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Policy Features

  •  Comprehensive protection, covering accident, sickness, property and liability;
  •  24hr worldwide emergency travel and medical assistance;
  •  Full terrorism coverage；
  •  Covers amateur sports and activities including skiing, diving, horse riding, etc;
  •  No deductible being applied to any benefit under this policy.
 
24hr Emergent Assistance Service at a glance
  •  Medical evacuation & repatriation, Repatriation of remains;
  •  Information services: travel, Visa, weather, embassy referral, etc;
  •  Special assistance: assistance on loss of travel documents, baggage, emergency travel assistance.
 
Benefits
 
Coverage (Currency：RMB) Classic
Plan		 VIP Plan
Personal Accident    
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.（If the insured age is younger than 18 year old, the Sum Insured is limited up to the regulation of China Insurance Regulatory Commission.）
 
200,000
 
300,000
Compassionate Death Cash Benefit 5,000 10,000
Medical Expenses  
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.)
 
60,000
 
80,000
Daily Hospital Income (RMB100/day)
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.
 
9,000
 
9,000
24hr worldwide Emergency Assistance Service  
24 hour hot-line service
 
 
 
500,000

 
 
 
 
500,000
Medical evacuation
Medical repatriation
Repatriation of remains limited to RMB 80,000 while Funeral Expense Limited to RMB20,000
Personal Effects Coverage  
Travel Delay
RMB300 will be paid for delays in excess of each 5 hours
 
600
 
600
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).
 
2,000
 
3,000
Personal Liability
Legal expenses and compensation for bodily injury or property damage to the third party due to an accident.
 
100,000
 
500,000
 
Premium Table (Currency: RMB)

 
Insurance Period
 Premium for Adult Premium for Juvenile
Classic VIP Classic VIP
1-5 days 35 45 30 35
Each additional day 8 10 7 8

Important Note:
1. Insured Persons must be from 1 to 80 years of age inclusive upon application. For any Insured Person 
    aged from 71 to 80 years old, can be covered only after a special approval by the Winterthur insurance
    (Asia) Ltd. Shanghai Branch, and the Maximum Limits under "Medical Reimbursement" benefits will be
    reduced to half of Limits as above table stated while the premium remains unchanged.
2. The Policy is only applicable starting from mainland China to visit the following countries or regions:
    Brunei, Singapore, Nepal, Cambodia, Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau,
    Malaysia, Mongolia, Philippines, Sri Lanka, Taiwan, Thailand and Vietnam.
3. The maximum duration of each insured trip is 90 days；
4. The Policy shall be effective only if total premium has been paid to the Company prior to the departure.
5. The insured could not apply several kinds of travel insurance products of the Company for the same
     journey. In case of that, the Company will only pay on the highest benefits among these policies.
6. 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.

General Exclusions:
1. During war, military operations, insurrection or military rising;
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.
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