></u><b><span lang="EN-US" style="COLOR: black; FONT-FAMILY: 宋体;"> <p></p></span></b></font></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 21.1pt; LINE-HEIGHT: 150%; mso-char-indent-count: 2.0; mso-char-indent-size: 10.55pt;"><b><span lang="EN-US" style="COLOR: black; FONT-FAMILY: 宋体;"><font size="3">&nbsp; <p></p></font></span></b></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 21.1pt; LINE-HEIGHT: 150%; mso-char-indent-count: 2.0; mso-char-indent-size: 10.55pt;"><b><span style="COLOR: black; FONT-FAMILY: 宋体;"><font size="3">特点说明：<span lang="EN-US"> <p></p></span></font></span></b></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 21pt; TEXT-INDENT: -21pt; LINE-HEIGHT: 150%; tab-stops: list 21.0pt; mso-list: l21 level1 lfo5;"><span lang="EN-US" style="COLOR: black; mso-bidi-font-weight: bold;"><font face="Times New Roman"><font size="3">1.</font><span style="FONT: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></font></span><font size="3"><span style="BACKGROUND: #d9d9d9; COLOR: black; FONT-FAMILY: 宋体; mso-shading: white; mso-pattern: gray-15 auto; mso-bidi-font-weight: bold;">全国实现当地理赔（具有太平分支机构的全国<span lang="EN-US">100多大中城市）</span></span><span lang="EN-US" style="COLOR: black; mso-bidi-font-weight: bold;"> <p></p></span></font></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 21pt; TEXT-INDENT: -21pt; LINE-HEIGHT: 150%; tab-stops: list 21.0pt; mso-list: l21 level1 lfo5;"><span lang="EN-US" style="COLOR: black;"><font face="Times New Roman"><font size="3">2.</font><span style="FONT: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></font></span><font size="3"><span style="COLOR: black; FONT-FAMILY: 宋体;">规定额度内实报实销，无免赔额度限制；</span><span lang="EN-US" style="COLOR: black;"> <p></p></span></font></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 21pt; TEXT-INDENT: -21pt; LINE-HEIGHT: 150%; tab-stops: list 21.0pt; mso-list: l21 level1 lfo5;"><span lang="EN-US" style="COLOR: black; FONT-FAMILY: 宋体;"><font size="3">3.</font><span style="FONT: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><font size="3"><span style="BACKGROUND: #d9d9d9; COLOR: black; FONT-FAMILY: 宋体; mso-shading: white; mso-pattern: gray-15 auto;">不限次数，一年之内不限制报销次数；</span><span lang="EN-US" style="COLOR: black; FONT-FAMILY: 宋体;"> <p></p></span></font></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 21pt; TEXT-INDENT: -21pt; LINE-HEIGHT: 150%; tab-stops: list 21.0pt; mso-list: l21 level1 lfo5;"><span lang="EN-US" style="COLOR: black; FONT-FAMILY: 宋体;"><font size="3">4.</font><span style="FONT: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style="COLOR: black; FONT-FAMILY: 宋体;"><font size="3">理赔手续非常简便、人性化；<span lang="EN-US"> <p></p></span></font></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 21pt; TEXT-INDENT: -21pt; LINE-HEIGHT: 150%; tab-stops: list 21.0pt; mso-list: l21 level1 lfo5;"><span lang="EN-US" style="COLOR: black; mso-bidi-font-size: 10.0pt; mso-font-kerning: 0pt;"><font face="Times New Roman"><font size="3">5.</font><span style="FONT: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></font></span><span style="BACKGROUND: #d9d9d9; COLOR: black; FONT-FAMILY: 宋体; mso-shading: white; mso-pattern: gray-15 auto;"><font size="3">医院范围广泛：所有二级及以上医院均可，仅北京地区就有<span lang="EN-US">170多家。</span></font></span></p><span style="BACKGROUND: #d9d9d9; COLOR: black; FONT-FAMILY: 宋体; mso-shading: white; mso-pattern: gray-15 auto;"><font size="3"><span lang="EN-US"></span></font></span><span lang="EN-US" style="COLOR: black; mso-bidi-font-size: 10.0pt; mso-font-kerning: 0pt;"><p></p><p style="LINE-HEIGHT: 13.5pt;"><strong><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">第三条</span></strong><strong><span style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"> </span></strong><strong><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">保险责任</span></strong><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"><br/></span><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">意外伤害医药费保险金：</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"><br/></span><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">在本附加合同有效期内，被保险人因遭受意外伤害事故，且自事故发生之日起</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;">180</span><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">天内经医院进行必要治疗，本公司按已支出的、必须且合理的实际医药费用给付意外伤害医药费保险金。</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"> <p></p></span></p><p></p><p></p><p style="LINE-HEIGHT: 13.5pt;"><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">同一意外伤害事故的最高医药费给付，最高以本附加合同的保险金额为限。当地社会医疗保险（含公费）管理部门规定的，正在执行的自费项目和自费药品部分的费用，本公司不承担保险金给付责任。</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"> <p></p></span></p><p></p><p></p><p style="LINE-HEIGHT: 13.5pt;"><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">如果被保险人按政府规定取得补偿，或从其它社会福利机构、任何医疗保险、单位、个人给付取得补偿，本公司仅给付剩余部分。</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"> <p></p></span></p><p></p><p></p><p></p></span>

[此贴子已经被admin于2006-4-29 13:29:38编辑过]

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<p style="LINE-HEIGHT: 13.5pt;"><strong><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">第四条</span></strong><strong><span style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"> </span></strong><strong><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">责任免除</span></strong><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"><br/></span><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">因下列情形之一导致的被保险人需接受医院治疗的，本公司不承担保险金给付责任：</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"><br/></span><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">一、牙齿修复、牙齿整形或视力矫正；</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"><br/></span><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">二、一般身体检查、疗养、特别护理或静养、康复性治疗；</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"> <br/></span><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">三、美容手术、整形手术，或先天性疾病、先天性畸形；</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"> <p></p></span></p><p style="LINE-HEIGHT: 13.5pt;"><strong><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">第八条</span></strong><strong><span style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"> </span></strong><strong><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">保险金的申请</span></strong><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"><br/></span><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">意外伤害医药费保险金的申请</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"><br/></span><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">申请领取门诊医药费保险金时，应自费提供下列基本资料：</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"><br/></span><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">门</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;">/</span><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">急诊诊断证明、检</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;">/</span><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">化验资料、门</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;">/</span><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">急诊收据、保单原件、身份证明原件；</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"> <br/></span><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">申请领取住院医药费保险金时，应自费提供下列基本资料：</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"> <br/></span><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">住院病历、出院小结、检</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;">/</span><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">化验资料、住院收据、保单原件、身份证明原件；</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"> <br/></span><span style="FONT-SIZE: 9pt; COLOR: black; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">索赔申请给付各项保险金的权利，自申请人或受益人知道或应当知道保险事故发生之日起二年内不行使而消灭。</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"><p></p></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><b><span style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">部分重要释义：</span></b><b><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial;"><p></p></span></b></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 21pt; TEXT-INDENT: -21pt; LINE-HEIGHT: 150%; tab-stops: list 21.0pt; mso-list: l21 level1 lfo5;"><b><span style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">医院：</span></b><span style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">本公司指定或认可的，国家卫生部等级分类中的二级或二级以上的医院，但不包括主要为门诊、康复、护理、疗养、戒酒、戒毒或相类似的医疗机构。同时该医院必须具有符合有关医院管理规定设置标准的医疗设备，并且提供</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体;">24</span><span style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">小时有合格医师及护士住院的医疗和护理等服务。</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: Arial; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体;"><br/></span><b><span style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">实际医药费用：</span></b><span style="FONT-SIZE: 9pt; COLOR: black; FONT-FAMILY: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">给付范围包括：手术费、住院费、药费、检查费、治疗费、诊疗费、化验费、护理费等在医院内支出的费用。除合同另有规定外，按当地现行公费医疗或社会医疗保险标准执行。</span></p>

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<p>请告诉我们，责任免除范围有那些。是否包括骑马！！！！！</p><p>&nbsp;</p>

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