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40099 95507

史带“乐游全球”境外旅行保障计划2017版

适用人群:出生后两周至85周岁人群

承保年龄:出生后两周至85周岁

保障期限:1~365天

保费:¥30.00起

投保前请您仔细阅读: <<产品条款>> <<互联网信息披露>>

保险责任 保障金额(元)
白银计划 黄金计划 钻石计划
意外身故、残疾 Accidental death and dismenberment 250000 350000 600000
公共交通意外身故、残疾(与意外身故、伤残累计赔偿)Common carrier acdidental death and disability 250000 350000 600000
自驾意外身故、残疾(与意外身故、伤残累计赔偿)Self-drive accidental death and disability while driving 100000 100000 100000
紧急牙科治疗(每颗牙齿最高900元治疗费)Emergency dental treatment ($900 per tooth) 1000 2000 3000
传染病强制隔离安慰津贴(10天为限,最高1000元每天)Infections disease forced isolation comfor insurance (up to10 days) 300元/天 500元/天 1000元/天
疾病身故 Disease die 10000 20000 30000
旅行医疗保险(包含门诊及住院,提供境外医疗直付服务,其中境内疾病医疗费用以2,000元为限)Medical reimbursement (Including outpatient and inpatient,provide medical direct payment services,domestic medical reimbursement limit is RMB2,000) 100000 300000 500000
既往疾病急救费用补偿 Previous emergency medical compensation - 1000 2000
食物中毒医疗补偿 3000 5000 10000
海外医疗救护车费用补偿 Ambulance assistance 1000 2000 3000
医疗运送及送返(该责任不承保尼泊尔医疗运返救援责任)Medical evacuation and repatriation(this responsibility does not cover Nepal medical delivery and repatriation responsibility) 500000 1000000 实际费用
Actual Costs
身故遗体送返(其中丧葬保险金以RMB16,000为限)Repatriation of remains (Limit of death condolences is RMB16,000) 500000 1000000 实际费用
Actual Costs
亲属慰问探访费用 Compassionate visit of relatives 10000 15000 20000
绑架及非法拘禁(最高以30天为限,400元/天)Kidnapping and illegal detention (up to 30 days) 12000 12000 12000
旅行变更 Change of travel schedule 5000 10000 15000
直飞航班延误(每4小时赔偿300元,仅承保国际直飞航班的延误)Direct flight delay (RMB300 per 4 hours, only cover the delay of international direct flight) - 300 600
行李延误(每延误6小时赔偿500元) Baggage delay (RMB500 for every 6 hours) - 500 1000
旅行目的地恶劣天气补偿(最高给付10天,50元/天)Bad weather compensation for travel destinations (up to 10 days) 500 500 500
旅行证件损失 Loss of travel documents 5000 8000 10000
个人随身财物(手机及平板电脑除外,单件物品限额为1000元)Loss of personal effects(Limit per item or set of items RMB1,000,Except phone and tablet computer) 1000 2000 3000
手机及平板电脑保障(单件物品限额为1000元)Loss of phone and tablet computer (Maximum RMB1,000 per item) - 2000 3000
旅行期间家财保障 Home guard 3000 5000 8000
银行卡盗刷(不适用于未成年人)Card theft brush (not applicable to minors) 10000 15000 20000
信用卡购物保障 Credit card purchase protection 1000 2000 3000
签证拒签补偿(补偿拒签后签证费损失的70%) - - 600
旅行保障自动延期(不可抗力下)Travel insurance (Force majeure) 7天(Days) 7天(Days) 7天(Days)
旅行紧急状态期间保障 Guarantee during travel emergency 10000 20000 30000
个人及宠物责任 Personal and pet liability insurance 300000 500000 800000
个人责任保释金垫付 Personal liability bail 20000 30000 50000
费率表
基本保障保险费/人(RMB:元) 白银计划 黄金计划 钻石计划
1-3天 30 45 60
4-183天 每增加一天+10 每增加一天+15 每增加一天+20
1年 1900 2900 3900
投保须知
  • 本产品由史带财产保险股份有限公司承保,目前该公司在北京、上海、广东、江苏、浙江、宁波、安徽、青岛、福建、苏州、重庆、湖北设有分支机构。
  • 本保险计划所有保险责任、责任免除及相关事项均以史带财产保险股份有限公司《旅行人身意外伤害保险》及其附加险条款为准。All insurance benefits, exclusions and relevant conditions of the insurance shall be subject to the terms and conditions stated in “Individual Travel Accident Insurance” and its riders issued by Starr Property & Casualty Insurance(China) Company Limited.
  • 本保险为本保单所载之被保险人在旅行期间提供24小时的保险保障,涵盖地区包括但不仅限于美国、加拿大、澳大利亚、新西兰、俄罗斯、韩国、日本及香港、澳门和台湾等国家和地区以及所有申根国家包括但不仅限于奥地利、比利时、丹麦、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、列支敦士登公国、法属波利尼西亚及马耳他等国家和地区。Contained in this insurance for the policy of the insured during the period of travel insurance, provide 24 hours covers areas including but not limited to the United States, Canada, Australia, New Zealand, Russia, South Korea, Japan and Hong Kong, Macao and Taiwan and other countries and regions as well as all Schengen countries including but not limited to Austria, Belgium, Denmark, Finland, France, Germany, Iceland, Italy, Greece, Luxembourg, the Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, Poland, the Czech republic, Estonia, Lithuania, Slovakia, Hungary, Slovenia, Latvia, Liechtenstein, French Polynesia and Malta and other countries and regions.
  • 承保年龄为出生后两周至85周岁,以保险起期时被保险人的周岁年龄为准。71至85周岁的被保险人,其涉及“意外身故、残疾保障”、“公共交通工具意外保障”、“疾病身故保障”和“医疗费用保障”(包括疾病及意外医疗)的保险金额为上表所载金额的一半,保险费维持不变Insured Persons must be from 2 weeks to 85 years of age inclusive upon application. For any Insured Person aged from 71 to 85 years old, half Maximum Limit under “Accidental death & disablement” , “Common carrier accident death & disablement” , “Acute sickness death” and “Medical reimbursement”(including sickness and accident) benefit applies and the premium remains unchanged.
  • 按中国保监会规定,10周岁(不含)以下的未成年人累计身故保险金额不得超过人民币20万元;10至17周岁的未成年人累计身故保险金额不得超过人民币50万元。若未成年被保险人的累计身故保险金额超过上述规定,则以上述规定的保险金额为限。In accordance with the regulations,the aggregated indemnity for accidental death shall neither exceed RMB200,000 for insured person below the age of 10 nor exceed RMB500,000 for insured person between the age of 10 and 17.Juvenile's Indemnity should be limited to the amount stated above if juvenile's aggregated policy limit exceeds corresponding amount above.
  • 每位被保险人限投保壹份。Each insured person shall only apply for one insurance policy for the same insurance period.
  • 在同一保险期间,每位被保险人投保同一产品(包括同一产品的同一计划或不同计划)限投保壹份, 以最先投保之保单为有效;若被保险人为同一旅行自愿投保多种综合保险(不包括团体保险),且在不同保障产品中有相同保险利益的,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。若被保险人在任意渠道投保由本公司承保的多份“意外身故、残疾保险”、“疾病身故”、“急性病身故”、“猝死保险”、“医药补偿保险”、“意外每日住院津贴”、“每日住院津贴”或“重大疾病保险”(不包括团体保险),则本公司仅按其中保险金额最高者做出赔偿。
  • 在任何情况下,本保险不承保任何直接或间接前往或途径伊朗、朝鲜、乌克兰(克里米亚地区)、古巴、叙利亚以及投保时已经处于战争状态或已被宣布为紧急状态的国家或地区,或在上述国家或地区旅行期间发生的保险事故。根据联合国决议或根据美国、欧盟或其他可适用的经济制裁、法律和规定,如果保险人承保、支付赔款或向被保险人提供任何其他利益的行为,将会导致保险人受到任何制裁、禁令或限制的,则在上述范围内保险人将不予承保、赔付或提供其他利益。若本保险公司在本保险项下提供任何保险保障、利益或支付任何保险赔偿金会导致本保险公司违反联合国决议项下的任何制裁、禁止性或限制性规定,或者违反中华人民共和国或美国颁布的任何经济贸易制裁、法律法规时,则本保险公司在本保险项下不提供前述保险保障、利益,亦不支付前述保险赔偿金。Under any circumstances, this policy does not cover any trips directly or indirectly to the following countries: Iran, North Korea, Ukraine(Crimea), Cuba, Syria and other countries or districts under warfare status or have declared a state of emergency when apply for the insurance, or accident occur in the above-mentioned countries or districts during the travel. The Insurer shall not be deemed to cover nor shall be liable to pay any claim or provide any benefit.
  • 一年期保单保险期间内不限出行次数,每次承保旅程最长期限为183天。Unlimited number of trips during insurance,the maximum duration of a single undertaking is 183 days.
  • 因乘坐泰国东方航空(航班代码:OX)导致的旅行延误、旅行取消不属于保险责任范围。Travel delay or cancellation with Orient Thai Airlines (OX) will be excluded.
  • 高风险运动承保项目:海拔6000米以下的休闲旅游、远足徒步、登山运动、山地穿越、露营、固定路线洞穴体验、野外生存、徒步穿越无人区(沙漠、戈壁等);定向运动、拓展活动、场地趣味活动;自行车运动、山地自行车越野、场地/越野轮滑、自驾车旅行;游泳、潜水(下潜深度不超过18米)、溯溪、划船、帆船、帆板、皮划艇、漂流;人工场地攀岩及下降、攀冰、滑雪运动;骑马游玩、马术培训、马术比赛(竞速赛、绕桶赛)。 不承保:海拔6000米以上的攀登、滑雪、高山滑翔、极地探险,非固定路线洞穴探险、蹦极、自由式潜水(下潜深度超过18米,无水下呼吸设备)、赛车、跳伞、滑翔翼等高风险探险类活动。The above insurance plan covers sports category:below an altitude of 6000 meters including tourism,hiking,mountaineering,hiking through mountain,camping,fixed routes caving,wildness survival,hiking through uninhabited region(desert and gobi,etc.);orienteering,outreach,site fun activity;biking,cross-country mountain biking,artificial site/cross-country mountain roller skating,self-driving tour;swimmming,diving(descending to depths no more than 18 meters),river trekking,rowing,sailing,boardsailing,canoeing,rafting;rock climbing and declining in artifical/natural site,ice climbing,skiing;horse riding for fun,equestrisan training,equestrisan event(racing and barrel racing).exclusion:over an altitude of 6000 meters including mountaineering,skiing,alpine gliding,parachuting,polar expedition,non-fixed routes caving,bungee jumping,free diving(descending to depths more than 18 meters without underwater breathing apparatus)
  • 包机属于除外责任。Charter flights are exclusions.
  • 本保险仅承保在中华人民共和国大陆地区以外的境外(含香港、澳门、台湾地区)旅行期间的责任。This insurance is solely responsible for the liability of the insured to travel outside the mainland of China (including Hong Kong, Macao and Taiwan).
  • 本计划中公共交通工具不包含邮(游)轮。
  • 若拒签办理退保,不能申请理赔;申请理赔后,不能办理退保、变更。本公司赔付被保险人因被使领馆拒签,实际已支付但无法退还的签证费用。签证拒签保障保险期间为投保后次日凌晨00:00起至被保险人实际出行前一天的23:59:59止,仅承保一次签证费用。被同一国家或申根国家拒签过两次及以上的人员不得投保本保险。保单的投保时间必须在被保险人向使领馆递交签证申请(包括网上申请、支付签证费用、递交签证材料)前,否则保险公司将不承担相关保险责任。签证拒签责任的理赔款仅限本人领取,接收赔款的银行账号户名需与被保险人身份证姓名一致。
  • 在中国境内(不含港澳台)的外籍人士购买本产品需满足:在中国境内要有工作证和居住证。除外被保险人在其国籍所在的或其拥有永久居留资格的国家或地区期间发生的医疗补偿费用。
  • 本保险产品仅承保往返境内外的国际直飞航班发生的航班延误,不承担航班取消、返航、备降以及换乘不衔接造成的行程延误。The insurance policy only covers the flight delay of direct international flights between China and foreign countries, and does not cover the travel delay caused by flight cancellation, return flight, alternate flight and transfer misconnection.
  • 本保单仅承保被保险人从中国大陆境内出发的旅行,且必须于出行前投保。This policy only covers the insured's travel departured from mainland China and must be applied prior to departure.