baoxian 
保险公司：华泰财产保险有限公司北京分公司
产品特色：
投保须知
Enrollment Information
1.本产品由华泰财产保险有限公司承保（以下简称“华泰财险”）,目前该公司在北京、上海、天津、重庆、江苏、广东、陕西、四川、云南、辽宁、浙江、河北、湖南、湖北、安徽、山西、福建、山东、广西、河南、江西、深圳、青岛、大连、宁波、贵州、内蒙古、厦门、黑龙江、新疆、宁夏、吉林、甘肃设有分支机构。
This product is underwritten by Huatai Property and Casualty Insurance Company Limited (hereinafter referred to as "Huatai Property and Casualty Insurance"), which has branches in Beijing, Shanghai, Tianjin, Chongqing, Jiangsu, Guangdong, Shaanxi, Sichuan, Yunnan, Liaoning, Zhejiang, Hebei, Hunan, Hubei, Anhui, Shanxi, Fujian, Shandong, Guangxi, Henan, Jiangxi, Shenzhen, Qingdao, Dalian, Ningbo, Guizhou, Inner Mongolia, Xiamen, Heilongjiang, Xinjiang, Ningxia, Jilin and Gansu.
2.华泰财险偿付能力充足率已达到监管要求，您可进入华泰财险官网（http://pc.ehuatai.com）→点击“公开信息披露”→在“专项信息”→“偿付能力”中进行查询。
The solvency ratio of Huatai Property and Casualty Insurance has met the regulatory requirements. You can check the solvency ratio of Huatai Property and Casualty Insurance on the official website of Huatai Property and Casualty Insurance (http://pc.ehuatai.com) → click on "Disclosure of Public Information" → "Special Information" → "Solvency". You can check "Solvency" in "Specialized Information".
3.承保年龄：本保险的承保年龄限满28天至85周岁。71至85周岁的被保险人"旅行医疗费用"责任的保险金额以30万元为上限。
Age of Coverage: The age of coverage is limited to 28 days to 85 years of age, with a maximum benefit of RMB300,000 for "Travel Medical Expenses" for insured persons between the ages of 71 and 85 years of age.
4.承保区域：中国大陆境外，亚洲地区（除尼泊尔）
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。
Coverage area: Asia(excluding Nepal)，Outside China Mainland
This insurance does not cover any accidents directly or indirectly caused by planned or actual travel to or through Iran, Syria, North Korea or during travel in the above countries or regions.
5.投保份数：本保险每一被保险人限投一份，若同一个被保险人就同一旅行同时投保本保险公司2份（或以上）任何旅行险或航空意外险（不包括团体保险），则仅按相同保险利益中保额最高者做出赔偿。
Number of insurance policies：The Insured can apply only coverage at the same insurance period in Huatai,and if the same insured person carries out the same trip against2(or above)any travel or aircraft insurance products (excluding group insurance) at the same time,only the highest amount insured in the same insurance interest is made to make compensation.
6.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（包括大陆，香港，澳门，台湾地区）境外的被保险人。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。
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 China（Mainland, Hongkong, Macao, Taiwan) before the effectiveness of insurance. 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.
7.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.
8.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.
9.如未指定受益人则身故保险金按照继承法相关规定处理，非身故类保险金受益人为被保险人本人。
If no beneficiary is designated, the death benefit will be handled in accordance with the relevant provisions of the Inheritance Law, and the beneficiary of the non-death benefit will be the insured person himself/herself.
10.对于未成年人作为被保险人的人身保险，在被保险人成年之前，被保险人死亡时各保险公司实际给付的保险金总和按以下限额执行：（一）对于被保险人不满10周岁的，不得超过人民币20万元。（二）对于被保险人已满10周岁但未满18周岁的，不得超过人民币50万元。
For life insurance with a minor as the insured, the total amount of insurance benefits actually paid by each insurance company in the event of the insured's death before the insured reaches the age of majority shall be subject to the following limits:
(1) Not more than RMB 200,000, if the insured is under 10 years old;
(2) Not more than RMB 500,000, if the insured has reached 10 years old but is under 18 years old.
11.本保险不承保范围：患癫痫病、精神病或精神分裂等疾病的人员；境外旅行的目的为了诊疗或就医的人员；执业医师建议不适合境外旅行的人员；妊娠人员；被保险人因既往疾病及相关的并发症和慢性病导致被保险人身故、残疾及医疗费用支出等均属于除外责任。慢性病包括不仅限于高血压、脑梗塞、冠心病、糖尿病、慢性呼吸系统疾病、慢性肝病、慢性肾病、结石等。
The insurance does not cover: people suffering from epilepsy, mental illness or schizophrenia; Persons who travel abroad for the purpose of diagnosis or treatment; Those who are not suitable for overseas travel are recommended by the licensed doctor; Pregnant personnel; The death, disability and medical expenses of the insured due to previous diseases and related complications and chronic diseases are excluded. Chronic diseases include not only hypertension, cerebral infarction, coronary heart disease, diabetes, chronic respiratory diseases, chronic liver diseases, chronic kidney diseases, stones, etc.
12.本产品仅“附加旅行医疗费用”责任下包含新型冠状病毒感染的治疗费用，不承保因新型冠状病毒肺炎导致的其他保险事故。针对新型冠状病毒检测费用为除外责任。如被保险人在离开中国大陆境内（不含港澳台地区）前未完成新冠疫苗接种，对于被保险人罹患新型冠状病毒感染导致的医疗费用，保险人不予赔付。
This product only covers the cost of treatment for novel coronavirus infection under the "Additional Travel Medical Expenses" liability, and does not cover other incidents caused by novel coronavirus pneumonia. The cost of testing for novel coronavirus is excluded. If the insured person does not complete the New Coronavirus vaccination prior to departure from mainland China (excluding Hong Kong, Macau and Taiwan), the insurer will not pay for the medical expenses resulting from the New Coronavirus infection.
13.本保险单次旅行最长承保时间为183天。
The maximum period of coverage under this insurance is 183 days for a single trip.
14.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 person returns to mainland China after an accident outside of China and requires further treatment, proof of the first treatment received outside of China for that accident must be provided at the time of claim settlement.
15.本保险拓展承保被保险人参加户外运动期间的意外伤害，本保险拓展的户外运动包含被保险人参加的，由具有正规营业执照或资质的公司或单位组织的，非比赛性、非职业性及非商业性的体育运动：潜水、滑雪、滑水、热气球、蹦极、冲浪、风筝冲浪、攀岩、速降、自行车、徒步、野外穿越、野外定向、登山、溯溪、骑马、皮划艇、帆船、野战、拓展训练、漂流、自驾车。另外参与潜水的人员需要具备CMAS国际潜水合格证、潜水教练专业协会（PADI）资质证书或其他类似资质认证证书或在合格教练陪伴下潜水。在前述情形下，潜水深度不得超过所获CMAS际潜水证、PADI资质证或其他类似资质认证证书注明的深度，最大潜水深度以30米为限，且个人不得独自潜水。
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 insurance covers accidental injury during the insured person's participation in outdoor sports, which include non-competitive, non-professional and non-commercial sports organized by a company or unit with a formal business license or qualification: diving, skiing, water skiing, hot air ballooning, bungee jumping, surfing, kite surfing, rock climbing, rappelling, bicycling, hiking, wilderness traversing, orienteering, mountaineering, river trekking, horseback riding, kayaking, sailing, wilderness warfare, extended training, rafting, self-driving, orienteering, mountaineering, stream-tracking, horseback riding, kayaking, sailing, wilderness warfare, outreach training, rafting, and self-driving. In addition, divers must have a CMAS International Diving Certificate, a Professional Association of Diving Instructors (PADI) certificate or other similar certification or be accompanied by a qualified instructor. In the aforementioned cases, the dive depth must not exceed the depth stated in the CMAS, PADI or other similar certification, and the maximum dive depth is limited to 30 meters, and the individual must not dive alone.
Except for high-risk activities in the following circumstances:
(1) Professional, competitive high-risk sports in which the insured person engages in intense and intense training and competition for the purpose of gaining fame, fortune and wealth by winning a competition;
(2) Accidental injury caused by the insured person engaging in any high-risk sport at a tourist attraction not licensed by the national tourism administration;
(3) The insured person engages in gliding, parachuting activities, any outdoor sports above 6,000 meters above sea level and diving activities above 18 meters in depth.
16.退保规则：保单生效前可全额退保，保单生效后若申请退保，则仅退还未满期保险费，未满期保险费=保险费×[1-(保险期间已经过天数/保险期间天数)] 。已经过天数不满1天的按照1天计算。
Surrender Rules：The policy can be surrendered in full before the effective date of the policy. If you apply for surrender after the effective date of the policy, only the unexpired premium will be refunded, and the unexpired premium = Premium x [1 - (Number of days that have elapsed during the period of insurance / Number of days during the period of insurance)]. If the number of elapsed days is less than 1 day, it will be calculated according to 1 day.
17.保单形式：网上投保为您提供电子保单，根据《中华人民共和国民法典》第十一条规定，数据电文是合法的合同表现形式，电子保单与纸质保单具有同等法律效力。
Policy form：Online Insurance provides you with an electronic policy. According to Article 11 of the Civil Code of the People's Republic of China, data message is a legal form of contractual expression, and an electronic policy has the same legal effect as a paper policy.
18.保险人根据投保人的投保申请，在投保人按约定交付保险费后，依据本合同的所附条款及特别约定，承担保险责任。请仔细阅读并理解保险条款《华泰财险境外旅行人身意外伤害保险（互联网专属）条款-注册号：C00015432312022021814513》、《华泰财险附加旅行医疗费用保险（互联网专属）条款-注册号：C00015432522021120202633》、《华泰财险交通工具意外伤害保险（互联网专属）条款-注册号：C00015432312021112200993》、《华泰财险公共交通工具意外伤害保险（互联网专属）-注册号C00015432312021121316113》、《华泰财险附加旅行住院津贴保险（互联网专属）条款-注册号：C00015432522021120202643》、《华泰财险附加突发性疾病身故保险条款-注册号：C00015431922021091702583》、《(华泰财险)(备-普通家财险)【2018】(附) 005号-华泰财险附加个人行李及随身物品保险》、《(华泰财险)(备-普通家财险)【2018】(附) 016号-华泰财险附加旅行证件丢失保险》、《（华泰财险)(备-普通家财险)【2018】(附) 025号-华泰财险附加个人现金丢失保险》、《华泰财险附加行李延误保险（B款）-注册号：C00015431922019071204532》、《华泰财险附加旅程延误保险（B款）-注册号：C00015431922019071204522》、《华泰财险附加旅程取消保险（B款）-注册号：C00015431922020092201892》、《(华泰财险)(备-其他)【2018】(附) 024号-华泰财险附加医疗运送和送返保险》、《(华泰财险)(备-其他)【2018】(附) 004号-华泰财险附加未成年子女及旅伴送返保险》、《(华泰财险)(备-其他)【2018】(附) 018号-华泰财险附加住院探望保险》、《(华泰财险)(备-责任保险)【2018】(附) 014号-华泰财险附加旅行个人第三者责任保险》、《(华泰财险)(备-其他)【2018】(附) 008号-华泰财险附加被劫持补偿保险》的全部内容，特别是责任免除、保险责任、费用扣除、退保、投保人、被保险人义务等内容，请务必仔细阅读产品条款和电子保单的特别约定。
The insurer, based on the policyholder's application for insurance, will assume the insurance liability based on the attached terms and special agreements of this contract after the policyholder has paid the premium as agreed. Please read and understand the terms and conditions carefully，《华泰财险境外旅行人身意外伤害保险（互联网专属）条款-注册号：C00015432312022021814513》、《华泰财险附加旅行医疗费用保险（互联网专属）条款-注册号：C00015432522021120202633》、《华泰财险交通工具意外伤害保险（互联网专属）条款-注册号：C00015432312021112200993》、《华泰财险公共交通工具意外伤害保险（互联网专属）-注册号C00015432312021121316113》、《华泰财险附加突发性疾病身故保险条款-注册号：C00015431922021091702583》、《(华泰财险)(备-普通家财险)【2018】(附) 005号-华泰财险附加个人行李及随身物品保险》、《(华泰财险)(备-普通家财险)【2018】(附) 016号-华泰财险附加旅行证件丢失保险》、《（华泰财险)(备-普通家财险)【2018】(附) 025号-华泰财险附加个人现金丢失保险》、《华泰财险附加行李延误保险（B款）-注册号：C00015431922019071204532》、《华泰财险附加旅程延误保险（B款）-注册号：C00015431922019071204522》、《华泰财险附加旅程取消保险（B款）-注册号：C00015431922020092201892》、《(华泰财险)(备-其他)【2018】(附) 024号-华泰财险附加医疗运送和送返保险》、《(华泰财险)(备-其他)【2018】(附) 004号-华泰财险附加未成年子女及旅伴送返保险》、《(华泰财险)(备-其他)【2018】(附) 018号-华泰财险附加住院探望保险》、《(华泰财险)(备-责任保险)【2018】(附) 014号-华泰财险附加旅行个人第三者责任保险》、《(华泰财险)(备-普通家财险)【2018】(附) 015号-华泰财险附加旅行家居保障保险》、《(华泰财险)(备-其他)【2018】(附) 008号-华泰财险附加被劫持补偿保险》、《(华泰财险)(备-其他)【2018】(主) 009号-华泰财险签证拒签保险》，In particular, please be sure to read the product terms and conditions and the special covenants of the e-policy carefully, especially the exclusion of liability, insurance responsibility, deduction of expenses, surrender of the policy, and the obligations of the policyholder and the insured.
19.本保险产品为互联网销售保险产品，网上投保、网上支付、网上即时核保并出具电子发票，您可以通过电子发票自助申请系统（http://ahchudan.pc.ehuatai.com/htfp），或进入华泰财险微信公众号“华泰财险e商城”“客户服务”项目中找到“电子发票”项目，自主获取电子发票，如需咨询、查询、验真或投诉请拨打华泰客服电话4006095509。
This insurance product is an internet-sold insurance product, online insurance, online payment, online instant underwriting and electronic invoice, you can obtain the electronic invoice through the electronic invoice self-application system (http://ahchudan.pc.ehuatai.com/htfp), or enter the Huatai Property and Casualty Insurance WeChat public number "Huatai Property and Casualty Insurance e-Mall" to find the "electronic invoice" item. You can apply for e-invoice through the e-invoice self-application system (), or enter the "e-Mall of Huatai Property Insurance" on Huatai Property Insurance's WeChat public number, and find the "e-invoice" item in the "Customer Service" program, and obtain the e-invoice on your own. If you need to make any inquiry, query, check the authenticity, or make any complaint, please call the customer service hotline of Huatai at 4006095509.
20.保险人保证对投保人、被保险人和受益人信息，采取技术措施和其他必要措施，严格保障客户信息安全，不将客户信息提供给报信交易活动当事人意外的其他单位和人员，法律法规、部门规章、规范性文件或另有规定的除外。
The insurer guarantees that it will take technical measures and other necessary measures to strictly safeguard the security of customer information in respect of the information of policyholders, insured persons and beneficiaries, and will not provide customer information to other units and persons who are not accidental to the parties involved in the transaction activities of the newsletter, except for laws, regulations, departmental rules, normative documents, or as otherwise provided for.
21.如对本保险产品有任何咨询、报案或投诉问题，请拨打华泰保险客户服务热线：4006095509，我们将竭诚为您服务。
If you have any inquiries, reports or complaints about this insurance product, please call Huatai Insurance Customer Service Hotline: 4006095509, we will be happy to serve you.
22.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.
23.如涉及医疗直付的理赔案件，保险公司同意接受中间带签约的境外医疗机构提供的电子版理赔材料。
If a claim case involving direct medical payment is involved, the insurance company agrees to accept electronic claims materials provided by overseas medical institutions with intermediary contracts.
*英文仅供参考，最终解释以中文为准。（English is for reference only, final interpretation is subject to Chinese.）
中间带·寰亚洲旅行意外险（华泰版）互联网在线官网投保地址（手机扫描二维码）：
