Coverage Policy

Insurance covers accidents or sickness occurring within Taiwan ONLY. Accidents or sickness requiring specialized medical care or occurring before the insurance policy was taken out will not be covered.

Outpatient/Emergency treatment benefit :

While this Policy is still effective, if the Insured suffers an illness or injury and receives (emergency) treatment at a hospital/ clinic as an outpatient, the company will reimburse all medical expenses incurred. However, the payment of benefit shall not exceed the limit of 1000NTD (per visit).

Daily Hospital miscellaneous benefit :

While this Policy is still effective, if the Insured suffers an illness or injury and receives treatment at a hospital as an inpatient, the company will reimburse the following expenses incurred.

1.          Balance billing on hospital rooms.

2.          Food, except for nutrients provided through tube feeding.

3.          Nursing care fee excluding special nurse fee.

However, the payment of benefit shall not exceed the limit of 1000NTD (per day).

Hospital miscellaneous benefit :

While this Policy is still effective, if the Insured suffers an illness or injury and receives treatment at a hospital as an inpatient, the company will reimburse the following expenses incurred.

1.          Physician instructions medication.

2.          Blood, except for blood transfusions deemed necessary by a doctor providing emergency care

3.          Registration fee and cost of obtaining related certificates

4.          Ambulance fee(from or between hospital).

5.          Operation fee.

6.          Operation room, post-operative recovery room, emergency room or the application of its equipment.

7.          Materials fee.

8.          Laboratory tests, electrocardiogram, basal metabolic rate check.

9.          Rehabilitation therapy.

10.      Anesthetics, oxygen, and its application.

11.      Therapeutic radiology.

12.      Hemodialysis.

13.      Injection and its liquid medicine.

14.      Laboratory examination.

15.      Treatment.

However, the payment of benefit shall not exceed the limit of 120,000 NTD (per hospitalization).

Note：

The above information is for reference only. For details of the terms and conditions, please refer to the policy contract (Chinese version). The terms and conditions of insurance policy (Chinese version) shall prevail if there is any inconsistency between the above information and the insurance policy.

★ Outpatient/Emergency Treatment Benefit：

While this Policy is still effective, if the Insured suffers an illness or injury and receives outpatient or emergency treatment at a hospital/clinic, the company will reimburse all medical expenses incurred (including registration, diagnosis, prescription, medicine, examination or X-ray inspection, etc.). The payment of benefit shall not exceed the limit of NT$1,000 per visit.

★ Room and Board Benefit：

While this Policy is still effective, if the Insured suffers an illness or injury and receives treatment at a hospital as an inpatient, the company will reimburse the following expenses incurred:

1. Ward fees of upgrade hospital rooms excessive of National Health Insurance supplemented.

2. Meals, except for fees of tube feeding.

3. Nursing care fees excluding special nurses fees.

The payment of benefit shall not exceed the limit of NT$1,000 per day. The maximum days per hospital stay is 365 days.

★ Hospital Miscellaneous Medical Expenses Benefit:

While this Policy is still effective, if the Insured suffers an illness or injury and receives treatment at a hospital as an inpatient, the company will reimburse the following expenses incurred.

1. Physician instructions medication.

2. Blood, except for blood transfusions deemed necessary by a doctor providing emergency care.

3. Registration fee and cost of obtaining related certificates.

4. Ambulance fee (from or between hospitals).

5. Physician examination fees (including consultation fees).

6. Operation fee.

7. The application of operation room and its equipment, treatment room and its equipment.

8. Symptomatic prescription drug by attending physician.

9. Dressings, surgical splints and plaster plastic.

10. Laboratory tests, electrocardiogram, basal metabolic rate check.

11. Symptomatic of the necessary physical therapy.

12. The application of Anesthetics and oxygen.

13. X-ray examination.

14. Injection and its liquid medicine.

15. Transfusion of blood or plasma infusion fee for the emergency treatment purpose based on the physician’s diagnosis.

16. All kinds of treatment materials (including special materials, surgical materials, with the exception of sanitary materials)

17. Additional medical expenses payable by the National Health Insurance.

The payment of benefit shall not exceed the limit of NT$120,000 per hospital stay. The maximum days per hospital stay is 365 days.

★ Daily Hospital Indemnity Benefit:

While this Policy is still effective, if the Insured suffers an illness or injury and receives treatment at a hospital as an inpatient, the company will pay Daily Hospital Indemnity benefit NT$1,000 multiplied by actual days of hospitalization. The maximum days per hospital stay is 365 days.

However, if the insured applies for the Daily Hospital Indemnity benefit, she/he cannot apply for Room and Board benefit and Hospital Miscellaneous Medical Expenses benefit for the same hospital stay.

※Note：

1. The above information is for reference only. For details of the terms and conditions, please refer to the policy contract (Chinese version).

2. The terms and conditions of insurance policy (Chinese version) shall prevail if there is any inconsistency between the above information and the insurance policy.