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安行无忧境外旅游保障计划 Overseas Travel Protection Plan

本保险条款已于2013年12月向中国保监会备案

产品特色 Product Features

境外保障 全球服务  Tailored Overseas Travel Protection, Worldwide Assistance Service

保障全面 安行无忧  Comprehensive Coverage with high benefits

投保便捷 省心省力  Easy application without health check

保险利益 Insurance Benefits

境外旅行意外伤害保险(OTADB)

Overseas Travel Accidental Death & Disability B(OTADB)

一、意外伤害身故给付

Accidental death benefit

若被保险人在中国境外旅行时发生意外伤害事故,自该事故发生之日起180日内因该次事故致成身故,则本公司按本合同的保险金额给付意外伤害身故保险金,但若本合同已有意外伤害残疾保险金给付,则必须扣除所有已给付的意外伤害残疾保险金,本合同效力终止。

During the term of the contract, in the event the insured dies as a result of an accident while traveling overseas and within 180 days from accident occurred, our company will pay the agreed benefit. If accidental dismemberment and loss of function benefit has been paid, this amount will be deducted and contract will be terminated.


二、意外伤害残疾给付

Accidental dismemberment and loss of function benefit

若被保险人在中国境外旅行时发生意外伤害事故,自该事故发生之日起180日内因该次事故致成《人身保险伤残评定标准》(中保协发[2013]88号)中所列伤残程度等级之一,则本公司以本合同的保险金额为基数,按该伤残程度等级对应的保险金给付比例给付意外伤害残疾保险金。

During the term of the contract, in the event the insured sustains disability relating to the notice “Disability Degree and Proportion of Payment of Insurance Proceeds in Personal Insurance” (No. 88 [2013] of the China Insurance Regulatory Commission) as a result of an accident while traveling overseas and within 180 days from accident occurred, our company will pay the agreed benefit.

 

附加境外紧急救援医疗保险(OTAHR)

Overseas Travel Accident Hospital Reimbursement Rider(OTAHR)

住院安排及治疗 Arrangement for hospitalization and treatment

转院治疗 Medical Evacuation

转运回国 Repatriation to the P.R. of China

安排子女回国 Return of children

遗体处理 Mortal remains handling benefit

 

附加境外紧急门诊医疗保险(OTAOP)

Overseas Travel Accident Out-patient Rider (OTAOP)  

在本附加合同有效期间内,被保险人在中国境外旅行遭受意外伤害或患突发急性病时,本公司通过救援机构的授权医生向被保险人提供医疗咨询,在确认被保险人需要紧急门诊治疗后,被保险人按照救援机构所建议的治疗方案进行治疗,本公司对其紧急门诊治疗发生的合理且必要的医疗费用,在扣除800元人民币后给付保险金,但最高以保险单上所载的保险金额为限。

While the Rider is in force, if the insured suffers any accidental injury or acute disease when traveling overseas, and after it is confirmed that the insured needs any emergency out-patient treatment and the insured takes the medical treatment according to the Assistance Institution's advice, Our company will pay the reasonable and necessary out-patient expenses after deducting 800 RMB, but subject to the maximum amount of the Sum Assured. 

 

完整的保险利益请参阅产品条款

Please refer to the Clauses for details.

保障计划及费率 Protection Plan and Premium Table

全球计划
Worldwide Plan
计划一
Plan 1
计划二
Plan 2
计划三
Plan 3
计划四
Plan 4
计划五
Plan 5
计划十一
Plan 11
意外身故残疾
Accidental Death & Disability
20万
40万
60万
100万
10万
5万
紧急救援及医疗
Emergency Assistance & Medical
30万
30万
60万
60万
30万
30万
紧急门诊医疗
Medical
Emergency Outpatient
\
8000元
\
8000元
\
\
保险期间
Insurance period
保险费(元,RMB)
Premium(RMB)
4天Days
136
322
258
480
123
111.5
5-30天每天增加
For each additional day from 5 days to 30 days
11
26
21
39
10
9
31-90天每天增加
For each additional day from 31 days to 90 days
6.6
15.2
11.8
22
6.2
5.6
一年多次旅行
One year
1500
3250
2750
5000
1300
1150

 

东南亚计划
South East Asia Plan
计划六
Plan 6
计划七
Plan 7
计划八
Plan 8
计划九
Plan 9
计划十
Plan 10
计划十二
Plan 12
意外身故残疾
Accidental Death & Disability
20万
40万
60万
100万
10万
5万
紧急救援及医疗
Emergency Assistance & Medical
15万
15万
30万
30万
15万
15万
紧急门诊医疗
Medical
Emergency Outpatient
\
8000元
\
8000元
\
\
保险期间
Insurance period
保险费(元,RMB)
Premium(RMB)
4天Days
86
247
183
380
73
61.5
5-30天每天增加
For each additional day from 5 days to 30 days
7
20
15
31
6
5
31-90天每天增加
For each additional day from 31 days to 90 days
4.6
13.2
8.8
19
4.2
3.6
一年多次旅行
one year
1000
2500
2250
4250
800
650
 

注: Notes:

1、计划五或计划十或计划十一或计划十二仅限于18周岁以下未成年人投保。

Plan5,10,11 or 12 are only applicable for minors.

2、60周岁以上者仅能投保计划一、计划二、计划六或计划七。

Insured above age 60 can only apply for one of the following plans: plan 1,2,6 or 7 .

3、东南亚计划只承担以下10个东南亚国家范围内的保险责任:越南、老挝、柬埔寨、缅甸、泰国、马来西亚、新加坡、印度尼西亚(以下简称印尼)、菲律宾和文莱。

South East Asia Plans only cover the following countries: Vietnam, Laos, Cambodia, Burma, Thailand, Malaysia, Singapore, Indonesia, Philippine and Brunei.

 

拒保国家和地区 The Countries and Territories where Assistance is not available

以下国家作拒保处理:

亚洲:阿富汗,伊拉克,科科斯群岛,东帝汶,英属印度洋领地,以色列,黎巴嫩,伊朗,巴勒斯坦,斯里兰卡;

非洲:厄立特里亚, 卢旺达,索马里,西撒哈拉,圣赫勒拿岛,安哥拉;

大洋洲:美属萨摩亚群岛,布维岛,圣诞岛,法属太平洋领地, 赫德岛和麦克唐纳群岛,基里巴斯,马歇尔群岛,麦克罗尼西亚,瑙鲁,尼乌亚岛,巴伯儿图阿普群岛,皮特肯群岛,所罗门群岛,南乔治亚和南桑威治,托客劳群岛,汤加,图瓦卢,美国本土外小岛屿,瓦努阿图,沃利斯和富纳群岛;

美洲:海地;

南极洲:南极洲。

Following counties are not included in the insurance coverage:

In Asia: Afghanistan, Iraq, Cocos Islands, East Timor, and British Indian Ocean Territories, Israel, Lebanon, Iran, Palestine, Sri Lanka

In Africa: Eritrea, Rwanda, Somalia, Western Sahara, Saint Helena, Angola

In the Pacific Rim: American Samoa, Bouvet Island, Christmas Island, French Southern    Territories, Heard and McDonald, Kiribati, Marshall Islands, Micronesia, Nauru, Niue, Palau, Pitcairn, Solomon Islands, South Georgia and South Sandwich, Tokelau, Tonga, Tuvalu, US Minor outlying islands, Vanuatu, Wallis and Futuna.

In America: Haiti

Antarctica: Antarctica

 

SOS全球紧急求援服务指南

Guidelines On International Medical Assistance Provided by SOS

SOS提供的全球医疗支援服务包含:包含24小时电话医生、推荐医疗服务提供机构、安排预约当地医生看诊、安排入院许可、安排紧急药品递送服务、协助办理住院手续、协助安排住院期间发生的医疗费用的担保以及医疗状况的监控、安排紧急医疗转运、安排紧急医疗转送回国,遗体运送安排、安排亲友前往探视、安排未成年人返回。

The International Medical Assistance provided by SOS includes the following: 24 hour provision of medical advice over the telephone, medical service provider referral, arrangement of appointment with doctors, arrangement of hospital admission, delivery of essential medicine, arrangement of hospitalization procedure, guarantee of medical expenses & monitoring of medical condition during hospitalization, arrangement of emergency medical evacuation, arrangement of emergency medical repatriation, arrangement of transportation of mortal remains, arrangement of compassionate visit, arrangement of return of minors.

本计划的被保险人还可以享受SOS提供的全球旅行支援服务:包含行前接种和签证信息的咨询、在线电话翻译和翻译机构推荐、行李丢失援助、护照丢失援助、推荐法律服务机构、紧急现金支援服务、紧急旅行服务援助、安排保释保证书、介绍大使馆、紧急口讯传递。若该支援服务发生需向SOS外第三方支付的费用,则由使用者自己承担.

The Insured also enjoys the International Travel Assistance provided by SOS, including inoculation and visa requirement information, emergency short interpreting assistance, lost luggage assistance, lost passport assistance, legal referral, cash advances for travel emergencies, emergency travel service assistance, arrangement of bail bond, embassy referral, emergency message transmission assistance. If the above services incur third party payment expenses, they are payable by the user.

 

责任免除事项提示  Introduction of General Exclusion

投保人、受益人对于被保险人的故意行为

Any intentional act to the insured by the policyowner or beneficiary

被保险人自杀或其他故意自致的伤害

Suicide or other self-inflicted injury

被保险人因酗酒或受酒精、毒品、管制药物的影响,或未遵医嘱,私自服用、涂用或注射药物所致者

Participation in high risk sports, such as diving, parachuting, climbing, exploration, martial arts, wrestling, stunt performance, horseracing, car and bicycle racing, flying, etc.

被保险人在其投保时所填写的目的地以外或在其国籍所在地期间发生的意外事故

Accidents occurring outside of the intended destination as specified on the application or within the insured's state of residence.

……

完整的责任免除事项内容请参阅产品服务手册责任免除条款,并以条款为准。

Please refer to the policy wording for detail exclusions.

 

(本简介仅供参考,详细内容以保险条款为准)