1. Indemnity claiming will be very smooth if the medical treatment was taken in the public hospitals, so you are highly recommended to go to the public hospitals for medical care according to the insurance policies.

2. Exclusions

For treatment of some diseases, the insured can not claim the indemnity. Such diseases are as follows: chronic disease, injury caused in fighting, disease caused by insobriety or taking drugs, sexually transmitted disease, AIDs, inherited or congenital disease, schizophrenia or its complicating disease. Exclusion is also applied to orthopedic treatments, cosmetic surgery, body-building treatments… for more details please refer to the comprehensive service manual of Insurance, which is available in Student Affairs Office.

3. Usually the insurance, which is mainly for residential treatments, has some restrictions on out-patient emergency treatments. The insurance would only cover the treatments of shock, coma, emergency bleeding, brain trauma, fracture, dislocation, avulsion, burn or other acute trauma caused by accidents.

4. For the sake of 100% indemnity, the medicines prescribed by the doctor should be on the list of the Basic Medical Insurance Medicines of Nanjing. And the medicine receipts for medicines bought in a drug store can not be used to claim the indemnity.

5. The insured should claim the indemnity within 3 months after the medical care, or it will be considered as giving up the right of claiming the indemnity.

6. The information of the case condition, inspection, treatment, medicine and dosage should be contained in the clinical case; the date of receiving the treatment in the clinical case should be as same as that on the receipt.