![](data:image/png;base64,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)
医药费用补偿金 = 已在医院内支出的、必需且合理的实际医药费用 – 任何获得的医
药费用补偿(包括被保险人已收到的医药费用补偿或应收到的医药费用补偿,二者以较
高者为准)
3. 上述“任何获得的医药费用补偿”包括从公费医疗、社会基本医疗保险、其他费用
补偿型医疗保险、其他政府机构或社会福利机构等所取得的医药费用补偿。
4. 本公司按上述规定赔付被保险人于境内发生的上述医药费用为保险单上所载本附加
合同项下的保险金额的一部分,而非增加该保险金额。
三、在本附加合同项下,实际医药费用以当地政府核准的收费标准为限,范围包括医生诊断、
处方、手术费、救护车费、住院费、药费、X 光检查、护理、医疗用品等费用。
四、若被保险人可从其他社会福利机构或任何其他第三方、或依任何医疗保险取得补偿,
则无论该补偿是否已经获得, 本公司仅给付剩余的部分。
五、本公司在赔偿上述医药费用时,适用保险单所载之免赔额(如有),本公司将在扣除
免赔额后承担赔偿责任。
第四条 责任免除
除主合同条款第五章第十三条“责任免除”项下第(22)、(23)项外,主合同项下所有
其他责任免除条款均适用于本附加合同,若主合同中责任免除条款与本条款有相抵触之处,
则应以本条款为准。
任何直接或间接由于下列情形引起的,与之有关的,或可归因于之的医药费用,本公司不
负任何赔偿责任:
(1)非因意外事故而进行的牙科治疗、牙科手术、牙齿修复、植种或牙齿整形;对非自然
牙进行的任何治疗。
(2)非因意外事故而进行的视力矫正或因矫正视力而作的眼科验光检查;屈光不正。
(3)美容手术、外科整形手术或者任何非必要的手术。
(4)脊椎病。
(5)先天性疾病和先天性畸形。
(6)受保前已存在的疾病及其并发症。
(7)精神疾病、错乱、失常;受酒精、毒品、管制药物影响或滥用、误用药物。
(8)妊娠、流产、分娩、不孕不育症、避孕及绝育手术;性传播疾病。
(9)一般身体检查、疗养、特别护理或静养、康复性治疗或心理治疗。
(10)药物过敏或其他医疗导致的伤害。
(11)扁桃腺、腺样体肥大、疝气、女性生殖器官疾病的治疗与外科手术。