北大方正人寿附加如意出行交通意外伤害医疗保险

　　北大方正人寿附加如意出行交通意外伤害医疗保险

　　适用年龄：18周岁至65周岁

　　产品险种：医疗保险

　　意外保障 交通意外医疗

　　在本附加合同的有效保险期间内，我们将承担下列保险责任：

　　交通意外医疗保险金

　　被保险人以乘客身份乘坐商业营运的飞机、火车、出租车、轮船、公共汽车，或被保险人乘坐或驾驶私家车期间遭受意外伤害事故，并在该意外伤害事故发生之日起一百八十日内，到医院进行必要的门急诊、住院治疗，我们将按照实际支出的医疗费用在扣除约定的免赔额后按约定的比例给付交通意外医疗保险金，但在每一保单年度内，累积给付的交通意外医疗保险金以本附加合同的基本保险金额为限。本附加合同的免赔额和赔付比例由您在投保时与我们约定并在保险单或批注上载明。

　　实际支出的医疗费用必须符合被保险人接受门急诊或住院治疗所在地当地政府社会劳保医疗及城镇职工基本医疗保险报销范围的规定，并且扣除被保险人由政府、公司、单位、其 他社会福利机构或其它医疗保险计划已支付的款额。

　　

　　第一部分 ·····您（投保人）与我们（北大方正人寿保险有限公司）的合同 ······················2

　　第一条 合同的构成 ······················································································2

　　第二条 投保范围 ·························································································2

　　第三条 保险期间 ·························································································2

　　第四条 保险责任的开始 ················································································2

第二部分 ·····我们提供的保障 ················································································2