保险公司：众惠财产相互保险社
境外医疗网络直付服务；单次旅行最长183天；涵盖多种热门娱乐活动
产品特色：
常见问题
1、客户是外籍护照也是可以投保的吗？外国人士购买有没有境内居住时间限制？
港澳台及外籍人士均可保，不要求大陆境内累计居住183天，但是需要投保时客人在中国境内。
2、投保前没有新冠，如果在海外旅行期间患了新冠，是否涵盖就诊费用？
按照保单特别约定，医疗费用补偿责任涵盖被保险人在旅行期间感染2019新型冠状病毒肺炎的治疗费用。
3、国外发生感冒拉肚子等疾病是可以涵盖的吗？急性疾病，可以泛指感冒发烧拉肚子吗？
急性病是指突然发生不及时由医生救治将危及生命安危的急性疾病，感冒发烧拉肚子是急性病的范畴。
4、投保后怎样收到保单，怎样获取服务？
客户投保后会收到短信通知，并通过电子邮件接受电子保单和电子会员服务手册。在服务手册中，详细介绍了使用中间带救援服务的方法。同时，客户可以在投保成功后关注中间带救援微信公众号，实现即时查看保单福利，查看全球医疗网络，提交理赔和预授权申请等功能。
5、寰亚洲可以承保境外务工吗？
中间带救援“寰”系列旅行险，只承保旅游、商务差旅、留学交流、探亲为目的的境外出行。
A 投保须知 Insurance instruction
1.本保险承保被保险人年龄为出生满28天至85周岁，以保险起期时被保险人的周岁年龄为准。其中，71至85周岁的被保险人"医疗费用补偿"的保险金额以30万元为上限。对于超过75周岁的被保险人最长承保期间为60天。This insurance covers the insured aged 28 days of birth to 85 years old, subject to the age of the insured at the policy effective date. Else, the limit of Medical Expense for the insured aged 71 - 85 years old is CNY300,000. Maximum duration for the insured aged above 75 years old is 60 days.
2. 任何年龄在18周岁以下的被保险人，如果其以死亡为给付保险金条件的保险金额（包括在所有商业保险公司所购买的保险）超出中国保险监管机构所规定的限额（即不满10周岁的，为人民币20万元；已满10周岁但未满18周岁的，为人民币50万元）须特别告知，否则保险公司可能对超出限额的部分不承担保险责任。Any insured under the age of 18 and the death benefit as the condition of insurance payment (including any insurances purchased from all commercial insurance companies) exceeding the limit specified by the China Insurance Regulator (viz. CNY200,000 if aged under 10 years old, or CNY500,000 if aged 10 -17 years old) must be specially informed to the insurer, Otherwise, the insurer may not be liable for any amount in excess of the regulatory limit.
3. 本保险不承保任何国家或国际组织认定的恐怖分子或恐怖组织成员，或非法从事毒品、核武器、生物或化学武器交易人员。This insurance does not cover terrorists or members of terrorist organizations recognized by any country or international organization, or persons illegally engaged in drug, nuclear weapons, biological, or chemical weapons transactions.
4.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、叙利亚、朝鲜地区、巴勒斯坦、以色列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。危险国家战争地区以中华人民共和国外交部中国领事服务网（http://cs.mfa.gov.cn/gyls/lsgz/lsyj/）-安全提醒为依据。
This insurance does not cover any accidents directly or indirectly caused by planned or actual travel to or through Iran, Syria, North Korea, Palestine, Israel or during travel in the above countries or regions.
5.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，且必须于出行前投保，不承保在投保本保障计划时已置身于中国大陆境外的被保险人。The insurance The insurance period must fully cover the period of travel during which the insured leaves and returns to the place of daily life and work, and must take out the policy before the travel. The insurance does not cover any insured who are outside Mainland China before the effectiveness of insurance.
6. 本保险不承保以任何医疗、治疗为目的的出行计划。Any travel plan for medical or therapeutic purposes is not covered.
7.如保险期间为一年，本保险单次旅行最长承保时间为183天。Maximum duration for each journey is 183 days.
8. 本保险承保有正式经营执照的机构经营的并符合安全规范的潜水，滑水，冲浪，场地滑雪，场地滑冰，驾驶卡丁车，帆船，帆板，皮划艇，水上摩托，漂流，观景直升机，热气球，骑马，登山等热门娱乐活动。
但下列情形的高风险活动除外：
(1)被保险人以通过比赛夺标获取名利与财富为目的而从事紧张激烈训练和比赛的职业性的、竞技性的高风险运动；
(2)被保险人在未经国家旅游管理部门许可的旅游景点从事任何高风险运动造成意外伤害事故；
(3)被保险人进行滑翔翼、跳伞活动、任何海拔6,000米以上的户外运动及潜水深度18米以上的活动。
This policy covers popular recreational activities operated by a duly licensed organization and in compliance with safety regulations, such as diving, water skiing, surfing, track skiing, track skating, go-karting, sailing, windsurfing, kayaking, jet skiing, rafting, viewing helicopters, hot air ballooning, horseback riding, mountaineering etc.
BUT high-risk activities in the following situations are excluded:
(1) any professional and competitive sports that engage in intense training and competition for the purpose of gaining fame and wealth by winning the championship;
(2) any high-risk sports at tourist attractions without the permission of the national tourism administration;
(3) hang-gliding, skydiving, any outdoor activities above 6,000 meters, and diving depths above 18 meters.
9. 受保前已存在的疾病及其并发症等保险条款责任免除所列明的情形导致的医疗费用支出，不在本保险医疗费用补偿保障范围内。被保险人在中国大陆境外的中间带指定医疗网络内就医的，可享受医疗费用直付服务，具体网络详见"中间带救援"公众号。被保险人在中国大陆境内就医须前往二级及以上公立医院（仅限普通部）。This insurance does not cover any medical expense caused by the pre-existing diseases and their complications, or any conditions listed in the exclusion clause. Direct-billing service is available for the overseas designated medical network of MediLink-Global Assist, please follow the official WeChat account of MediLink-Global Assist for the details of the designated medical network. Only secondary and above public medical institutionsl (only general department) is available when insured receives medical treatment in mainland China.
10. 如果被保险人在境外发生保险事故后，返回中国大陆需要继续接受治疗的，在理赔时须提供该次保险事故在境外接受首次治疗的就诊证明。If the insured has an insurance accident in overseas and needs further treatment when return to Mainland China, the medical records of initial treatment in overseas for this insurance accident must be provided when settling the claim.
11. 医疗费用补偿责任涵盖被保险人在旅行期间感染2019新型冠状病毒肺炎的治疗费用，本项责任的承担仍应以符合本保险合同的规定为前提。The treatment cost of the insured infected with COVID-19 during travel is coverd by Medical Expenses benefit, and it shall still be subject to compliance with the provisions of this insurance contract.
12. 本保险每一被保险人仅限投保一份。Each insured person of this insurance is limited to take out one insurance policy only.
13、本保险不承保外籍人士在前往原籍国往返途中和回到原籍国内发生的事故。
Foreign nationals are not covered in the event of an accident while traveling to and from their country of origin or returning to their country of origin.
B 提示告知 Notice
为了保证您的利益，请您在投保前，仔细阅读保险条款及投保须知，重点关注保险责任、特别约定、免除保险人责任条款。您可以在收到本保险单后访问本公司官方网站www.pubmi.org查询并核验保险单资料。In order to protect your own interests, please read carefully the terms and conditions of the insurance, enrollment notice, the highlights of insurance liability, special agreements, and exclusions exempting insurer's liability. Upon receiving your insuranc policy, you may visit the website: www.pubmi.org to inquire and verify the policy information accordingly.
众惠财产相互保险社综合偿付能力充足率达到监管要求，且风险综合评级提示操作、战略、声誉和流动风险较小，具体偿付能力指标和风险综合评级结果请查询公司官方网站www.pubmi.org。The comprehensive solvency adequacy ratio of Public Mutual Insurance Corporation meets the regulatory requirements, and the comprehensive risk rating prompts that the operational, strategic, reputation and liquidity risks are minimal. Please consult the company's official website for specific solvency indicators and comprehensive risk rating results www.pubmi.org.
本保险由专业救援机构提供理赔和旅行救援服务。您可以在收到本保险单后，关注微信公众号"中间带救援"查询您的保障项目和服务手册，或申请理赔或其他服务等。中间带救援服务热线：+86 21 52280110。Upon receiving your insurance policy, you may follow the WeChat official account of MediLink-Global Assist to inquire your benefit plan, service mannual, and Rescue and Claim Hotline. During your travel period, we offer rescue and claim services through professioal rescue organization, and MediLink-Global Assist and Claim Hotline is: +86 21 52280110.
C 售后服务 After Sales Services
1、发票须知 Invoicing instruction
本保险提供电子增值税普通票或者纸质增值税专用发票。Electronic Invoice (for General VAT) or Paper Invoice (for Special VAT) are available for your choice.
电子发票：您可在保单详情页面申请并下载，或关注保险公司官网或官方微信公众号申请.
Electronic Invoice (for General VAT) : You may request and download the invoice through the “Policy Details” page, or through the offical website / wetchat account of insurance company.
纸质发票：请您通过帮助中心申请，申请后由保险公司开具发票并在7-14个工作日内寄送，邮寄费用由您自付。对于开具纸质发票的保单，在发生退保时，须将发票原件交回保险公司，邮寄费用由您自付。
Paper invoice (restricted for Special VAT only): You may send your request through the “Help Desk” (http://www.ssish.com/hiif/nowhelpcenter/index.jsp), and the relevant insurance company will foward the Paper Invoice to you by courier within 7-14 working days. If any cancellation or suerender of insurance, you would need to return the original Paper Invoice back to the insurer for tax refunding. Reminder: The courier cost or postage related to Paper Invoice would need to be paid by you/the applicant.
2、理赔须知 Claim instruction
事故通知：
投保人、被保险人或受益人知道保险事故发生后，应当通过中间带救援热线（热线电话：境内拨打+ 021 5228 0110，境外拨打 +86 21 5228 0110）及时报案，报案成功后的沟通也可以在“中间带救援”的公众号进行。
Claim notification: The applicant, insured or beneficiary should notify MediLink-Global Assist the occurrence of an insured event through the 24/7 hotline( +86 21 5228 0110) as soon as their awareness of it . Afterwards, communications through the official WeChat account of MediLink-Global Assist is also available.
理赔申请：请关注“中间带救援”公众号，完成电子会员卡绑定后，即可使用理赔在线申请功能，根据保险事故类型和申请金额提供对应的理赔资料电子版或纸质版。
Claim application: Please follow the official WeChat account of MediLink-Global Assist and bind your member e-card, so as you can use the claim online application function to submit electronic or paper claim documents subject to the type the insured accidents or claim amount.
案件审核：中间带救援在收到完整索赔资料的前提下，于5个工作日内作出核定，如遇复杂情形，可将核定期限延展至30日。
Claim assesment: MediLink-Global Assist will complete the claim assesment in 5 working days in terms of receiving all required claim documents. In case of any complicated claim, it could be extended to 30 days.
赔款支付：对于提供直付服务的保障，您无须垫付资金，由中间带救援与第三方机构直接结算。对于无法提供直付服务的保障，您须先垫付并完成理赔申请，中间带救援审核通过后将及时向被保险人或受益人支付属于保险责任的赔款。
Claim payment: For any benefit with direct-billing service, you don't have to pay in advance. MediLink-Global Assist will settle the bill with the medical service provider directly. For any benefit without direct-billing service, you would need to pay in advance and finish the required claim application. The MediLink-Global Assist shall review the claim documents and expenses whether under the covered benefit plan, and pay the claim to the insured or beneficiary in time.
3、电子保单 E-Policy （electronic policy）
本保险仅提供电子保单，电子保单效力等同于纸质保单，您可在下载电子保单后自行打印。承保成功后，中间带救援将发送电子保单及电子会员卡号到您投保时预留的电子邮箱（如预留被保险人电子邮箱，则优先发送给被保险人），您也可在保单详情页面，或关注保险公司官网或官方微信公众号查询并下载。We provide electronic policy only. The electronic policy is as valid as paper policy, and you may download and print it easily. MediLink-Global Assist will sent the E-Policy and member e-card to your e-mail address automatically and quickly.（If both the applicant and insured email address are available, the insured’s e-mail address will be prioritized for mailing.) In addition, you also can download it through the“Policy Details”page, or through the offical website / wetchat account of insurance company either.
4、退保须知
因任何原因而取消或改变旅行计划，必须在保险合同生效前以书面形式通知到本保险公司，否则本保险公司将不予受理。短期保单生效后不予退保，年单已经生效的申请退保则按条款约定退还未满期保费。
【对公转账】
转账缴费宇泰保险经纪收款账户如下：
开户名称：宇泰保险经纪（北京）有限公司
帐号：110933127010802
开户行：招商银行分行北三环支行
保险资料：
《保险条款》
《责任免除》
《增值服务》
《英文条款仅供参考》
中间带·寰亚洲旅行意外险（互联网）在线官网投保地址（扫二维码购买）：
