光大永明永宁福顺个人意外伤害保险(B款)

分给付保险金。

　　八、 意外伤害每日住院给付保险金

　　被保险人于本合同有效期内，遭受意外事故需入住本公司认可的医疗机构治疗的，我们按保险合同中载明的每日住院给付保险金额并按扣除三天后的实际住院天数向被保险人给付保险金。被保险人每日住院保险金的累计给付天数以一百八十天为限。被保险人一次住院治疗跨两个保险单年度时，我们给付每日住院保险金同样以累计一百八十天为限。被保险人在三天之内因同一原因重新住院的，视为同一次住院。

　　因意外事故、轨道交通意外事故、轮船交通意外事故、营运汽车交通意外事故、自驾车交通意外事故导致保险事故的，其事故发生地点必须在中华人民共和国大陆地区(不包括香港、澳门特别行政区以及台湾地区)，我们才承担相应保险责任。但航空意外事故导致的保险事故不受此限制。对于上述意外身故保险金、航空意外身故保险金、轨道交通意外身故保险金、轮船交通意外身故保险金、营运汽车交通意外身故保险金、自驾车交通意外身故保险金，我们仅以给付其中一项为限。　　

　　光大永明人寿保险有限公司

　　光大永明永宁福顺个人意外伤害保险(B款)

　　感谢您选择了光大永明人寿。为了帮助您更好地理解本条款，在阅读本条款前，请您注意阅读提示和说明。

　　阅读提示

　　您所享有的重要权益

　　本合同所提供的保障················································································································ 第 六 条

　　您应当特别注意的事项

在某些情况下，我们不承担保险责任···················································································· 第 七 条 发生保险事故后，您应该及时通知我们················································································ 第 九 条 如何申请给付保险金················································································································ 第 十 条 您有解除合同的权利，请您慎重决定···················································································· 第 十 三 条 名词释义··································································································································· 第 二 十 条