2014 Insurance Instructions

Annex I: Description of the eligibility and related matters of the insured persons with major sickness insurance

(a), the insured's eligibility: The insured is required to be in good health. (ii), with causative agent and healthy body classification criteria Where have been suffering from malignant tumors, heart disease (cardiac insufficiency Ⅱ level above), myocardial infarction, leukemia, hypertension (Ⅱ level above), liver cirrhosis, chronic obstructive bronchial disease, cerebrovascular disease, chronic kidney disease, diabetes, aplastic anemia, congenital disease, psychosis or schizophrenia, epilepsy, Specific infectious diseases (not including hepatitis A, hepatitis B), AIDS, sexually transmitted diseases or are ill-hospitalized and alternating, ceases is the body. All other persons may be considered as healthy bodies. Interpretation: 1. Congenital diseases: The illness (illness or physical signs) that the insured is born with. These diseases are caused by human genetic material (including chromosomes and the genes located therein) that cause harmful changes to the human body, or because the mother is pregnant during pregnancy by some physical, chemical and biological factors such as the role of the fetal local somatic cell development is abnormal, resulting in the birth of the organ, The system exhibits anomalies in form or function. 2, specific infectious diseases: in particular, the following specific infectious diseases outbreaks of epidemics. Category A: Plague, cholera and secondary cholera, smallpox. Category B: Diphtheria, epidemic encephalomyelitis, dysentery (bacillary dysentery and amoebic dysentery), typhoid and paratyphoid, viral hepatitis, malaria, typhoid fever, back regulation fever, black fever, forest encephalitis, scrub disease, hemorrhagic fever, Leptospirosis, brucellosis. ） (iii) Special description of insurance liability The relevant insurance is only liable for the insured's liability for the major diseases as stipulated in the insurance clause or the supplementary agreement signed by the insurance company within the period of validity of the insurance contract. The insured is not covered by a major illness or a significant illness that has already been contracted prior to the entry into force of the Supplemental Agreement before it is insured. This note is intended.

Annex II: Interpretation of major illnesses of employees and spouses

Major illness: Refers to one of the following diseases or surgeries: I. Acute myocardial infarction or acute cardiac infarction A partial myocardial necrosis is caused by a lack of adequate blood supply due to coronary artery occlusion. At least three of the following conditions must be met: 1. Typical clinical manifestations, such as acute chest pain; 2. The recent abnormal changes of ECG showed acute myocardial necrosis. 3. Myocardial enzymes or troponin have increased diagnostic significance, or are in accordance with the dynamic changes of acute myocardial infarction; 4. After 90 days of onset, the left ventricular function was reduced, as the left ventricular ejection fraction was less than 50%. The insured's acute myocardial infarction (NSTEMI) due to minor infarction does not fall under the terms of acute myocardial infarct or acute myocardial infarction. Second, serious malignant tumor Refers to the uncontrolled growth and proliferation of malignant cells, infiltration and destruction of surrounding normal tissues, can be transferred through blood vessels, lymphatic vessels and body cavity spread to other parts of the disease. The pathological examination results clearly diagnose, the clinical diagnosis belongs to the World Health Organization "International Statistical Classification of Diseases and Related health problems" (ICD-10) of malignant tumor category. The following diseases are not covered: 1. Carcinoma in situ; 2. Chronic lymphocytic leukemia equivalent to the degree of phase A of the Binet staging scheme; 3. The equivalent of Ann Arbor staging plan I-phase degree of Hodgkin's disease; 4. Skin cancer (excluding malignant melanoma and metastatic skin cancer); 5. TNM Staging is t1n0m0 stage or lighter stage of prostate cancer; 6. Infection with HIV or cancer during the period of AIDS. Third, end-stage renal disease (or chronic renal failure uremia period) Refers to the double kidney function chronic irreversible failure, reaches the uremia period, after the diagnosis has carried on at least 90 days the regular dialysis treatment or carries on the kidney transplant operation. Iv. major organ transplantation or hematopoietic stem cell transplantation A major organ transplant, which is a kidney, liver, heart or lung Allograft, has been performed due to a corresponding organ failure. Hematopoietic stem cell transplantation refers to allogeneic transplantation of hematopoietic stem cells (including bone marrow hematopoietic stem cells, peripheral blood hematopoietic stem cells and umbilical cord blood hematopoietic stem cells) for hematopoietic function damage or hematopoietic system malignancies. V. Paralysis Refers to the permanent total loss of the limb or limbs above two or more limbs as a result of illness or accidental injury. Permanent total loss of limb function, refers to 180 days after the diagnosis of the disease or 180 days after the occurrence of accidental injury, the two major joints of each limb are still completely stiff, or can not follow consciousness activities. Six, cerebral apoplexy Refers to the brain vessels caused by sudden changes in cerebrovascular hemorrhage, embolism or infarction, and lead to permanent dysfunction of the nervous system. Permanent dysfunction of the nervous system, 180 days after the diagnosis of the disease, remains one or more of the following disorders: 1. Total loss of sensory or motor function over one limb; 2. Complete loss of verbal or masticatory ability 3. More than two limbs feeling or motor dysfunction and unable to self-care daily life; The so-called inability to take care of daily life refers to food intake, into the toilet, wear clothes, living, walking, bathing, etc. can not be their own, often need others to help the state. Coronary artery bypass grafting surgery (or coronary artery bypass grafting) refers to the treatment of severe coronary heart disease, the actual implementation of open-thoracic coronary artery bypass grafting surgery. Coronary stent implantation, balloon dilatation, laser radiofrequency and other non-thoracic interventional procedures, endoscopic surgery are not covered. Viii. Severe burns Refers to the whole body skin above 20% receives Ⅲ degree burns. However, burns caused by the insured's own actions do not fall under the severe burns referred to in these terms. Ix. acute or subacute severe hepatitis Refers to the liver tissue diffuse necrosis caused by hepatitis virus infection, leading to acute liver failure, and confirmed by serological or viral examination, and must meet all the following conditions: 1. Severe jaundice or jaundice increases rapidly; 2. Hepatic encephalopathy; 3. B-ultrasound or other imaging examinations showed a rapid atrophy of the liver volume; 4. The liver function index was deteriorating. Fulminant hepatitis due to alcoholic hepatitis and drug poisoning does not fall within the meaning of this article. X. Aortic surgery Thoracic or abdominal aortic resection or transplantation for the treatment of aortic disease through thoracotomy or laparotomy. Trauma-induced aortic damage surgery is not part of the main artery surgery referred to in these terms. Heart Valve Replacement Surgery For the treatment of heart valve disease, the actual implementation of open-heart valve replacement or repair surgery. 12. Multiple Sclerosis The dysfunction of an irreversible body part caused by the removal of the myelin sheath of the central nervous system requires a clear diagnosis by a neurologist and a diagnostic report of CT or MRI findings. The so-called irreversible functional impairment of the body refers to the diagnosis of dysfunction after more than 180 days. A definitive diagnosis provided by a neurologist must include the following: 1. The clinical manifestations caused by optic nerve, brainstem and spinal cord injury were identified. 2. The multiplicity of bodily damage that is scattered; 3. There is a clear history of the above symptoms and repeated deterioration and reduction of neurological impairment. 13. Aplastic anemia Refers to anemia, neutropenia, and thrombocytopenia caused by chronic persistent failure of bone marrow hematopoietic function. All of the following conditions must be met: 1. The results of bone marrow puncture examination or bone marrow biopsy support diagnosis; 2. The peripheral blood must have the following three conditions: ① neutrophil absolute ≤0.5x109/l, ② reticulocyte <1%;③ platelet absolute value ≤20x109/l. When applying for a claim, you must provide the corresponding hospital documentation or inspection report in the above items. 14. Blindness An accidental injury or illness causes an organic injury, which leads to permanent and complete loss of binocular vision. Blindness includes the absence or removal of the eyeball, or the inability to discern light or dark, or to discern the hand manually. At the same time, the best corrective vision is lower than international standard vision table 0.02, or the field of vision is less than 5 degrees, and by the ophthalmologist issued medical diagnostic certificate. Xv. Benign brain tumors Refers to the brain of benign tumors, has caused increased intracranial pressure, clinical manifestations of optic nerve papillary edema, mental symptoms, epilepsy and motor sensory disorders, and endanger life. Must be confirmed by imaging examinations such as cranial tomography (CT), MRI, or positron emission tomography (PET) and must meet at least one of the following conditions: 1. The operation of complete resection or partial resection of brain tumors performed by craniotomy is actually carried out. 2. Radiation therapy for brain tumors was actually implemented. Pituitary tumors, brain cysts, cerebrovascular diseases are not covered. 16. Alzheimer's Disease It refers to the severe decline or loss of intelligence caused by the change of sexual and irreversible changes in the brain, the clinical manifestations of which are obvious cognitive impairment, behavioral abnormalities and social impairment, and their daily life must be continuously monitored by others. Must be confirmed by imaging examinations such as cranial tomography (CT), MRI, or positron emission tomography (PET), and the ability to live autonomously is completely lost, and cannot be completed independently of three or more of the six basic daily activities. Neurosis and mental illness are not within the scope of protection. 17. Severe Parkinson's disease is a central nervous system degenerative disease, clinical manifestations of tremor paralysis, ataxia and so on. All of the following conditions must be met: 1. Drug treatment can not control the disease; 2. The self-living ability is completely lost, unable to independently complete six basic daily activities of three or more. Secondary Parkinson's syndrome is not within the scope of protection. 18. Acute polio Confirmed by the neuro-chief physician is a paralytic disease or a weakened respiratory function due to a motor dysfunction caused by a polio virus infection. 19. End of liver disease The end of liver disease refers to cirrhosis caused by liver diseases. All of the following clinical manifestations must be met: 1. Intractable ascites; 2. Hepatic encephalopathy; 3. The hyperemia of the spleen is associated with hypersplenism, esophageal and gastric varices. Liver failure due to alcoholic hepatitis and drug poisoning does not belong to the end of liver disease referred to in these terms. 20. Severe head trauma A neurological dysfunction that is caused by a loss of neurological function due to an accidental head injury has lasted more than 90 days, and is diagnosed by a neurologist doctor. Neurological dysfunction caused by lack of functioning of the nervous system means that the insured is incapable of independently completing the following three or more acts: bathing, changing, entering the toilet, eating food, sleeping on the bed, or sitting down. The term "permanent complete" in the definition of the major disease refers to the condition that the function is still completely lost after 180 days from the date of the accident or the date of the diagnosis of the disease, but the removal of the eyeball is clearly not possible.

Annex III: Definition of major diseases of employees ' children First, cancer Cancer refers to the abnormal proliferation of tissue cells and metastatic characteristics of malignant or malignant leukocytes, by pathological examination determined to meet the national Ministry of Health "International Disease injury and Death classification criteria" attributed to malignant tumors, except as follows: 1. The first stage of Ho-Jin's disease; 2, chronic lymphatic leukemia; 3, in situ cancer; 4. Skin cancer other than malignant melanoma. Second, severe myocarditis with congestive heart failure Severe myocarditis with congestive heart failure refers to the limitation of myocardial or diffuse inflammatory lesions, myocardial fibers degeneration and necrosis, leading to heart failure, but congenital diseases caused by the exception. The diagnostic criteria must meet the following conditions: 1, a clear diagnosis of myocarditis, must also have the following clinical manifestations and examination results: (1) Chest pain, palpitations, symptoms of malaise; (2) The most recent abnormal changes of ECG show myocarditis; (3) Physical examination has cardiac enlargement, heart sound weakened, tachycardia or too slow signs; 2, the diagnosis of heart failure, the following clinical manifestations and test results were positive to 4: (1) Sudden breathing difficulties (infants >50 times/minutes, children >40 Times/min); (2) Tachycardia (infant >160/min, child >140/min, Children >120 Times/min), and room-run horse law; (3) Heart enlargement, lung rales; (4) Jugular vein pressure >2.1kpa and have liver enlargement or body edema; (5) The recent abnormal changes in ECG showed heart failure; (6) X-ray chest film: Pulmonary congestion or heart shadow enlargement; (7) Echocardiography: The changes in anatomical structure, hemodynamic changes and cardiac function of the heart and the large vessels indicate heart failure. Iii. Acute aplastic anemia Acute aplastic anemia refers to a variety of causes (except congenital diseases) caused by bone marrow stem cells and hematopoietic microenvironment damage, bone marrow hematopoietic function failure and total blood cell reduction, the bone marrow examination is diagnosed as aplastic anemia, acute onset and serious illness and must accept at least one of the following treatment: 1. Regular blood transfusion (over 60 days); 2, bone marrow irritant drugs (over 60 days); 3. Immunosuppressive agents (over 60 days); 4, bone marrow transplantation. Iv. Intracranial Benign tumors Intracranial benign tumors are non-malignant but life-threatening brain tumors that occur in the skull, originate in the brain, and are diagnosed by a neurologist, which can cause a series of manifestations of increased intracranial pressure (e.g., papillary edema of the optic nerve, disturbance of consciousness, seizure and limb sensation, motor function impairment). The presence of a benign brain tumor is confirmed by a computed tomography (CT) or magnetic resonance (MRI) examination. Except for pituitary adenoma, Brain cyst, granuloma, hematoma, cerebral arteriovenous malformation and spinal cord tumor. V. Acute renal failure (uremia) Acute renal failure (uremia) is a sudden and abrupt failure of the kidneys due to a variety of causes (other than congenital diseases) and must be treated with a regular dialysis treatment or kidney transplant for a period of more than 60 days. Vi. Severe burns Severe burns refers to a third degree of burns over 20% of the body's skin, but if the burn is caused by the insured's spontaneous or deliberate behavior, it is not covered by this contract, whether awake or not. Seven, double (single) eyes permanently completely blind Blindness includes the absence or removal of the eyeball, or inability to distinguish between light and shade, or the identification of the immediate hand, the best corrective vision is lower than the International standard Vision table 0.02, or the field of vision is less than 5 degrees, and by the company designated qualified ophthalmologist issued a medical diagnosis certificate.

Annex V: PICC Life Insurance Group Term life insurance (abbreviation: sickness insurance)

Rate: $30 per copy, insured amount is 100,000, employees can invest up to 8, spouses can invest up to 5.

Age: employees and spouses: 16-65 years of age

Insurance Liability:
If the insured dies (sudden death) for non-accidental reasons or is completely disabled for non-accidental reasons, the insured's insurance liability shall be terminated by paying the death or total residual insurance premiums according to the basic insured amount.
The insured person is covered by the health body and the non-healthy body, which is insured by the health body.

Definition of total residual disease:

Total Residue

"Total residue" as described in this Contract shall refer to one of the following circumstances: (1) Binocular permanent total blindness; (2) above the wrist joint of two upper limbs or the ankle joint of two lower limbs is absent; (3) One upper limb wrist joint above and one lower extremity ankle joint above is missing; (4) One eye permanently completely blind and a upper limb wrist joint above missing; (5) A permanent total blindness and loss of one leg of the ankle joint; (6) Permanent and complete loss of the function of limbs and joints; (7) The function of chewing and swallowing is permanently completely lost; (8) central nervous system function or chest, abdominal organ dysfunction, life can not engage in any work, in order to maintain life necessary daily life activities, all need others to help. Blindness: Including the absence or removal of the eyeball, or the inability to distinguish between light and shade, or the identification of the immediate manual, the best corrective vision is lower than the international standard visual acuity table 0.02, or the field of vision is less than 5 degrees, and by the company approved by the hospital's qualified ophthalmologist issued a medical diagnosis certificate. Loss of joint function: the joint is permanently completely stiff, or paralyzed, or the joint cannot follow the conscious activity. Loss of function of chewing and swallowing: refers to a condition that causes a disturbance of the body or a lesion due to a cause other than a tooth, and is not able to chew or swallow, except for liquid food, which cannot be ingested or swallowed. In order to maintain the life necessary for daily life activities, all need others to help: refers to food intake, urine and feces, wear and undress, living, walking, bathing, etc., can not be their own, need other people's assistance. The so-called permanent total means that since the date of accidental injury or the date of the diagnosis of the disease after 180 days of treatment, the function is still completely lost, but the removal of the eyeball and other obvious irreversible conditions are not limited. The company approved the hospital to make the full residual identification of the time for the insured total residual occurrence.

From for notes (Wiz)

2014 Insurance Instructions