美亚“乐悠游”境外旅行保障计划(互联网版)

承保年龄:1-80周岁
适用人群:普通群众
保险期限:全年
保单形式:电子保单
保险条款:查看保险条款
免责条款:查看免责条款

| 保险计划
基本版 增强版 亚洲版 亚洲增强版 海岛版 海岛增强版
意外身故及伤残保障 (18周岁以上成年人) 20万 20万 20万 20万 20万 20万
意外身故及伤残保障 (1-17周岁未成年人) 20万 20万 20万 20万 20万 20万
急性病身故 3万 3万 3万 3万 3万 3万
医药补偿(含住院及门诊医药费用) 5万 5万 5万 5万 5万 5万
每日住院津贴 (总赔偿日数以90天为限) 100元/天 100元/天 100元/天 100元/天 100元/天 100元/天
医疗运送和送返 40万 40万 40万 40万 40万 40万
身故遗体送返 (其中丧葬费用以人民币16,000元为限) 8万 8万 8万 8万 8万 8万
旅行延误 (每5小时延误赔偿额:人民币300元) 600 / 600 / 600 /
旅行延误 (每3小时延误赔偿额:人民币300元) / 600 / 600 / 600
银行卡盗刷 (不适用于未成年人) 5,000 5,000 5,000 5,000 5,000 5,000
旅行者随身财产 2,500 2,500 2,500 2,500 2,500 2,500
旅行证件遗失 4,000 4,000 4,000 4,000 4,000 4,000
个人责任 8万 8万 8万 8万 8万 8万


1、本保险不承保任何直接或间接由于计划或实际前往或途经古巴、伊朗、叙利亚、朝鲜、克里米亚地区,或在上述国家或地区旅行期间发生的保险事故。
This policy will not cover any loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Cuba, Iran, Syria, North Korea or the Crimea region.

2、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 policy will not cover any terrorist or member of a terrorist organization, narcotics trafficker, or illegal purveyor of nuclear, chemical or biological weapons defined by any country or international organization.

3、本保险仅承保在境内常住的被保险人,不承保非在境内常住的任何人。本合同所称的境内常住是指投保时的前一个自然年度内在境内的居住时间累计达到或超过183天。
This policy offers coverage only to individuals ordinarily resident within the territory and is null and void as to non-residents within the territory. Any insured shall live within the territory reached or exceeded 183 days in the previous calendar year at the time of applying this policy.

4、本保险不承保在投保本保障计划时已置身于境外的被保险人。
This policy will not cover the insured person be outside of territory before this insurance is purchased.

5、投保人需在首次旅行出发前投保并交付保险费以保证保险及时起保。本保险的保险期间以北京时间为准,对于跨时区的旅行,请务必投保全程。
Policyholder shall make full payment of premium to effect the policy before departure of the first journey. The policy period is subject to Beijing time. For journeys across time zones, please make sure the whole journey is covered.

6、本保险的投保年龄:成年人为18-80周岁,未成年人为1-17周岁。
The insured person shall be at age 18-80 as adult and 1-17 as minor.

7、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。
Any cancellation or change of the insured travel need to be notified to the insurance company in writing before policy becomes effective, or the insurance company will not handle the change request.

8、若被保险人为同一旅行自愿投保由本保险公司承保的多种综合保险(不包括团体保险),且在不同保障产品中有相同保险利益的,则本保险公司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。
If the insured person applies and owns several policies (excluding group policies) issued by the Company for the same travel, the Company will only pay beneficiary same benefit once under the policy which offers highest benefit amount and return corresponding premium for the benefits in other policies.

9、保险合同项下应付保险费含适用的增值税。
The premium payable under this policy is inclusive of any Value Added Tax (VAT) that applies.

10、 特别声明:自2020年1月25日零点之后投保美亚财险旅行险的,新型冠状病毒肺炎疫情为已知风险。根据美亚财险旅行险项下旅行延误、旅行变更(取消或缩短)、旅行取消和旅行缩短四种附加保障对应保险合同条款的约定,该已知风险属于责任免除,对于由该已知风险导致的前述附加保障合同项下的保险事故,美亚财险不承担任何保险责任。
Special declaration: For any travel insurance policy purchased after 12 a.m. on January 25, 2020, 2019-nCoV (also known as “COVID-19”) shall constitute a known risk. Pursuant to the policy wordings applicable to Travel Delay, Travel Disruption (cancellation or curtailment), Travel Cancellation and Travel Curtailment, any such known risk is excluded. Therefore, coverage for COVID-19 will not be provided under those four policy benefits.

重要提示:
Important Reminders:

1、为了保障您自身的权益,请在确认投保本保险前,仔细阅读理解保险合同的各项规定,尤其是免除保险人责任的规定。保险条款可通过保险公司业务人员获得或登陆保险公司网站http://www.aig.com.cn查阅。请在投保之前致电:4008208858或向保险公司业务人员询问保险合同各项规定,并听取保险公司业务人员的说明。请确保您对保险公司业务人员的说明完全理解,没有异议。如未询问,则视同已经对合同内容完全理解并无异议。
In order to protect your own interests, please read carefully the terms and conditions of this Policy, especially those terms and conditions excluding or limiting the liability of the Company under the Policy. The policy wording is available from our salespersons or on our website: http://www.aig.com.cn/. Please call our service hotline 4008208858 or contact our salespersons to enquire the terms and conditions of this Policy. Please make sure that you fully understand the explanations of our salespersons. With no enquiry, you are deemed to have fully understood the terms and conditions of this Policy.

2、本投保单/投保申请、保险条款、保险单、批单或批注(如有)及其它约定书(如有)均为保险合同的构成部分。
This application form, policy wording, Schedule, any endorsement attached hereto or marked thereon (if any) and any other written agreement (if any) shall form integrated parts of this Policy.

3、美亚财产保险有限公司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.aig.com.cn
The combined solvency adequacy ratio of AIG Insurance Company China Limited (the Company) has met the requirement of CIRC, and the Integrated Risk Rating indicates that the operational risk, strategic risk and liquidity risk are relatively low. For the detail solvency indices and the results of Integrated Risk Rating, please refer to our official website www.aig.com.cn.

投保人/被保险人声明

1、本人兹申请美亚财产保险有限公司(以下简称“贵公司”)的上述旅行保障计划,并声明以上陈述及各项细节均真实无讹,且没有隐瞒任何重大事实以影响贵公司评估风险或接受本投保申请。
I/We hereby apply for AIG International JourneySafe Travel Protection Plan and declare that the statements and information given in this application are, to the best of our knowledge and belief, true and complete and that this application will form part of the basis of the Policy with AIG Insurance Company China Limited (the Company or AIG).

2、本人确认:本人已经认真阅读保险合同规定,尤其是免除保险人责任的规定,并对贵公司就保险合同的内容说明和提示完全理解,没有异议,申请投保。本人知晓所有保险责任均以本保险合同所载为准。
I/We acknowledge that before applying for the insurance, I have read carefully the terms and conditions of this Policy, especially those terms and conditions excluding or limiting the liability of the Company under the Policy, and fully understand explanation and reminder. I/We understand that all insurance coverage is subject to the terms and conditions of this Policy.

3、 本人同意本投保单/投保申请将会构成投保人与贵公司所签署的保险合同的依据,若未能披露与本保险相关之重大事实将可能导致贵公司不承担任何保险责任。保险合同生效日期以保险单所载生效日期为准,贵公司承担保险责任须以投保人缴付约定保险费并经贵公司同意承保为前提。
I/We understand and agree that this application form shall be the basis of insurance policy between Policyholder and the Company, and the Company may not be liable for any benefit if there’s failure to disclose any significant truth related to the insurance. The insurance policy effective date is subjected to the effective date stated on policy schedule, and the Company is liable for insurance benefits subject to full premium collection and the approval of the Company.

4、本人现获悉及保证:被保险人绝不会违反医生的劝告及旅行目的不在于治疗疾病,被保险人现在身体健康并无任何不适宜旅行的精神状态或身体状况,且对任何可能导致旅行取消或中断的状况并不知晓。
I/We hereby acknowledge and warrant that the Insured Person(s) shall not travel contrary to the advice of any medical practitioner or in order to obtain medical treatment, is physically and mentally fit to travel; do not know of any condition, cause or circumstance existing that may necessitate the cancellation or curtailment of the journey.

5、本人明白: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,否则贵公司可能对超出限额的部分不承担保险责任。
I/We hereby understand that special notice should be given to the insurer where the death benefit offered by all the commercial insurance policies for any insured under 18 years old exceed such death benefit limit for person under 18 years old as specified by China Insurance Regulator (viz. RMB 200,000 if aged under 10 years old or RMB 500,000 if aged at 10-17 years old), otherwise, the Company may not be liable for any amount in excess of the regulatory limit.

6、本人明白:于订立本保险合同时或因履行本保险合同发生争议时,本人可与贵公司协商一致选择以诉讼或仲裁的方式,解决因履行保险合同发生的争议。
I/We fully understand that any dispute arising from performance of this insurance contract shall be settled by litigation or arbitration to be chosen upon negotiation with the Company when such dispute occurs or when the contract is concluded.

7、 本人确认已阅读并理解贵公司在官网发布的隐私政策(https://www.aig.com.cn/individuals/privacy-notice),并自愿同意贵公司根据该隐私政策处理(包括不限于收集、使用、向境内外第三方提供)我/我们(即本人和所有被保险人)的个人信息(该信息无论是从本投保单还是其他地方获得),以实现该隐私政策中“我们使用个人信息的目的”项下所述的目的。
I/we confirm that I/we have read and fully understood AIG’s Privacy Policy published on AIG’s official website (https://www.aig.com.cn/individuals/privacy-notice), and voluntarily consent to the Company’s handling (including but not limited to collecting, using, providing to third parties (within or outside of China)) my/our (i.e. I and all the insureds) Personal Information (contained in this application form or otherwise obtained), in accordance with the aforesaid AIG’s Privacy Policy and for the purposes specified under the section “How do we use Personal Information” of the aforesaid AIG’s Privacy Policy.

本人理解,根据《个人信息保护法》,贵公司在某些规定的情形下处理个人信息应当获得我/我们的单独同意。为此,本人通过勾选以下相应的勾选框,确认单独同意在下述情形下处理我/我们的个人信息。本人确认,如果本人为未满十四周岁的未成年被保险人勾选以下相应的勾选框,本人(1)作为该未成年人的父母或监护人单独同意贵公司在下列情形处理该未成年被保险人的个人信息;或(2)已向其父母或监护人提供了贵公司的隐私政策,并获得了其就贵公司在下述情形下根据隐私政策处理该未成年被保险人个人信息的有效同意(包括单独同意)。如果本人为其他被保险人勾选了以下相应的勾选框,本人已经(1)向该被保险人提供了贵公司的隐私政策,并(2)向该被保险人获得了《个人信息保护法》所要求的、就贵公司在下述情形下根据隐私政策处理其个人信息的有效同意(包括单独同意)。
I/we understand that under the Personal Information Protection Law (“PIPL”), AIG is required to obtain my/our separate consent in certain prescribed circumstances of processing Personal Information. To this end, I/we indicate my/our separate consent for the handling of my/our Personal Information in relation to the below circumstances by checking the appropriate checkboxes below. I/we confirm that, by checking the appropriate checkboxes below for and on behalf of Insured Persons who are minors below 14 years, I/we (1) as the parent or guardian of the minors, separately agree to the handling of Personal Information of such minors by the Company in the below circumstances; or (2) have provided the parents or the guardian of the minors with AIG’s Privacy Policy and obtained their valid consent (including separate consent) from them for the Company to handle Personal Information of such minors in relation to the below circumstances and in accordance with AIG’s Privacy Policy. By checking the appropriate checkboxes below for and on behalf of other Insured Persons, I/we have (1) provided the Insured Persons with AIG’s Privacy Policy and (2) obtained the valid consent (including separate consent) under the PIPL from the said Insured Persons for the Company to handle their Personal Information in relation to the below circumstances and in accordance with AIG’s Privacy Policy.

本人理解,我/我们的同意必须自愿给予。但如果不作出此类同意,贵公司可能无法提供部分或全部服务或产品,因为此类个人信息以及下文所述的具体处理活动是贵公司提供本保险项下服务和产品所必需的。
I/we understand that my/our consent must be voluntarily provided but that if I/we do not provide such consent, AIG may not be able to provide some or all of its services or products as such Personal Information and the specific handling activities disclosed below are necessary for AIG to provide such services and products.

(1)本人同意由贵公司处理我/我们的个人信息(这些信息可能含有贵公司隐私政策中“我们收集并持有的个人信息”项下所述的敏感个人信息),用于贵公司隐私政策中“我们使用个人信息的目的”项下所述的目的。《个人信息保护法》规定,敏感个人信息包括特定身份、医疗健康、金融账户、行踪轨迹、不满十四周岁未成年人的个人信息。
I/we agree to the handling of my/our Personal Information, by AIG, which may constitute sensitive personal information as set out under the section “What Personal Information do we collect and hold” of AIG’s Privacy Policy, for the purposes set out under the section “How do we use Personal Information” of the said privacy policy. The PIPL provides that sensitive information includes information on specially-designated status, medical health, financial accounts, individual location tracking, as well as the personal information of minors under the age of 14.
– 投保人Policy Holder
– 被保险人1Insured Person 1
– 被保险人2Insured Person 2
– 被保险人3Insured Person 3

(2)本人同意我/我们的个人信息可能会被披露或提供给贵公司隐私政策中“个人信息的分享方” 项下所述的第三方。
I/we agree that my/our Personal Information may be disclosed or provided to third parties as described under the section “Who is Personal Information shared with” of AIG’s Privacy Policy.
– 投保人Policy Holder
– 被保险人1Insured Person 1
– 被保险人2Insured Person 2
– 被保险人3Insured Person 3

(3)本人同意我/我们的个人信息可能会根据贵公司隐私政策中“个人信息处理地点”项下所述在中国境外处理,并提供给隐私政策中“个人信息的分享方”项下所述中国境外的接收方。
I/we agree that my/our Personal Information may be processed outside of China as described under the section “Where do we process Personal Information” of AIG’s Privacy Policy and provided to recipients outside of China as described under the section “Who is Personal Information shared with” of AIG’s Privacy Policy.
– 投保人Policy Holder
– 被保险人1Insured Person 1
– 被保险人2Insured Person 2
– 被保险人3Insured Person 3

如果本人提供了其他个人的个人信息,本人确认已向其他个人提供了贵公司的隐私政策,并获得了其就贵公司根据隐私政策处理其个人信息的有效同意。所述同意包括在处理其敏感个人信息、向第三方披露其个人信息、向中国境外接收方提供其个人信息以及在中国境外处理其个人信息方面的单独同意。
Where I/we have provided Personal Information of other individuals, I/we confirm that I/we have provided these individuals with AIG’s Privacy Policy and obtained their valid consent for AIG to handle Personal Information in accordance with the said Privacy Policy. This includes obtaining separate consent for the handling of their sensitive information, disclosure of their Personal Information to third parties, the provision of Personal Information to recipients outside of China and the processing of their Personal Information outside of China.

8、本人声明并确认已经就本保险投保事宜及保险金额(包括但不限于死亡保险金额)征得各被保险人的同意。
I declare and confirm that I have obtained the insureds’valid consent to application for this insurance and the insured amounts (including but not limited to the insured amounts paid upon death).

我接受—我已阅读并同意上述须知、声明及保险条款,并知晓所有保险责任均以保险合同所载为准,所有保险合同的变更均经保险公司正式程序修改或批注。

保险服务提示

1、本计划由美亚财产保险有限公司上海分公司承保。美亚财产保险有限公司目前在上海、北京、广东省、江苏省、浙江省设有相关分支机构,您通过本平台购买的保险产品,后续变更与理赔事务均可通过美亚财产保险有限公司客服热线400-820-8858协助您办理。

2、发票须知:
– 本保险提供电子普票或者纸质发票,请关注“美亚客服小程序”在线申请。
– 电子发票效力等同于纸质发票。纸质发票在申请后7-14个工作日内寄送,使用到付方式邮寄
– 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,并由投保人承担由此产生的快递费用

3、理赔须知:
– 保险事故通知:投保人、被保险人或受益人知道保险事故发生后,应当及时通知保险公司(美亚财险客服热线400-820-8858)。
– 资料提交:请关注“美亚客服小程序”在线申请,根据保险事故类型和申请金额提供电子版或纸质版资料。
– 理赔审核:美亚财险在收到完整索赔资料的前提下,于5个工作日内作出核定,并于作出核定后1个工作日内通知申请人;如遇复杂情形,可将核定期限延展至30日。
– 结案支付:美亚财险将理赔结果通知被保险人/受益人/投保人,属于保险责任的案件将及时支付保险金。

4、电子保单:
本保险仅提供电子版本的保险单,根据预留的电子邮件地址发送电子版本的保险单,投保人可关注“美亚客服小程序”查询及下载电子保单。

5、保费支付方式:
投保人将会以电子方式支付保险费,具体以投保支付环节的约定为准。

本人已阅读本次所投保保障相对应《投保须知》、《投保声明》、《重要提示》、《美亚保险服务提示》和《保险合同条款》的全部内容,了解并接受包括免除保险公司责任条款、费用扣除、退保等在内的重要事项;同时,理解并接受上述各项授权与申明及美亚财产保险有限公司就可能在上述区域外承保本人本次投保申请后在退保、理赔等服务事项方面可能存在的服务到位性或时效性等问题所作的提示。

1、美亚附加经济制裁责任免除条款
兹经双方理解并同意,若本公司/保险人在本保险合同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公司/保险人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,则本公司/保险人在本保险合同项下不提供前述保险保障、利益,亦不支付前述保险赔偿金。

2、附加传染病旅行限制责任免除条款
兹经双方理解并同意,任何直接或间接由于下列情形引起的,与之有关的,或可归因于之的保险事故,或保险事故发生于下列期间,或出现下列情形时,本公司不负任何赔偿责任:
因与任何级别的政府部门或机构、官方公共卫生机构或世界卫生组织宣布的传染病或流行病(包括但不限于新型冠状病毒(COVID-19)或该病毒变异、变形、变种等导致的传染病或流行病)相关的命令、建议、法规、指令、关闭边境、关闭省级或市级边界而造成的旅行限制。
本附加条款适用于主合同及其所有附加合同。

3、附加传染病责任免除条款
兹经双方理解并同意,任何直接或间接由于下列情形引起的,与之有关的,或可归因于之的保险事故,或保险事故发生于下列期间,或出现下列任一情形时,本公司不负任何赔偿责任:
(1) 任何级别的政府部门或机构、官方公共卫生机构或世界卫生组织宣布的任何传染病或流行病(包括但不限于新型冠状病毒(COVID-19)或该病毒的任何变异、变形、变种等导致的传染病或流行病)及其相关疫情事件和措施;
(2) 世界卫生组织或任何其他国际性卫生组织宣布为国际关注的突发公共卫生事件的任何疾病或病毒(包括但不限于此疾病或病毒的任何变异、变形、变种)及其相关疫情事件和措施;
(3) 任何级别的政府部门或机构、官方公共卫生机构或世界卫生组织宣布的存在潜在威胁或可能引起恐慌的任何传染病、流行病等疾病及其相关疫情事件和措施。

本附加条款适用于主合同及其所有附加合同,但《美亚附加境外旅行医药补偿医疗保险》、《美亚附加旅行急性病身故保险》、《美亚附加旅行每日住院津贴收入保障保险》、《美亚附加旅行运送和送返保险》、《美亚附加旅行身故遗体送返保险》、《美亚附加旅行慰问探访费用补偿保险》、《美亚附加旅行未成年人送返费用补偿保险》除外。

其他主险及附加险免责条件详见合同相关条款。

为了保障您自身的权益,请在确认投保本保险前,仔细阅读理解保险合同的各项规定,点击查看详细免责条款

① 拨打美亚财产保险有限公司客服热线400-820-8858
② 准备证明保险事故的相关材料
③ 保险公司审核
④ 审核通过后10天内,赔款资金将支付至被保险人或受益人账户

Q: 旅途中出现意外,我该如何获得帮助及赔偿?
A: 1. 如果客户在旅途中遭遇意外,在境内/外急需医疗救援服务,可以拨打美亚保险救援机构服务热线(+86) 400-888-3080或+86(21)-52989068. 美亚保险会根据您届时的情况提供相应的援助。2. 同时,请保留好相关的理赔资料,回国后在线下载/填写理赔表格,连同相关的资料递交我司进行理赔申请。3. 美亚保险在收齐客户理赔资料后十个工作日内进行处理,如需要补充材料会给予回复。

Q: 我把资料寄给美亚保险,怎样知道理赔进度?
A: 美亚保险收到客户的理赔资料后会进行处理, 如果资料不齐全或需要补充,美亚保险会在10个工作日内给予回复;资料齐全的情况下,美亚保险会在10个工作日内出具理赔决定。您也可以拨打美亚保险的服务热线400-820-8858查询理赔的进度。

Q: 理赔款项一定要是储蓄卡吗,信用卡可以吗?
A: 为了确保客户理赔款项的接收,请使用索赔人本人(被保险人或受益人)的储蓄卡接收理赔款。

Q: 如果发生了旅行延误,我应该怎么办?
A: 1. 首先请确保您的延误属于保险条款约定的保险责任范围,具体可以参考我司旅行保险合同条款;2. 请向航空公司索取航班延误证明, 并保留好相关的登机牌或电子行程单;3. 其他的理赔资料请参考旅行保险索赔申请表所列内容;4. 按照美亚保险的索赔流程将索赔申请表及相关资料递交我司进行索赔申请;5. 美亚保险在收齐客户索赔资料后的十个工作日内进行处理,如属于保险责任的,保险金将根据实际情况支付到索赔申请人(被保险人或受益人)的银行帐号。

Q: 我已经在境外,是否可以投保?
A: 根据保险合同条款约定美亚保险不承保在投保境外旅行险时已置身于境外的被保险人。

Q: 什么是可选升级保障?
A: 美亚保险乐悠游和万国游踪境外旅行保障计划在投保时可以选择升级旅行延误保障。被保险人遭受的旅行延误如属于合同条款约定的保险责任,每延误3小时赔付300元,最高以保险单所载保险金额为限。具体可以参见每款保险计划对应的产品内容介绍。

Q: 外籍人士是否可以投保美亚的保险产品?
A: 外籍人士一年中在中国境内的居住时间累计达到或超过183天,可使用其有效证件投保美亚旅游保险。

Q: 如何退保?或我买错了行程,要怎样处理呢??
A: 在保单生效前可以向美亚保险申请保险退保,具体流程可以登录美亚保险官方网站客户服务“保单变更”下载变更申请表,按指引进行办理,谢谢客户配合!

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