19.保险合同变更Changestothispolicy-Expatmedicare.docVIP

招商信诺寰球至尊高端个人医疗保险（B款）条款阅读指引The Reading Guide to CIGNACMC Individual Private Medical Insurance (B) Provision 本阅读指引帮助您理解条款，若与条款冲突，以条款为准。This guide intends to help you better understand the following policy provision. In the case of any conflicts with the policy provision, the policy provision should always be valid and binding. 您所拥有的重要权益 Highlight of Your Rights 本保险合同的被保险人为常住国为中国大陆的外籍常住者。本保险合同不承保被保险人在其国籍国发生的任何医疗费用（例如，德国籍被保险人在德国发生的医疗费用不在本合同保障范围内），除非该医疗费用属于条款15所列的情况。Beneficiaries under this policy shall be foreign nationals whose country of habitual residence is Mainland China. This policy does not provide any cover for the cost of treatment in a country of which a beneficiary is a national at the time of treatment (for example, the cover does not cover the costs of a German national obtaining any treatment in Germany) except in limited circumstances stated in Article 15. 若本保险合同不符合您的需求或期望，您可以在收到保险合同并书面签收之日起10天内联系我方解除本保险合同。如果尚未发生理赔、付款担保或付款预授权，我方将无息全额退还您方已交纳的全部保险费。粗体词汇的理解请见释义。If the policy does not meet your needs, or has not been issued in accordance with your intention, you may ask us to cancel it within ten (10) days upon your receipt of your certificate of insurance. If no claims have been made, and no guarantees of payment or prior approvals have been put in place, we will refund any premium which has been paid and without accrued interest. Words and phrases in bold have the meanings given to them in ’Definitions’. 被保险人可以享受本保险合同提供的保障。Beneficiaries are covered by the benefits on the policy. 您应特别注意的事项 Matters for attention 请您注意理解各项保险责任的保障内容，相应选择您的保障计划。Please make sure you know all benefits, and decide your insurance coverage accordingly. 请您留意关于保险金给付限额和条件的条款。Please pay attention to the provisions about the limits and conditions of cover. 请您留意责任免除条款，尤其是已加下划线的免除或限制我方责任的条款。Please pay attention to the provisions about exclusions, especially those having been underlined. 请您留意保险合同中关于保险期间及合同效力终止的条款。Please pay attention to the provisions about period of cover and poli