![1. Insurance age: 1-80 years old 2. Insurance area: overseas 3. Sales area: nationwide 4. Single trip: up to 182 days [Product Liability] During the insurance liability period, if the insurance liability period is insured, the start time of the insurance liability of the company - DayDayNews](https://cdn-dd.lujuba.top/img/loading.gif)
[Insurance Rules]
1. Insured age: 1-80 years old
2. Protection area: overseas
3. Sales area: nationwide (excluding Hong Kong, Macao and Taiwan)
4. Single trip: up to 182 days
[Product Liability]
Insurance Liability Period
If you have an insurance policy, the start time of insurance liability for each insured person shall prevail:
(1) The effective date contained in the insurance policy;
(2) The insured person leaves his or her daily residence or daily work place within the country for the validity period of this contract and goes directly to the overseas travel destination. The time for termination of the insurance liability is the first time in the following situations:
(1) The expiration date of the insurance period contained in the insurance policy;
(2) The insured person returns directly to his or her daily residence or her daily work place after completing the trip, but if the insured person does not directly return to his or her daily residence or her daily work place directly for transfer and stays in other places within the country without direct return to his or her daily residence or her daily work place due to the transfer, the insured person arrives at the temporary stay;
(3) The expiration date of the maximum coverage period for the trip stipulated in this contract (the maximum coverage period for the trip shall be calculated from the departure time of the trip mentioned above, including the start date and the end date).
If the insurance period is one year, the start time of the insurance liability of the Company to each insured person shall prevail the latest time of the following situations:
(1) The effective date contained in the insurance policy;
(2) During the validity period of this contract, any insured person will leave his or her daily residence or daily workplace and go directly to his or her overseas travel destination every time.
The time for termination of the insurance liability shall prevail in the following situations:
(1) The insured person returns directly to his or her daily residence or her daily work place after completing the trip, but if the insured person does not directly return to his or her daily residence or her daily work place directly for transfer reasons and temporarily stays in other places within the country, it is the insured person who arrives at the temporary stay;
(2) The expiration date of each trip stipulated in this contract (the maximum coverage period for each trip shall be calculated from the departure time of the aforementioned trip, including the start date and the end date);
(3) The expiration date of the insurance period stated in the insurance policy.
1, accidental death, disability
2, double accidental death, disability
During the validity period of this additional contract, if any insured encounters an accident agreed in the main contract while riding public transportation as a passenger (excluding the insured himself as a driver, operator or crew member of the public transportation) during the travel period, double compensation will be paid.
Except for minors
3, Death of Acute Disease
During the validity period of this additional contract, if any insured suddenly develops an acute disease during his travel period and causes his death with the acute disease as a direct and individual cause within seven days from the date of onset of illness, the Company will pay the acute disease death insurance to the insured's death insurance beneficiary of the insured according to the corresponding insurance amount of the insured under this additional contract contained in the insurance policy.
4, Medical compensation
Overseas: 0 deductible, 100% payment;
If the overseas transfer back to the country and needs to continue treatment:
1), if there is partial reimbursement of social security or other channels, this product will be 0 deductible, 100% payment, and the upper limit will be 15% of the original medical compensation coverage;
2), if there is no social security or other channels, this product will be 0 deductible, 100% payment, and the upper limit will be 10% of the original medical compensation coverage.
Note: 10% and 15% are within the original insurance coverage, not extra.
5. Emergency medical transportation, return
During the validity period of this additional contract, if any insured suffers from an accident or suffers from a disease stipulated in the main contract during the travel period,
1), if the support service agency designated by the Company or its authorized representative is determined to be necessary for transportation from a medical perspective, the insured shall be sent to the local or other hospitals that meet the treatment conditions in the nearby area;
2), if the support service agency designated by the Company or its authorized representative is determined to be necessary for return from a medical perspective, the insured shall be sent to the address contained in his legal and valid certificate.
3), the support service agency designated by the Company or its authorized representative has the right to decide on the means of transportation and return and the destination of transportation based on the physical condition or treatment needs of the insured person, and refer to the doctor's advice. The means of transport and return include the equipment of professional doctors, nurses and necessary means of transport, which may include air ambulances, ambulances, ordinary civil flights, trains or other suitable means of transport.
Shipping and return fees include the costs of transportation, medical care and medical equipment and supplies arranged by the company's designated support service agencies or their authorized representatives. The fees required for transportation and return are directly paid to the support service agency designated by the Company after verification and confirmation by the Company. The maximum total fee is limited to the corresponding insurance amount of the insured person under this additional contract stated in the insurance policy.
6, the deceased body is transported and returned to
0 The total maximum payment amount of the body repaid and funeral insurance money under this additional contract is limited to the corresponding insurance amount of the insured person under this additional contract stated in the insurance policy.
(1) Body return insurance
During the validity period of this additional contract, if any insured suffers an accident or suffers from illness as stipulated in the main contract during the travel period, and causes the insured to die within thirty days due to this direct and individual reason, the support service agency designated by the Company or its authorized representative shall arrange the preservation or cremation of the body according to the actual local conditions, and the body or ashes of the insured are returned to the place of residence contained in the insured's legal and valid certificate. The fees required for the delivery and return of the body include materials and service fees such as corpse anti-corrosion, storage, cremation, transportation and urns. After verification and confirmation by the company, they are directly paid to the support service agency designated by the company. The maximum total amount of fees is limited to the corresponding insurance amount of the insured under this additional contract contained in the insurance policy. If the actual expense exceeds the insurance amount, the excess expenses shall be paid by the beneficiary of the death insurance or the heir of the insured.
(2) Funeral Insurance
During the validity period of this additional contract, if any insured suffers an accident or suffers from illness as stipulated in the main contract during the travel period, and causes the insured to die within thirty days due to this direct and individual reason, the Company shall pay the funeral insurance to the heirs or the beneficiaries of the death of the insured according to the funeral expenses of the insured person that have been actually spent. The maximum payment amount shall be limited to the corresponding funeral insurance amount of the insured person under this additional contract stated in the insurance policy.
7, Personal Property
During the validity period of this additional contract, if any insured person suffers losses or accidental damage to the insured's personal property (including luggage, personal items in the luggage and items carried by you) due to any third party theft, robbery, attempted theft during the trip, or due to the liability of the carrier or any other service provider (including but not limited to hotels, hotels, restaurants, the same below), and this personal property is legally owned by the insured person, the company will decide to compensate in any of the following ways after deducting the deductible (if any), but the compensation will be limited to the corresponding insurance amount of the insured person under this additional contract contained in the insurance policy:
1). When partial loss or damage occurs in the carry-on property, the Company will compensate for the repair costs of the damaged carry-on property;
2). When the carry-on property is damaged or damaged and cannot be repaired in a more economical manner, the Company has the right to compensate or replace the damaged carry-on property with a replacement product calculated based on the following formula, but it is limited to the actual cash value of the damaged carry-on property when the insurance accident occurs.
Actual cash value = Reset fee × (1 – Monthly depreciation rate × Number of months of purchase when a person’s property is lost) Note: If it is less than one month, it will be deemed to be one month.
After the Company has replaced the damaged personal property or paid the full insurance amount of the personal property, the Company will obtain all or part of the rights of the damaged property in accordance with relevant laws.
The whole pair or set of items under this additional contract shall be regarded as a single item, and the corresponding "compensation limit for each item or set of items" under this additional contract contained in the insurance policy shall apply.
"Perfect Plan" package can include electronic product liability, and other packages do not include.
8, Personal property
During the validity period of this additional contract, if any insured loses cash, traveler's check or bill of exchange (hereinafter referred to as "money") during the following circumstances during the travel period, the company will deduct the deductible amount (if any) of the deductible amount, The insurance policy states the insurance policy that the insured person is the corresponding insurance amount under this additional contract shall be compensated for the insured person:
(1) The insured person deposits it in the hotel or hotel where he is registered. The money in the locked safe provided by the hotel or hotel is stolen and a written proof of the loss of the hotel or hotel management department is obtained;
(2) The money carried by the insured person is stolen or robbed, and the report is reported to the local police within 24 hours after theft or robbery occurs, and a written police report is obtained.
9, Hospitalization allowance
200 yuan/day, hospitalization including disease, accidental hospitalization
is only available for "Perfect Plan" package
10, travel document lost
0 During the validity period of this additional contract, if the insured loses a passport, travel bill or other travel document due to robbery or theft during the travel period, after deducting the deductible (if any), the company will compensate the insured with the corresponding insurance amount of the insured under this additional contract under the insurance policy as limited to the following expenses:
1). The cost of the passport, travel notes and other travel documents that the insured must reset to complete the trip;
2). The reasonable and necessary air ticket change fees and additional travel expenses that the insured in order to reset his passport, travel notes and other travel documents;
3). If the insured needs to change the booking itinerary due to the above-mentioned underwriting accident, the insured will be compensated for the travel advance fee that the insured has not actually used and is non-refundable.
11, Travel Delay
During the validity period of this additional contract, if any insured person originally planned to take the public transportation that the insured originally planned to take due to any external reasons (including but not limited to severe weather, natural disasters, mechanical failures, strikes, hijacking or slacking off during the trip, other temporary protests, terrorist activities, air control or oversale of airline tickets) during the trip, and the delay time reaches the time contained in the insurance policy, the Company shall compensate the insured person based on the corresponding insurance amount of the insured person under this additional contract stated in the insurance policy. The delay time is calculated if the following two are longer:
1) It starts from the original scheduled departure time of the originally planned public transportation to take until the departure time of the earliest convenient alternative public transportation;
2) It starts from the original scheduled arrival time of the originally planned public transportation to take until the insured arrives at the original planned destination by taking the alternative public transportation.
300 every 5 hours, and the additional money can be changed to 300 every 3 hours.
12, luggage delay
During the validity period of this additional contract, if any insured arrives at a predetermined destination outside the municipal administrative area where his daily residence or daily work is located by public transportation during his travel period, the luggage kept and checked with the public transportation carrier will not be delivered within the time contained in the insurance policy, the Company shall compensate the insured based on the corresponding insurance amount of the insured under this additional contract stated in the insurance policy.
13, Travel Change
During the validity period of this additional contract, if any insured needs to change the scheduled itinerary due to the following circumstances:
(1) The insured's immediate relative died or suffered serious physical injury and needs to be hospitalized for treatment;
(2) The insured was hijacked;
(3) The insured needs medical transportation, return or hospitalization due to serious physical injury;
(4) A sudden riot occurred at the departure point, destination or destination within seven days before the trip. irritation, strike by the carrier of the public transport, severe weather, sudden natural disasters and extreme weather conditions or infectious diseases;
(5) After the trip, sudden riots or riots occur at the place of travel or destination, strike by the carrier of the public transport, severe weather, sudden natural disasters and extreme weather conditions or infectious diseases;
(6) The insured fracture caused the qualified doctor to diagnose the insured that the insured cannot start or continue the original itinerary;
(7) The insured died;
(8) The insured must change the scheduled itinerary within seven days before the original trip or after the trip due to terrorist activities, However, the terrorist activity must meet the following conditions:
1) The government of the country where the insured originally planned to go to or is traveling issued a travel warning or a foreign traveler's suggestion to leave the local area immediately due to the occurrence of the terrorist activity;
2) The Chinese government recommends that Chinese citizens or residents immediately evacuate from the place where the incident occurred.
After deducting the deductible (if any), the Company will compensate the insured person for the insured's corresponding insurance amount under this additional contract set out in the insurance policy and the reasonable and necessary additional travel expenses for the insured person to travel to the destination of the travel or return to the place of residence or daily work after the start of the trip.
14, Condolences and Visits
During the validity period of this additional contract, if any insured occurs during the travel period, the Company will pay the actual expenses of an adult immediate family member of the insured to the place where the insured is located and the place where the insured is located, and the reasonable and necessary accommodation expenses actually spent on the actual expenses of the air ticket, boat ticket or train ticket of the economy class of the insured and the place where the visitor is located, or the reasonable and necessary accommodation expenses actually spent on the above-mentioned visiting relatives, or the reasonable and necessary accommodation expenses of the insured and the need to take care of the insured or take care of his body at the place where the insured is located:
(1) The insured died;
(2) The insured was hospitalized for treatment due to serious physical injury and was hospitalized for more than ten consecutive days.
Under this additional contract, the Company is only responsible for indemnifying the above-mentioned related expenses and expenses incurred by an adult immediate relative or an adult travel companion of the insured person. In the case of visiting both adult immediate family members and taking care of adult travel companions, unless otherwise specified by the insured, the Company will regard the insured's adult immediate family as the insured's companion under this additional contract and compensate the relevant expenses incurred by the adult immediate family members as the insured's companion under this additional contract.
15, Personal liability
During the validity period of this additional contract, if any insured person causes accidents to cause death, physical injury, or property loss or damage to a third party due to general negligence during his travel period, and shall bear compensation liability to the third party according to law, the Company shall compensate the insured person for the actual amount of compensation paid by the insured person under this additional contract contained in the insurance policy to the extent the corresponding insurance amount contained in the insurance policy.
16, Home Protection
During the validity period of this additional contract, if any insured person loses or damages indoor household items in his or her place of residence during his or her travels due to the following insurance risks:
(I) Fire;
(II) Lightning strikes, typhoons, tornadoes, storms, and floods;
(III) The tap water pipes, sewer pipes, and heating pipes (including radiators) in the indoor areas of his or her place of residence suddenly break;
(IV) Theft or robbery,
After deducting the deductible (if any), the Company will decide to compensate in any of the following ways, but the compensation will be limited to the corresponding insurance amount of the insured person under this additional contract contained in the insurance policy:
1). When partial loss or damage occurs in insured household items, the Company will compensate for repairs of damaged household items;
2). When the insured household items are lost or damaged and cannot be repaired in a more economical manner, the Company has the right to compensate for the actual cash value of damaged household items calculated based on the following formula or replace damaged household items with replacement products, but is limited to the actual cash value of damaged household items when the insurance accident occurs:
0 Actual cash value = Reset cost × (1 – Monthly depreciation rate × Number of months of purchase when household items are lost) Note: If it is less than one month, it will be deemed to be one month.
After the company has replaced the damaged household items or paid the full insurance amount of the household items, the company will obtain all or part of the rights of the damaged property in accordance with relevant laws.
The whole pair or set of items under this additional contract shall be regarded as a single item, and the corresponding "compensation limit for each item or set of items" under this additional contract contained in the insurance policy shall apply.
Each piece or set of items is limited to 1,000 yuan or 2,000 yuan, depending on the package.
17. Minor traveling and returning to
During the validity period of this additional contract, if any insured person who travels with the insured and who is responsible for care for the insured, the company will pay a ticket for the economy class one-way air ticket for the municipal administrative area where the minor is in the municipal administrative area where his daily residence is located in China:
(1) The insured person dies;
(2) The insured person is hospitalized for serious physical injury due to serious physical injury.
However, if the minor of the peer has purchased a return ticket before the above situation occurs, the company will:
(1) only compensate for the fees incurred by changing the ticket or the fare difference that needs to be paid for additional payment due to the change. If the return ticket or electronic ticket voucher can still be used after being re-signed;
or
(2) pay the fee for re-purchasing the return economy class air ticket, but if the return ticket or electronic ticket voucher can be refunded, the amount of the refund will be deducted.
18, Kidnapping, Illegal Detention
During the validity period of this additional contract, if any insured is kidnapped or illegally detained during the travel period, the Company will compensate the insured according to the corresponding insurance amount under this additional contract contained in the insurance policy, and shall compensate the insured according to the number of days actually kidnapped or illegally detained.
RMB 3,000 every 24 hours, you must call the alarm within 24 hours of your knowledge
19, bank card stolen
During the validity period of this additional contract, if any insured person illegally uses the lost or stolen bank card or information in the following circumstances due to the loss or theft of the bank card during the travel period, the company will deduct the deductible (if any) After ), the insured person shall be compensated for the account losses directly caused by the illegal use under the account opened by the issuing authority under the additional contract contained in the insurance policy:
(1) The issuing authority pays or withdraws cash or deposits from the automatic teller machine (ATM);
or
(2) purchase or rent goods or services, including but not limited to online shopping.
20, high-risk sports
supports some high-risk sports, but the prerequisite is that the tourism activity must follow the supervision and guidance of the qualified guide of the tourism operator or the activity provider.
[Product Price]
85 yuan starting from ~
[Product Review]
This product supports all Schengen countries, packages B1 and B2 do not contain America, Africa, , Nepal .
medical responsibility can reach up to 1 million, all responsibilities are available, high-end travel insurance .
is not enough, and does not support direct medical payment, which reduces a certain level of experience. If you don’t care about medical direct payment responsibility and require complete responsibilities, you can consider this one.
Key tips:
1. This insurance does not cover any insurance accidents that occur directly or indirectly due to planning or actual planning or actual travel to or through Cuba, Iran , Syria , Sudan , North Korea, Crimea, or during travel in the above countries or regions.
2. This insurance does not cover terrorists or members of terrorist organizations identified by any country or international organization, or those engaged in drug, nuclear, biological or chemical weapons trading.
3. This insurance only covers the insured person who lives in the country and does not cover anyone who lives in the country. The term "permanent residence in this insurance" refers to the cumulative residence time in the country within 1 year or exceeding 183 days.
4. This insurance does not cover the insured person who has been abroad when he is insured.
5. For property losses caused by the same cause, if there is intersection between various responsibilities, only high compensation will be obtained and cannot be obtained at the same time.
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