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住院津贴保险责任

HospitalAllowanceCoverage

如果被保险人在个人保险期间因疾病或因遭受医院接受治疗，中意人寿将按该被保险人的个人保险期间内的住院天数乘以保险金额向被保险人给付保险金。如果被保险人入住重症监护病房治疗，则在此期间每日以双倍保险金额向被保险人给付保险金。

Duringtheinsuranceperiod,iftheInsuredreceivesinpatienttreatmentduetosicknessoraccidentalinjury,theCompanyshallpaytheInsuredanamountequalstothenumberofdaysofhospitalizationmultiplyingthespecifiedsumassuredoftheInsured.IftheInsurediswardedinIntensiveCareUnit(ICU),thepayablebenefitswillbedoubledduringthisperiodofconfinement.

同一住院原因的住院天数，最高以天为限。若被保险人因同医院，前次出院与后次入院日期间隔未达90天，则视为同一住院原因。

Themaximumofhospitalallowanceisdaysforthehospitalizationduetothesamecause.Fortheinsuredwhoisadmittedtohospitalforthesamecausewithanintervallessthan90days,itshouldbeconsideredasthesamecause.

住院津贴保险的常见除外责任：

(1)投保人对被保险人的故意杀害、故意伤害；

(a)TheInsuredsuffersfromintentionalmurderorinjurybythePolicyholder.

(2)被保险人未经医师处方注射、吸食、服用毒品或处方药品；

(b)Takingorinjectionofdrugsorprescribedmedicineswithoutthepermissionofaqualifieddoctor.

(3)被保险人故意自伤、故意犯罪或者抗拒依法采取的刑事强制措施；

(c)Intentionalself-inflictedinjurybytheInsuredortheInsuredparticipatesinillegalacts,







































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