Maintain Your Business

Integrated Benefits
No.	Item		Coverage
1	Life Insurance	A	Claims are to be settled in line with Life insurance regulations of the People's Bank of China; RMB 1,000,000 indemnity for accidental death; RMB 200,000 indemnity for death out of illness; RMB 1,000,000 indemnity for death out of traffic accident;Accidental disability shall be compensated up to RMB RMB 1,000,000 based on the degree of disability; The upper limit of accidental medical claims is RMB 1,000,000.
2	Medical Insurance	A	Outpatient, emergency, and hospitalization expenses are covered by medical insurance, with the individual responsible for paying 100% of the insured amount of RMB 20,000(excluding 30 major diseases). Both with and without medical insurance will be paid 100%, with no deductible
		A	Within the scope of maternity insurance, 100% of the expenses for prenatal check ups and childbirth exceeding the maternity medical quota subsidy will be paid, with no limit on the payment (as a gift)
3	Additional Medical Insurance	B	Employees who have not participated in local urban insurance or maternity insurance will receive 100% of the overall payment for outpatient and inpatient services, based on the coverage available to local insured individuals (30 major disease claims must have selected major disease protection projects)
4	Serious Illness	B	Individuals who suffer from 30 major illnesses for the first time after enrollment will receive 100% of the self funded portion without any limit, and will receive a subsidy of RMB 10,000 ; For those who die from metastatic malignant tumors, an additional subsidy of RMB 10,000 can be paid.
5	Hospitalization Subsidy	B	Subsidy of RMB150 per day up to 180 days within one year of contract.
6	Child Insurance	B	Reimbursement covers expenses that fall within MMI: 50% outpatient and hospitalization reimbursement  for the child  with no ceiling. Nursery fee reimbursement as per state regulations.