保 险 单POLICY SCHEDULE
保 险 单POLICY SCHEDULE
安盛天平乐游全球（无门诊版）旅游意外保险（互联网专属）
投保人: 测是本人CeShiBenRen 保险凭证号: 88888888888888
保险合同生效日: 2023-12-05(年/月/日 Y/M/D)00:00:00时Hrs(北京时间)
保险合同满期日: 2023-12-09(年/月/日 Y/M/D)23:59:59时Hrs(北京时间)
保险期间: 5 天 保险合同类型: 短期保障 Short Period Cover
总保险费(含税价): RMB 保费￥：47.17 税费￥：2.83 价税合计￥：50.00
旅游目的地: 全球(涵盖所有申根国家) Worldwide(inc.All Schengen Countries)
保险利益明细表Schedule of Benefits
承保项目Coverage | 各被保险人最高赔偿限额 (人民币:元) Maximum Limit of Liability Per Insured (RMB:Yuan) |
意外身故及残疾保险金 Accidental Death & Dismemberment | 100,000 |
医疗费用补偿 Medical Reimbursement (仅承保住院医疗 Only Inpatient) | 300,000 |
慰问及探访费用 Compassionate Visitation | 20,000 |
医疗运送与送返 Emergency Evacuation & Repatriation | 1,000,000 |
身故遗体送返及丧葬费用 Repatriation of Mortal Remains and Funeral Expense | 100,000 |
*其中丧葬费用限额 Funeral Expense Limited to | 20,000 |
xx未满十六周岁儿童回国 Escorting Children under 16 back to China | 20,000 |
序号 被保险人 | 证件号码 | 出生日期 (年/月/日) | 与投保人关系 | 职业类别 | 身故保险金受益 人姓名及受益份额 | |
XX. | Xxxx xx xxx Xxxxxxx Xxxxxx | XX Xx. | Xxxx xx Xxxxx (X/X/X) | Relationship to the Policyholder | Classification Of Occupations | Name of Beneficiary & Share of Benefits |
1 | 测是本人CeShiBenRen | S888888888 | 2005-12-04 | 本人Self | 法定继承人Legal Heir | |
特别约定 Special Agreement：
1.本保险不承保任何直接或间接由于计划或实际前往或途经缅甸、俄罗斯、乌克兰、xx米亚和塞瓦斯托xx、叙利亚、委内瑞拉、古巴、阿富 汗、白俄罗斯、伊朗、朝鲜、尼泊尔或在上述国家或地区旅行期间发生的保险事故。This insurance does not cover any insurance accident directly or indirectly caused by the planned or actual travel to or through Myanmar, Russia, Ukraine, Crimea and Sevastopol, Syria, Venezuela, Cuba, Afghanistan, Belarus, Iran, North Korea, Nepal, or during the travel in the above countries or regions.
2.本保险对于任何直接或间接由于前往或途经以下国家或地区发生的事故不提供救援服务。1）亚洲：英属印度洋领地，Cocos Islands，xxx，xx，xx，xx，xxx，xxx；0）xx：xxxxxx和扎波里兹日亚、xx松、顿涅茨克和卢汉xx人民地区、白俄罗斯、俄罗斯联
邦；3）南美洲：委内瑞拉；4）非洲：厄立特里亚，索马里，圣赫勒拿岛，西撒哈拉，利比亚，刚果（金），乍得，中非，科摩罗；5）大洋洲：美属xxxxx，xxx，xxx，xxxx领地，赫德岛和xxxxxx，xxxx，xxxxx，xxxxxx，x鲁，xxxx，xxxxx，xxxxx，x乔治亚和xxxx，xxxxx，xx，xxx，US Xxxxx Xxxxxxxx Xxxxxxx，xxxx，xxx和富图纳群岛；6）南极洲。 This insurance does not provide assistance services for any accident directly or indirectly caused by customers going to or passing through the following countries or regions. 1）Asia: British Indian Ocean Territory, Cocos Islands, East Timor, North Korea, Myanmar, Iran, Syria, Afghanistan; 2）Europe: the Crimea Region and the People's regions of Zaporizzhya, Kherson, Donetsk and Luhansk, Belarus, the Russian Federation; 3）South America: Venezuela; 4）Africa: Eritrea, Somalia, Saint Helena, Western Sahara, Libya, Democratic Republic of the Congo, Chad, Central Africa, Comoros; 5）Oceania: American Samoa, Bouwe Island, Christmas Island, French Southern Territory, Heard Island and MacDonald Islands, Kiribati, Marshall Islands, Micronesia, Nauru, Niuya Island, Pitcairn Island, Solomon Islands, South Georgia and South Sandwich, Tokelau Islands, Tonga, Tuvalu, US Minor Outlying Islands, Vanuatu, Wallis and Futuna Islands; 6）Antarctica.
3.若您在旅游途中需要任何紧急援助，请直接拨打24小时紧急援助热线：x00 00-00000000。另外，您可在工作时间（周一至周日8:30-21:30）致电95550，xxxxxxxxxxx.xxx.xx 查询您保障的详细信息。Please call our 24-hour hotline line at x00 00-00000000, should you need any emergent assistance service during travel. You could also contact 95550(Monday to Sunday, 8:30-21:30) or enter our homepage xxx.xxx.xx to verify your coverage.
4.根据保监发〔2015〕90号的规定，对于父母为其未成年子女投保的人身保险，在被保险人成年之前，各保险合同约定的被保险人死亡给付的保险金额（包括在所有商业保险公司所购买的保险，但不包括投资连结保险、万能保险以及航空意外伤害保险）总和、被保险人死亡时各保险公司实际给付的保险金总和：投保年龄不满10周岁的，不得超过人民币20万元；投保年龄已满10周岁但未满18周岁的，不得超过人民币50万元，故对于被保险人的投保限额超过上述规定的，我司不再承保，若尚未达到限额的，本公司仅就差额部分进行承保。Any insured under 18 years old,if he/ she, before the inception of this policy,has other insurance policy/policies that offer(s) death benefit(except unit-linked insurance, universal insurance and aviation personal accident insurance),the death benefits provided by this policy will be excess in all instances to the other insurance policy/policies and the total death benefits of the other insurance policy/policies and this policy shall not exceed the death benefits limit-RMB 100,000 for person under 10 years old or RMB 500,000 for person from 10 to under 18 years old as specified by China Insurance Regulatory Committee in regulation (2015) #90.
5.“意外事故残疾保险金”给付标准：被保险人于本合同有效期内遭遇意外事故，且自事故发生之日起一百八十天内致成 《人身保险伤残评定标准》（标准编号为 JR/T 0083—2013）（行业标准）所列伤残或烧伤程度等级之一者，则本公司以保险合同所载的保险金额为基数，按该伤残或烧伤程度等级对应的保险金给付比例给付伤残保险金。The compensation criteria for accidental dismemberment is, if the insured suffered an accident and therefore caused physical disability or severe burns qualifies one of the levels assessed by the Standards issued under JR/T 0083-2013 (industry standard), the company will indemnify the insured with the ‘Accidental Death or Dismemberment’ benefit proportionally according to the level of the physical disability or burns.
6.本保险的被保险人投保年龄为1周岁至69周岁。The insured person under this policy must be from 1 to 69 years with both ages inclusive upon application.
7.本保险单保障被保险人从中国大陆地区出发全球范围内的海外旅行，涵盖地区包括但不仅限于美国、加拿大、澳大利亚、新西兰、韩国、日本以及香港、澳门和台湾等国家和地区以及所有申根国家，包括但不限于奥地利、比利时、丹麦（含格陵兰岛及法罗群岛）、芬兰、法国、德国、冰岛、意大利、希腊、卢森堡、荷兰、挪威、葡萄牙、西班牙、瑞典、瑞士、波兰、捷克、爱沙尼亚、立陶宛、斯洛伐克、匈牙利、斯洛文尼亚、拉脱维亚、马耳他、列支敦士登及克罗地亚等国家和地区。We provide a 24-hour worldwide travel insurance for the insured persons as stated in this policy schedule, which covers travels departure from mainland China to the countries and areas including but not limited to U.S.A., Canada, Australia, New Zealand, South Korea, Japan, Hong Kong, Macau, and Taiwan Province and all Schengen countries including but not limited to Austria, Belgium, Denmark（incl. Greenland and Faroe Islands）, Finland, France, German, Iceland, Italy, Greece, Luxemburg, Holland, Norway, Portugal, Spain, Sweden, Switzerland, Poland, Czech, Estonia, Lithuanian, Slovak, Hungary, Slovenia, Latvia, Malta, Liechtenstein and Croatia.
8.任何在下列期间发生的或由下列原因造成的保险事故，本公司不负任何赔偿责任：战争、军事行动、暴动或武装叛乱期间；侵略、外敌行为、敌对（不论是否宣战）、内战、叛乱、革命、起义、军事行动或篡权、受任何政府或国家权力机构的指挥对财产的没收或国有化或征用或毁坏或破坏的、暴乱骚乱。本计划不承保前往现阶段已处于战争状态、已被宣告为紧急状态；或在将来处于战争状态、被宣告为紧急状态的地区和国家的旅行者。This Policy does not cover claims: directly or indirectly occasioned by, happening through or in consequence of: During war, military operations, insurrection or military rising; war or relevant operations (whether war be declared or not), act of terrorism, invasion, hostilities, act of foreign enemy, civil war, strike, insurrection, civil commotion, rebellion, revolution, civil rising, military or usurped power.
9.本保单的“医疗费用补偿（仅承保住院医疗）”保障可涵盖新型冠状病毒感染的治疗费用。本公司不负责赔偿由下列原因造成的保险事故：受保前已存在之病症或未向本公司声明并由本公司书面接受被保险人的既往身体状况、慢性病、精神病、精神分裂、艾滋病、性传播疾病、遗传性疾病、先天性疾病或缺陷、先天性畸形、牙齿治疗（但因意外伤害事故导致的必须进行的牙科门诊治疗不在此限）、预防性手术等非必须紧急治疗的手术、器官移植。The Inpatient medical reimbursement of this policy includes the medical expenses of COVID. The insurer shall not bear any indemnity liability for any insured accident arising from the following causes：pre-existing condition or the insured person's previous health conditions not declared to the insurer and not accepted by the insurer in writing, chronic disease, mental disease, schizophrenia, AIDS, sexually transmitted disease, hereditary disease, congenital disease or defect, congenital deformity, teeth treatment (except for the indispensable dentistry outpatient treatment caused from an injury accident), preventive operation or any other operation or organ transplant not in need of emergent treatment.
10.本保险仅承保被保险人从中国大陆出发，返回中国大陆的旅行。本保险不承保外籍人士返回原籍国的旅行。本保险的保险期间必须完整覆盖被保险人离开及返回到日常生活、工作所在地的旅行期间。The insurance only covers the journey of Insured Person starting from mainland China and returning to mainland China. The insurance does not cover the journey of expatriate returning to his/her home country. The insurance period must completely cover the whole trip from the insured person leaves till he returns to his/her normal living or working place.
11.本保险不承保以尼泊尔登山为出行目的的旅行。This insurance plan does not cover mountaineering trips in Nepal. 12.本保险不承保在投保本保障计划时已置身于境外的被保险人。The insurance does not cover the journey of the Insured Person who is outside mainland China when he/her applies for the insurance.
13.本保险不承保旅行社的包机及包船业务（包机及包船业务定义为同一旅行社的旅客乘坐的单架飞机或单艘游船且人数超过150人）This insurance plan does not cover charter business of travel agency (the charter business is defined as more than 150 passengers from the same travel agency take the same flight or the same cruises).
14.投保人可于保险合同成立后，保险责任开始前书面申请撤销本合同，本公司进行审查后符合条件的将退还已缴保费，保险合同关系自本公司同意退费之日解除。但在生效日当日或之后客户申请撤销保险合同的，保费将不再退还。The insured person may cancel the Policy before the inception date subject to the cancellation terms &condition. The Insurer will then refund the premium accordingly. However if the request of cancelling the policy is proposed after the inception date, the premium will not be refundable.
15.本产品每人仅限购买一份。若被保险人自愿投保由本公司承保的多种综合保险（不包含团体保险），且在不同保障产品中有相同保险利益的，则本公司仅按其中保险金额最高者做出赔偿，并退还其它保险项下已收取的相应保险利益的保险费。Each insured person can only be entitled one insurance plan under this product. If the applicant applies different insurance products from the Company (not including group insurance) and there are the same Benefits under different insurance products, the Company will indemnify the insured only one Benefit with the highest limit and refund the premium of other same Benefits when claim occurs.
16.保险人不应当被认为对下列情形提供任何保险保障或负责支付任何索赔或提供任何利益：如提供该任何保险保障、支付该任何索赔或者提供该任何利益会使保险人受到联合国决议或者中国、欧盟、英国或美国的贸易或经济制裁、法律或法规下的任何制裁、禁令或者限制。The Company shall not be deemed to provide cover and shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the Company to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the P.R.C, European Union, United Kingdom or United States.
17.本保险单、投保单/投保申请、保险条款、批单或备注（如有）及其他约定书（如有）均为保险合同的构成部分。This insurance policy,
application form, insurance clauses, endorsement or remarks (if any) and other agreements (if any) are all part of the insurance contract.
保险条款名称清单 List of Policy Wording
1.《安盛天平个人旅行人身意外伤害保险（2022版A款）（互联网专属）条款》
2.《安盛天平附加个人旅行医疗费用保险（2022版A款）（互联网专属）条款》
3.《安盛天平附加个人旅行慰问及探访费用保险（2022版）（互联网专属）条款》
4.《安盛天平附加个人旅行全球紧急救助保险（2022版）（互联网专属）条款》
注：请您点击条款名称查看完整条款内容 Remark: Pls click the name of Policy Wording for the details..