Travel Insurance from China Life Insurance Company

The type of insurance is China Life Tourist Accident/Casualty Insurance, of which the policy only covers accidents that occur within China.

I Product Introduction

Insurance coverage: people at the age from 0-85 are covered, while people at the age above 85 are not covered.

Scope of Coverage:

Coverage Program
  Coverage Quota   Scope of Coverage
 juveniles from 0 to 10 years old juveniles above 11 years old & adult
 Accidental death/ Accidental disability  CNY 75,000  CNY 250,000 Within the insurance duration, if the insured is dead or disable due to accidental injuries, the insurer shall pay insurance benefits for accidental death and accidental disability according to agreements, and the accumulated compensation for death insurance benefit and disable insurance benefit shall not exceed the sum of accidental injury insurance premium.
 Accidental medical treatment  CNY18,750  CNY25,000 In the event that the insured  suffers accidental injuries or acute diseases,  the insured shall receive medical treatment in  Class II or higher rated hospitals or hospitals approved by the Company. If the actual expenditure used in accidental injuries is line with the medical expense within the compensation scope of local social basic medical insurance, after the Company deducts the compensation or compensation made by local social basic medical insurance, public medical service or other parties, in term of the balance, the Company shall pay medical insurance benefit in accordance with the compensation proportion agreed. The deductible and compensation proportion of medical insurance benefit shall be determined by the policy holder and the Company, and specified in the insurance policy. If the treatment of the insured is not finished at the expiration of the insurance duration , for the insured receiving outpatient treatment or emergency treatment, the Company shall continue to bear the compensation of the insurance benefit for 15 days counted from the second day of the expiration of insurance duration, for the insured receiving hospitalization treatment, the Company shall continue to bear the compensation of the insurance benefit until the insured discharge from hospital, but it shall not exceed 90 days. Medical insurance benefit paid by the Company is limited to medical insurance premium agreed in this contract. When the compensation in full or accumulated compensation of insurance benefit reaches the maximum of  medical insurance premium agreed in this contract,  medical insurance liabilities specified in this contract shall be terminated.
 Funeral Expense  CNY6,250  CNY25,000 In term of actual expenditure in remains disposal in event that the insured dies due to reasons specified in article one, the Company shall pay funeral insurance premium within the scope of funeral insurance benefit.
Total amount insured  CNY100,000  CNY300,000  
 Premium  CNY12/person  CNY12/person  
 Remarks    If the traveling time is within 20-30 days, the premium shall be counted as : 12+2×extral days

II Insurance Duration

The insurance duration of inbound tour shall start at the time that this contract takes  effect and that the travel itinerary arranged by the travel agency starts, upon the insured’s  arrival, and shall end at the time that the travel itinerary ends and that the insured goes through all departure formalities. The insurance duration of outbound tour shall start at the time that this contract takes  effect and that the insured boards on the transportation tool arranged by the agency at agreed time, and it shall end at the time that the trip ends and that the insured gets off the transportation tool arranged by the agency. If the travel itinerary arranged by the travel agency  is terminated by the insured himself , the insurance duration shall be terminated when the insured terminates the travel itinerary.

III Compensation Standard for Accidental Medical Liability

1.Within the validity of the contract, if the insured suffers accidental injuries, and receives medical treatment in  Class II or higher rated hospitals or hospitals approved by the Company, and the actual expenditure used in accidental injuries is line with the medical expense within the compensation scope of local social basic medical insurance, and after the Company deducts the compensation or compensation made by local social basic medical insurance, public medical service or other parties, and the deductible of 100 yuan agreed in this contract, in term of the balance, the Company shall pay medical insurance benefit by a proportion of 80%, within the scope of insurance premium of accidental medical liability.

2.Travel accidental insurance of China Life  (2013 edition) specially states: for adults of inbound tour(above 11 years old), accidental insurance premium is 250,000 yuan, medical insurance premium is 25,000 yuan, and funeral insurance premium is 25,000 yuan. For juveniles (0-10 years old), accidental insurance premium is 75,000 yuan, medical insurance premium is 18,750 yuan, and funeral insurance premium is 6,250 yuan

IV Notes for Insurance Purchase
1.After buying the insurance, if the policy holder need to inquire about the latest compensation information and specific terms and articles, please visit www.e-chinalife.com for enquiry and reading.

2.If there is an insurance accident, please dial 95519 within 48 hours after the accident. For this, the beneficiary shall print the electronic insurance policy of the travel insurance, and run through compensation formalities by presenting certificate of identification, electronic insurance policy, relevant  certificates for accident and other information required by the Company. The beneficiary of the insurance benefit  is the legal successor of the insured, and except the death insurance benefit, the beneficiary of the other insurances is the insured himself.

V Exemption From Liability

If the death or disability of the insured or medical expenditure is caused by  any of the following circumstances, the Company shall not bear liabilities in paying for death  insurance benefit, disable insurance benefit or medical insurance benefit.

1.Items that the Company shall not bear liabilities, specified in special agreements of  the insurance policy;

2.The policy holder makes intentional killing and intentional injury to the insured;

3.The insured commits intentional crime or refuses to take criminal coercive measures in accordance with law;

4.The insured commits suicide or deliberately commits suicide, but not including the person without capacity of civil conduct who commits suicide or deliberately commits suicide;

5.The insured suffers a sudden death, unless otherwise agreed;

6.The insured takes participate in a fight, gets drunk, takes drugs or injects drugs;

7.The insured drives after gets drunk, drives without a valid driver’s license, or drives a motor vehicle without a valid vehicle license;

8.The insured takes participate in high-risk sports as diving, parachuting, rock climbing, adventure, martial arts competition, wrestling competition, acrobatic performance, horse racing and auto racing;

9.The insured has prenatal examination and postpartum examination, gestation(including ectopic pregnancy), miscarriage(including induced abortion), delivery (including cesarean section), contraception, sterilization, treatment of infertility and complications caused by the aforementioned;

10.The insured suffers a medical negligence due to cosmetic surgery or other internal and surgical operations;

11.The insured uses or takes drugs without doctors’ permission(not including the using of nonprescription drugs according to instructions for use);

12.The insured has a treatment and rehabilitation of disability before buying the insurance;

13.The insured suffers a disease, and not suitable for a travel, when buying the insurance ;

14.The insured takes a vehicle which has no permission from the related state department;

15.The insured has a medical treatment in a rehabilitation hospital, joint clinic, private hospital, private clinic, family sickbed and fake hospitalization;

16.War, military conflict, riot or armed rebellion;

17.Nuclear explosion, nuclear radiation or nuclear pollution.

This contract shall be terminated if the death of the insured is caused by any of the above circumstances lead to the death of the insured. In the event that there is not compensation of insurance benefit, the Company shall return the cash value the contract. But if the death of the insured is caused by intentional killing or harm made by the policy holder, the Company shall return the cash value of this contract as the insured’s heritage. In the event that the insurance benefit has been paid, the Company shall not return the cash value.
 
China Life Insurance Company Official Website:

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