SmartTraveller :: AXA China

Schedule of Benefits

Coverage	Maximum Limit (RMB)
Coverage	Classic	VIP
Personal Accident and Medical Protection
Accident Death, Burns and Dismemberment We will pay the Insured Person's beneficiary a lump sum payment in the event of death, burns or dismemberment as a result of an accident. Compassionate Death Cash Benefit We will pay the Insured Person's beneficiary in the event of the death of the Insured Person. Medical Reimbursement We will reimburse the actual medical expenses due to an accidental injury or sickness. Chinese herbalists and bonesetters fees are subject to a maximum of RMB 100 per visit per day, up to a maximum of RMB 1,000. Follow Up Medical Treatment in Mainland China Compassionate Visitation In the event of death or hospitalization of the Insured Person due to accident or sickness during the journey, We will pay the reasonable travel expense for one relative to the country where the Insured Person was visiting at the time of death or hospitalization Hospital Deposit Guarantee Gurantee of hospital admittance deposit in the event of accidental bodily injury sustained or sickness contracted by the Insured Person during the journey and the Insured Person is admitted into a Hospital. Interpreter Service Reasonable costs incurred by the Insured Person in engaging the services of a local translator/interpreter in the event of hospitalization (over 24 hours) as a result of accidents or sickness. Daily Hospital Income We will pay daily hospital allowance if the Insured Person is hospitalized for over 24 hours as a result of an accidental injury or sickness.	300,000 10,000 450,000 20,000 10,000 10,000 3,000(Max.RMB300/day) 1,500(RMB50/day)	600,000 20,000 660,000 50,000 10,000 20,000 5,000(Max.RMB500/day) 3,000(RMB100/day)
24hr worldwide Emergency Assistance Service
Including emergency medical assistance and evacuation, emergency medical repatriation, repatriation of moral remains	750,000	1,000,000
*Repatriation of Mortal Remains Limited to RMB100,000 Which Funeral Expense Limited to RMB20,000	750,000	1,000,000
Personal Effects Coverage
Loss of Baggage and Personal Effects We will pay the Insured Person loss or damage of personal baggage and effects due to thief or robbery or the third party's liability.(RMB1,000 per item or set of items) Loss of Money and Travel Documents In THE event of loss of passport, travel tickets and other travel doucuments due to thief or robbery, we will pay the cost of replacement as well as additional travel expenses, hotel accommodation expenses incurred. *Limit of Loss of Money	3,000 2,000 1,000	5,000 3,000 1,500
Home Care Pay for damageds to your home contents as a result of fire while you are overseas.(RMB1,000 per item or set of items)	2,000	5,000
Travel Inconvenience
Travel Delay RMB300 will be paid for delays in excess of 8 hours, for every 8 hours in the event of inclement weather, strike, over booking, air traffic contact, Etc.	1,500	1,500
Baggage Delay Lump sum will be paid up to the limit in the event of baggage delay for over 8 hours.	300	500
Travel Cancellation We will pay the irrevocable deposit or charges paid in advance in the event of unavoidable trip cancellation due to natural disaster, etc	7,500	15,000
Trip Curtailment We will reimburse the loss of non-refundable travel fees if the journey is interrupted by a natural disaster, epidemic, etc.	7,500	15,000
Personal Liability
Legal expenses and compensation for bodily injury or property damage to the third party due to an accident.	1,000,000	1,200,000
Automatic Extension of Coverage
The cover will be automatically extended without payment of any additional premium for the delay caused by force majeure.	Max. 10 days	Max. 10 days

Premium Table (RMB)

Insurance Period	Premium for Adult		Premium for Juvenile
Insurance Period	Classic	VIP	Classic	VIP
1 – 4days	100	170	75	125
5 – 8days	155	245	120	180
9 – 12days	210	320	165	235
13 – 16days	265	395	210	290
17 – 20days	320	470	255	345
21 – 24days	375	545	300	400
25 – 28days	430	620	345	455
Each additional week(less than 1 week shall be deemed as 1 week)	100	120	45	80
Annual Cover	1,400	1,900	1,120	1,520
Family Annual Cover	3,000	4,000	-	-

Plan Features

Compliant with SCHENGEN Visa requirement
24hr worldwide emergency travel and medical assistance
flexible combination of short-term/annual/family plans meeting your diverse needs
Comprehensive protection, covering accident, sickness, property, liability and travel inconvenience.
No deductible being applied to any benefit under this policy
Covers amateur sports and activities including skiing, diving, wakeboarding, horse riding, etc.
Full terrorism coverage
No declined destination list

24hr Emergent Assistance Service at a glance

24 hour hot-line service
Medical evacuation & repatriation
Repatriation of remains
Facilitation of hospital admission
Hospital deposit guarantee
Information services: travel, Visa, weather, embassy referral, translator/interpreter refer, legal assistance, etc.
Special assistance: assistance on loss of travel documents, baggage, emergency travel assistance.

The policy inquire hotline：400-881-8158
24hr hotline:+86 10-8468 5628

We promises and guarantee:

We would dismiss the claim payment in 5 working days subject to the following qualification criteria:

The benefits apply to our claims guarantee：

Medical and Related Expenses
Baggage and Personal Effects
Baggage Delay
Loss of Money and Travel Documents
Travel Delay
Travel Cancellation
Trip Curtailment

Qualification criteria:

Claim amount is below RMB 3,000；and
No outstanding premium
The claim is reported from mainland China with complete and valid claim documents provided
The payment will be transferred to the account provided by the Insured Person or the valid beneficiary and actual remittance date may be affected by bank's transaction time delay

Important Notes
1.The total benefit payable is subject to the maximum limit as stated in the Policy Schedule.
2.Insured Persons must be from 1 to 80 years of age inclusive upon application. For any Insured Persons
   aged from 71- to 80 years old, half Maximum Limit under" Accidental Death, Burns & Dismemberment",
   "Double Indemnity for Public Transport" , and "Medical Reimbursement" benefits applies and the
   premium remains unchanged.
3.This policy shall not exceed the "Accidental Death, Burns and Dismemberment" benefit limit for person
    under 18 years old specified by China Insurance Regulatory Commission (RMB100,000 for Beijing,
    Shanghai, Guangzhou and Shenzhen and RMB50,000 for the other areas), and "Double Indemnity"
    benefit is not available for the Insured Persons under 18 years old.
4.The maximum length of each insured trip is 90 days .
5.This policy covers the travel to the overseas countries and areas including Hong Kong, Macau and
    Taiwan Province.

1.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
2.Any explosion, burns, contamination or radiation caused by any biological, chemical or atomic weapon,
   or atomic or nuclear device
3.Injury intentional caused by the applicant or beneficiary, or self-inflicted injury or committing suicide
   caused by the Insured Person whatever he/she is insane or not.

Should there be any inconsistencies between Chinese and English versions, the Chinese version shall prevail.

This brochure only provides general product information for your reference, please always refer to your policy wording and policy schedule to have full knowledge of the terms and conditions of this policy.

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