![](data:image/png;base64,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)
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(23)、(24)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,或可归因于之的被保险人住院,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)任何原因导致的推拿、按摩及针灸治疗。
(11)药物过敏或其他医疗导致的伤害。
(12)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。
(13)根据被保险人的主治医生的意见,可以被合理延迟至被保险人返回境内后进行而被
保险人坚持在境外进行的治疗或手术。
(14)未能取得医院或医生证明。
(15)被保险人旅行的目的之一是为了进行治疗或该旅行违背医嘱。
第五条 证明文件/索赔申请
被保险人向本公司索赔时,应提供以下证明和资料原件作为索赔单证,连同保险合同及本公
司规定的索赔申请表格在出院之日起的三十天内递交本公司:
(1)完整的门、急诊病历卡;
(2)出院小结;
(3)住院医疗正式收据;
(4)被保险人所能提供的与本项申请相关的其他材料。