General Clause 一般性条款
I. The composition of insurance contract 保险合同的构成
II. The Insured 被保险人
III.
IV. Insurance Benefit Type Select 保险收益类型的选择
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General Clause 一般性条款
I. The composition of insurance contract 保险合同的构成
II. The Insured 被保险人
III.
IV. Insurance Benefit Type Select 保险收益类型的选择
V. General Exclusion 一般性免责
VI.
VII. Honest Disclosure 善意披露信息
VIII.
IX.
X. Termination of contract 合同终止
XI.
XII. Definition 定义
XIII.
Insurance Liability Clause 保险责任条款
Ⅰ．Accident Death and Dismemberment Insurance 意外死亡和短肢保险
Ⅱ．Medical Reimbursement 医疗赔偿
Ⅲ．Emergency Assistance Service Insurance 紧急援助服务保险
General Clause 一般性条款
I. The composition of insurance contract 保险合同的构成
The
II. The Insured 被保险人
Resident in China, healthy, aged from 1 to 75, join in overseas travel group organized by travel agency, or carrying individual tour visa go aboard can be the insured.
Resident of the China who carrying working permission, studying visa or compassionate visa go aboard to working, studying or visiting can be the insured.
III.
The effective period of the policy shall be in accordance with the period as specified in the policy. The policy takes effect from the zero hour of the effective date that is specified in the policy after the policy holder pays the premium as agreed. The insurer shall bear corresponding insurance liabilities after the policy takes effect.
IV. Insurance Benefit Type Select 保险收益类型的选择
The insurer provide three type of benefit to insured:
(1) Global;
(2) Global (exclusion U.S. and Canada);
(3) Asia area (exclusion Japan).
V. General Exclusion 一般性免责
The insurer shall not be liable for any event caused in following cases:
1．Exploration or other highly risk activities (If the activities have been registered with civil service is exclusion, which include shikar, skiing, drifting, bungee jumping, parachute jump, gliding, horse racing, car racing.);
2．The fraud acts of the Policyholder, the Insured or the Beneficiary;
3．The intentional acts of the Policyholder, the Insured or the Beneficiary;
4．The insured suicide, self-inflicted injury, fighting, committing crimes, arrest resistance, and during the period the
5．Driving without a license, or driving a vehicle without a valid certificate;
6．Costs of accident or illness caused by mental illness or unconsciousness, if this is a result of the consumption of alcohol, drugs, intoxicants or sedatives, sleeping tablets or other narcotic substances;
7．Phrenitis or anoia;
8．Miscarriage（but it caused by accidental injure is exclusion）, childbearing, abortion, medical treatment accident, and accident caused by acceptance or self diagnosis and treatment;
9．Any expense related to the medical treatment or health care which is not recognized by local government;
10．Any expense related to cosmetic surgery;
11．Any expense for obtaining transplanting organs or the donation for transplanting organs;
12．Any psychiatric or psychological treatment;
13．Routine or long-term dialysis for chronic or advanced stage of renal failure;
14．Sexually transmited disease, pregnancy, inherited or congenital disease;
15．Chemical contamination, terrorism or heresy activity;
16．War, military action, civil war, armed rebellion;
17．Nuclear explosion, nuclear radiation or nuclear pollution;
18．Injured, died or diseased direct or indirect caused of asbestos;
19．Any expense caused by strike, SRCC or nuclear energy.
VI.
1．The sum insured shall be mutually agreed upon and fixed by the policy holder and the insurer, and shall be specified in the policy.
2．The premium is based on the sum insured and premium rate, and specified in the policy, The insured shall pay the total premium the Company at one time.
VII. Honest Disclosure 善意披露信息
During the process of establishment of the policy, the insurer shall explain to the policy holder the insurance content, especially the exclusion content, and raise questions concerning the policy holder and the insured. The policy holder and the insured are obligated to make honest disclosure.
If the policy holder does not fulfill the obligation of the honest disclosure intentionally, the insurer shall not bear the liability for the insured accident happened before the termination of the policy and shall not refund the premium paid.
If the policy holder does not fulfill the obligation of the honest disclosure due to negligence, which has a serious influence on the occurrence of the insured event, the insurer shall not bear the liability for the insured accident happened before the termination of the policy, but shall refund the premium after deducting the administration fee.
VIII.
The policy holder or the insured shall contact with assistant organization urgent call-center when insurance event happened; otherwise, the policy holder or the insured shall bear the additional expenses of investigation, test or other expenses that are incurred as a result of the delay. If the delay causes the inability of validating the nature, the reason, the degree of damage of the insured event, the insurer shall not be liable for the liabilities that cannot be validated, except if the delay is caused by irresistible force.
IX.
1．The insured or applicant shall submit the necessary documents and materials to the insured required by the liability terms and conditions when applying for payment of benefits.
2．After receiving the application of the benefit and the other relative documents and materials from the applicant, the insurer shall make payment of those benefits that are within the scope of insurance within 10 days from the date that the claim decision has been made. The applicant shall be notified in time of those liabilities confirmed not within the scope of insurance.
3．If the insured survived after declare of death, the beneficiary must returned to the company in the 30 days when he knows it.
X. Termination of contract 合同终止
The insured may apply for termination of the policy in writing if no insured event has not taken place during the period of Insurance. The policy shall terminate on the day the insurer receives the written application.
The insured shall not accept the termination application of the policy if an insured accident has taken place.
1．Application of terminate policy
2．The insurance policy
3．The identification certificate of the policy holder;
4．Covering warrant of insurance premium
5．Other documents and materials is required by the insurer.
When insurer received the application of termination the policy terminated immediately. For annual travel policy, if the date insured apply for termination exceeding 10 days after policy effect, the insurer shall refund the unearned premium for the remaining period after the administration fee is deducted, or refund the sum of premium.
XI.