I. Accident Insurance

1. Traffic accident insurance:
Insurance coverage:
During the insurance period, if the Insurant suffers from any accidental injury when taking a plane, a train (including the subway, light rail), a car (including the tram, trolley) or a ship (including the passenger ship, ferry, cruise), and thus dies or becomes disabled, the Insurer will pay the insurance money according to the agreement in the insurance policy.

Insurants:
Passengers who are under 75 years old and take the above-mentioned transports can serve as insurants.
Mental patients who cannot or cannot completely identify their own behaviors must not serve as insurants.

Product advantages:
No limit to the area. This product is applicable regardless of the Insurant’s nationality and whether the accident happens in the Mainland, China.
No limit to the nature of the transport. Commercial or non-commercial, the above-mentioned transports that the passengers take are within the scope of insured liability.
 

2. High-insured amount personal accident insurance
Insurance coverage:
During the insurance period, if the Insurant suffers from any accidental injury and thus dies or becomes disabled, the Insurer will pay the insurance money according to the agreement in the insurance policy and the sum of the paid insurance money shall be no more than the amount of insurance money.

Insurants:
Natural persons who are 6 months old to 65 years old, physically healthy, and can work or live normally can serve as insurants.

Product advantages:
No limit to the area. This product is applicable regardless of the Insurant’s nationality and whether the accident happens in the Mainland, China.
The insured amount is sufficient. Once the Insurant unfortunately has an accident, thus dies or becomes disabled and the accident is confirmed to be within the scope of insured liability, the insurance company will pay the agreed insurance money once through, so as to protect the Insurant’s family against another economic hit.
 
 

II. Health Insurance

 
1. Middle- and high-end medical insurance products
Insured liability:
As agreed by the Insurer, the policyholder can choose to buy malignant tumor medical insurance after buying general medical insurance, and indicate it in the insurance policy.
Insured liability of general medical insurance
During the insurance period, if the Insurant suffers from accidental injury or gets ill after the waiting period as agreed in the insurance contract (renewals are not subject to the waiting period), is under treatment in public hospitals at the second class or above within the People’s Republic of China (excluding Hong Kong, Macau and Taiwan) or the medical institution recognized by the Insurer, the Insurer will calculate and pay the insurance money for the medical expenses which are necessary and reasonable in the inpatient medical expenses, special outpatient medical expenses, outpatient operation cost, outpatient and emergency medical expenses before and after hospitalization totally paid by the Insurant within the amount of money of general medical insurance after deducting the agreed deductible according to the agreement on the insurance money payment standards.
Insured liability of malignant tumor medical insurance
During the insurance period, if the Insurant gets ill for the first time after the waiting period as stipulated in the insurance contract (renewals are not subject to the waiting period), is diagnosed as suffering from malignant tumor by the specialist and under treatment in public hospitals at the second class or above within the People’s Republic of China (excluding Hong Kong, Macau and Taiwan) or the General Department of a medical institution recognized by the Insurer, the Insurer will first pay the money of general medical insurance according to the agreement; when the total insurance money paid by the Insurer reaches the amount of insurance money of the general medical insurance, the Insurer will calculate and pay the money of the malignant tumor medical insurance according to the agreement on the payment standards for the medical expenses which are necessary and reasonable in the inpatient medical expenses, special outpatient medical expenses, outpatient operation cost, outpatient and emergency medical expenses before and after hospitalization paid by the Insurant within the scope of the insured liability, and are not compensated within the scope of the insured liability of the general medical insurance.

Insurants:
Natural persons who are 0 to 80 years old (including), physically healthy when buying the insurance for the first time, and can work or live normally can serve as insurants under the insurance contract. If the Insurant is 0 year old when the insurance is bought, the Insurant shall be a baby who is 28 days old at least and has left the hospital healthily. If the Insurant is more than 60 years old (excluding), the Insurer will not accept first insurance but only accept insurance renewal.

Product advantages:
No limit to the social security medicine. No limit to the type of disease. No limit to the therapeutic means.
No deductible after malignant tumor is diagnosed, no matter the follow-up expenses are used for treating the malignant tumor or not.
Year-by-year claim, till 80 years old at most. After claiming or getting physically ill, renewal is still allowed.
Serious disease care service, green channel for medical treatment, consultation, online expert consultation and other health management services for free.
Besides the basic edition of Renrenankang 1-Million medical insurance, the 1-Million medical insurance products of the VIP clinic and the International Department can be also customized and bought.
 
 
***Note: Should there be any inconsistencies between the English and the Chinese versions, the Chinese version shall prevail