China Life can't reimburse the outpatient expenses and medical expenses caused by illness. Outpatient and hospitalization expenses caused by accidental injuries can be reimbursed in proportion, and expenses incurred by hospitalization due to illness can also be reimbursed in proportion (hospitalization can only be reimbursed in proportion after 90 days observation period from the date of insurance). Those with social security can also enjoy the daily hospitalization quota payment, that is, hospitalization allowance.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.