您已进入投保流程
昆仑方舟一号保险
(已累计销售0份)
{"id":45,"productType":59,"productCode":"PC1101342","plcType":3,"title":"昆仑方舟一号保险","intro":"全方位为您提供个人综合意外保障,另扩展新型冠状病毒责任","marketIntro":"出生满28天到65岁均可投保","picUrl":"2417fd7a823fc8f0c0cd0a0549706d72.png","picUrlStr":"http://img.kunlunhealth.com.cn/2417fd7a823fc8f0c0cd0a0549706d72.png","pcPicUrl":"http://img.kunlunhealth.com.cn/fcb10beaabb763082e7c82ff1bb2a09b.png","minPicUrl":"","minPicUrlStr":"http://img.kunlunhealth.com.cn/","pcIntroPic":"","pcIntroPic1":null,"pcIntroPic2":null,"pcIntroPic3":null,"pcDetail":"8c7930edc74bcc182c6b7fc0d4cd0e04.png","pcDetailStr":"http://img.kunlunhealth.com.cn/8c7930edc74bcc182c6b7fc0d4cd0e04.png","h5Detail":"aa33567df9f8c621c42d311c6a9cc120.png","h5DetailStr":"http://img.kunlunhealth.com.cn/aa33567df9f8c621c42d311c6a9cc120.png","insuranceCase":"3602ed57f394aa4d62ac386346cc9192.png","insuranceCaseDoc":null,"pcInsuranceCase":"http://img.kunlunhealth.com.cn/2f0719be20a2cbf2e3936a905c338f4e.png","insuranceCaseStr":"http://img.kunlunhealth.com.cn/3602ed57f394aa4d62ac386346cc9192.png","insuranceFlow":"","insuranceFlowStr":"http://img.kunlunhealth.com.cn/","compPic":"","claimFlow":"","claimFlowStr":"http://img.kunlunhealth.com.cn/","notify":"<h4 class=\"red\">\n\t风险提示\n</h4>\n<p>\n\t<b>医院:</b>指本公司指定医院或国家卫生管理部门医院等级分类中的二级或二级以上的医院,但不包括主要作为康复、护理、疗养、戒酒、戒毒或相类似的医疗机构。该医院必须具有符合国家有关医院管理规则设置标准的医疗设备,且全天二十四小时有合格医师及护士驻院提供医疗及护理服务。\n</p>","notifyAtta":"http://img.kunlunhealth.com.cn/","healthNotify":"<p>\n\t1. 被保人是否曾确诊或疑似感染新型冠状病毒(2019-nCoV)?\n</p>","questVersion":"09202002","notifyJob":"1,2,3,4","minAmount":50,"maxAmount":0,"perAmount":0,"minNum":1,"maxNum":0,"buyNum":0,"expectedRate":"0.00","currentRate":0,"clause":"<h4>\n\t《免除保险人责任确认书》\n</h4>\n<p class=\"fontWeight600\">\n\t尊敬的客户,您好!\n</p>\n<p>\n\t感谢您选择昆仑健康保险股份有限公司(以下简称“本公司”)的《昆仑方舟一号保险产品》产品,这是对本公司的充分信任和支持,本产品主险为《个人综合意外伤害保险》。为了让您更充分的了解条款内容,保障您的合法权益,本公司在产品条款中已对免除保险责任的内容通过加黑以及标注灰色底纹的方式做了突出显示,请您仔细查阅,并请您重点关注各产品条款相关免责内容,具体内容如下:\n</p>\n<p class=\"docContent_title\">\n\t个人综合意外伤害保险\n</p>\n<p>\n\t<b>第七条 责任免除:</b> \n</p>\n<p class=\"textIndent2\">\n\t<b> 因下述一种或多种情形导致被保险人意外伤残或身故、发生医疗费用支出或进行住院治疗的,本公司不承担给付保险金的责任: </b> \n</p>\n<p class=\"textIndent2\">\n\t<b> (一)投保人对被保险人的故意杀害、故意伤害; </b> \n</p>\n<p class=\"textIndent2\">\n\t<b> (二)被保险人故意犯罪或者抗拒依法采取的刑事强制措施; </b> \n</p>\n<p class=\"textIndent2\">\n\t<b> (三)被保险人自杀,但被保险人自杀时为无民事行为能力人的除外; </b> \n</p>\n<p class=\"textIndent2\">\n\t<b>(四)被保险人猝死;</b> \n</p>\n<p class=\"textIndent2\">\n\t<b>(五)被保险人醉酒,斗殴,故意自伤,服用、吸食或注射毒品;</b> \n</p>\n<p class=\"textIndent2\">\n\t<b>(六)被保险人因食物中毒、整容、药物过敏、医疗事故或精神和行为障碍(依照世 界卫生组织《疾病和有关健康问题的国际统计分类(ICD-10)》确定)导致的伤害; </b> \n</p>\n<p class=\"textIndent2\">\n\t<b>(七)被保险人因妊娠(含宫外孕)、流产、分娩(含剖产)导致的伤害; </b> \n</p>\n<p class=\"textIndent2\">\n\t<b>(八)被保险人酒后驾驶,无合法有效驾驶证驾驶,或驾驶无有效行驶证的机动车; </b> \n</p>\n<p class=\"textIndent2\">\n\t<b>(九)被保险人未遵医嘱,私自服用、涂用、注射药物;</b> \n</p>\n<p class=\"textIndent2\">\n\t<b>(十)被保险人从事高风险运动,包括但不限于潜水、跳伞、攀岩、探险、蹦极、驾 驶滑翔机、武术比赛、摔跤、特技表演、赛马、赛车等;</b> \n</p>\n<p class=\"textIndent2\">\n\t<b>(十一)被保险人患精神疾病(以世界卫生组织颁布的《疾病和有关健康问题的国际 统计分类(ICD-10)》为准);</b> \n</p>\n<p class=\"textIndent2\">\n\t<b>(十二)被保险人在保险责任开始之前所患疾病及其并发症,或者已经出现的症状、 体征、生理缺陷、残疾等,但在投保时已书面告知本公司的除外;</b> \n</p>\n<p class=\"textIndent2\">\n\t<b>(十三)被保险人患椎间盘突出症(包括椎间盘膨出、椎间盘突出、椎间盘脱出、游 离型椎间盘等类型);</b> \n</p>\n<p class=\"textIndent2\">\n\t<b>(十四)战争、军事冲突、暴乱或武装叛乱;</b> \n</p>\n<p class=\"textIndent2\">\n\t<b>(十五)核爆炸、核辐射或核污染;</b> \n</p>\n<p class=\"textIndent2\">\n\t<b>(十六)被保险人在中华人民共和国境外及港澳台地区住院治疗。 被保险人因上述第(一)项情形意外身故的,本公司向其他权利人退还本合同的未满期 净保费,本合同终止;被保险人因上述除第(一)项之外的其他情形意外身故的,本公司向 投保人退还本合同的未满期净保费,本合同终止。</b> \n</p>\n<p class=\"textIndent2\">\n\t<b>被保险人因上述情形意外伤残、发生医疗费用支出或进行住院治疗的,本公司不承担给付保险金的责任,本合同继续有效。</b> \n</p>","clauseAtta":"http://img.kunlunhealth.com.cn/","payChannel":"wx","payType":"0","ageRange":"28天以上-65岁","benefitLaw":[{"id":0,"value":"法定受益人"}],"payPeriod":null,"payPeriodUnit":"","isSplit":0,"insurantLimit":1,"status":1,"docNo":"昆仑健康[2018]意外伤害保险 054 号","suitRiskName":"个人综合意外伤害保险","isAllowReferee":2,"isPackageSell":0,"appntCertType":["0"],"insurantCertType":["0"],"beginSale":0,"endSale":0,"businessChannel":"09","packageInfo":[],"dutyInfo":null,"planDutyInfo":[{"id":133,"originPlanId":45,"planCode":"49","isMaster":1,"name":"个人综合意外伤害保险","vaildPeriod":0,"mainRiskCode":"A187","orginPlanCode":"A187","planType":0,"isRenewal":1,"maxAge":65,"minAge":0,"renewalPeriod":0,"renewalPeriodUnit":"","lockPeriod":0,"lockPeriodUnit":"","financingPeriod":"零","financingPeriodUnit":"","hesitationPeriod":0,"hesitationPeriodUnit":"","waitPeriod":0,"waitPeriodUnit":"","gracePeriod":0,"gracePeriodUnit":"","sexRange":[],"ageRange":[],"dutyPeriodRange":[{"id":1,"period":"12个月"}],"socialSecurity":[{"id":0,"socialSecurity":"无社保"},{"id":1,"socialSecurity":"有社保"}],"payPeriodRange":[{"id":1,"payPeriod":0,"payPeriodUnit":""}],"dutyDel":[{"id":94,"code":"103001","name":"意外伤残、身故保险金","remark":"<strong>意外伤残</strong><br/>\r\n因意外伤害导致伤残,按基本保险金额*伤残等级对应的比例赔付.\r\n<br/><strong>意外身故</strong><br/>\r\n因意外伤害导致身故,按基本保险金额扣除已给付的意外伤残保险金后的余额赔付。","dutyRange":[{"id":1,"value":"100000"},{"id":2,"value":"200000"}],"dutyInfo":"","isRequired":1,"isChoice":1,"isInput":0,"isRatio":0,"ratio":null,"incrStepValue":null},{"id":95,"code":"103002","name":"意外伤害医疗保险金","remark":"在扣除社会基本医疗保险补偿金额和100元免赔额后,对其余额部分按照100%的赔付比例给付。","dutyRange":null,"dutyInfo":"","isRequired":0,"isChoice":1,"isInput":0,"isRatio":1,"ratio":"10%","incrStepValue":"1000"},{"id":96,"code":"103003","name":"意外住院津贴保险金","remark":"每次住院,按照约定的意外住院日额乘以住院天数给付,累计给付天数给90日为限。","dutyRange":null,"dutyInfo":"","isRequired":0,"isChoice":1,"isInput":0,"isRatio":1,"ratio":"0.03%","incrStepValue":"10"}]}],"saleArea":[{"id":1,"parentCode":"100000","code":"110000","name":"北京市","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":2,"parentCode":"100000","code":"120000","name":"天津市","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":3,"parentCode":"100000","code":"130000","name":"河北省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":4,"parentCode":"100000","code":"140000","name":"山西省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":5,"parentCode":"100000","code":"150000","name":"内蒙古自治区","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":9,"parentCode":"100000","code":"310000","name":"上海市","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":10,"parentCode":"100000","code":"320000","name":"江苏省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":11,"parentCode":"100000","code":"330000","name":"浙江省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":12,"parentCode":"100000","code":"340000","name":"安徽省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":13,"parentCode":"100000","code":"350000","name":"福建省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":14,"parentCode":"100000","code":"360000","name":"江西省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":15,"parentCode":"100000","code":"370000","name":"山东省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":16,"parentCode":"100000","code":"410000","name":"河南省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":17,"parentCode":"100000","code":"420000","name":"湖北省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":18,"parentCode":"100000","code":"430000","name":"湖南省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":19,"parentCode":"100000","code":"440000","name":"广东省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":20,"parentCode":"100000","code":"450000","name":"广西壮族自治区","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":21,"parentCode":"100000","code":"460000","name":"海南省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":22,"parentCode":"100000","code":"500000","name":"重庆市","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":23,"parentCode":"100000","code":"510000","name":"四川省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":24,"parentCode":"100000","code":"520000","name":"贵州省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":25,"parentCode":"100000","code":"530000","name":"云南省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":27,"parentCode":"100000","code":"610000","name":"陕西省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":28,"parentCode":"100000","code":"620000","name":"甘肃省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":29,"parentCode":"100000","code":"630000","name":"青海省","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null},{"id":30,"parentCode":"100000","code":"640000","name":"宁夏回族自治区","ctime":0,"utime":0,"cby":"","uby":"","isDel":0,"children":null,"pcodes":null}],"intelUw":0,"needCredit":0,"insurantOnlySelf":0,"activityCode":null,"buyAuth":0,"appntHealthNotify":"","appntQuestVersion":"","gestateStatus":"","labelInfo":null}
意外伤残、身故保险金
意外伤害医疗保险金
意外住院津贴保险金
长期居住地区:
请选择被保险人年龄
保费试算:
50元
产品特色
基本信息
投保年龄
28天以上-65岁
缴费方式
自由选择
保险期限
12个月
等待期
无
投保案例
理赔流程
常见问题
-
问:抗击“新型冠状病毒感染”,昆仑健康保险理赔服务优化内容?
答:(1)7*24小时理赔在线服务
支持客户随时随地拨打4008118899服务热线或通过官方微信完成理赔报案;案件资料上传,线上即时受理;支持在线理赔进度查询。
(2)开通理赔绿色通道
对疑似或确诊疫情客户,昆仑健康将通过绿色通道快速处理,安排专人对客户理赔予以全程指导,提供住院押金垫付服务。
(3)针对疫情客户启动特案理赔规则
取消定点医院限制,取消医疗险等待期限制,简化理赔申请手续,简化医疗险理赔申请资料。
-
问:重点名词释义?
答:(1)医院:指国家各级卫生主管部门公布的感染新型冠状病毒的医疗救治定点医院。
(2)感染新型冠状病毒:新型冠状病毒是指世界卫生生组织(WHO)命名的“2019新型冠状病毒”(简称:2019-nCoV),感染新型冠状病毒需由国家卫生行政机关指定的医院或者国家正式卫生检疫机构确认。
-
问:保险费的支付方式?
答:本产品保费在线实时支付。
-
问:线上产品是否提供纸质保单?
答:所有在线投保产品都统一发送电子保单,保险公司向您出具的是电子保单,在投保成功即时发送到您的电子邮箱,电子保单具有同等法律效应,其效力等同于纸质保单。依据《中华人民共和国合同法》第十一条规定,数字电文是合同的合法展现形式,请您放心投保。
-
问:线上产品是否提供发票?
答:所有在线投保产品都统一发送电子发票。请拨打保险公司全国统一客服热线400-811-8899进行申请,系统在1周内发送电子发票获取短信到客户预留手机上,客户点击短信中链接地址可自行下载电子发票。
-
问:线上产品如何办理退保?
答:您可登陆保险公司官网,在个人中心注册,在我的资料中进行个人信息管理绑定(姓名、证件号码、昵称、手机号码、邮箱、联系地址)绑定后可在我的保障中查看到保单,点击申请退保即可。
-
问:线上产品如何进行保全变更?
答:请您登陆保险公司官网,在个人中心-我的保障-保全变更处自助进行办理,也可拨打保险公司全国统一客服热线400-811-8899进行变更申请,如进行简单变更:修改投保人/被保险人的联系方式、通讯地址、邮政编码、电子邮件等,不需额外提供其他材料。如进行其他复杂变更,拨打客服热线后会有专项人员联系您告知具体变更所需提供材料。
-
问:此产品如何进行理赔?
答:请您登陆保险公司官网,在个人中心-我的保障中申请理赔,或拨打保险公司全国统一客服热线400-811-8899进行报案,按照客服指引,快递相关理赔材料到保险公司的分公司即可获得理赔。地址为:北京市朝阳区建华南路6号院1号楼卓明大厦1层北京分公司业务管理部 邮编:100022。会有专人来受理、审核、下达理赔通知书。
-
问:如何进行保单验真?
答:为保证您的合法权益,您可拨打保险公司客服热线400-811-8899查询保单信息或验证保单;或登录保险公司官网http://www.zhengtusf.net/进行保单验真。
-
问:针对投保人有哪些安全保障措施?
答:目前保险公司互联网保险业务,均已采用加密传输协议(https)或证书方式进行信息加密传输,通过技术和管理手段,对涉及投保人的信息安全加以保障,保护用户个人信息安全。
信息披露
- 本产品的适用险种为:个人综合意外伤害保险
- 条款编码为:昆仑健康[2018]意外伤害保险 054 号
- 昆仑健康保险公司在北京、上海、广东、浙江、山东设有分公司
- 本产品在本公司设有分公司的区域销售
- 本保险产品销售主体为昆仑健康保险股份有限公司承保公司为昆仑健康保险北京分公司