卓越亚洲行

承保年龄:1-80周岁
点击阅读详细保险条款

| 保障项目
保障金额(人民币:元) 20万
典雅计划
30万
尊贵计划
意外保障
意外事故身故、烧伤及残疾保险金 20万 30万
意外事故身故、烧伤及残疾保险金 (未成年人) 10万 10万
意外抚恤金 5,000 1万
医药费用补偿 (其中中草药医生和接骨师费用每天每次不超过人民币100元,累计赔偿总额不超过人民币1,000元) 6万 8万
医疗保障
每日住院津贴收入 (最高RMB100元/天) 9,000 9,000
救援服务
24小时全球紧急救助服务 (包括医疗运送和送返、身故遗体送返及丧葬费用) 50万 50万
*其中身故遗体送返 8万 8万
*其中丧葬费用 2万 2万
个人财物保障
旅行者行李及随身财产(每件或每套行李或物品赔偿限额为RMB1000元) 2,000 3,000
个人责任保障
旅行个人责任 10万 50万
旅行不便保障
旅行延误 (每5小时赔偿限额:RMB300元) 600 600
其它保障
保障期间的自动延长 最长10 天 最长10 天
① 拨打安盛天平财产保险股份有限公司客服热线95550
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: 购买保险、填写投保信息有哪些注意事项?
A: (1)投保旅游意外险须提供准确的姓名、证件号码、出生日期及出行时间,以免因信息不正确影响保险理赔。(2)请务必在投保前关注保险条款及免责内容。

Q: 如果牵涉的医疗费用很高, 保险公司可以直接支付医院费用吗?
A: 可以联系保险公司,如涉及的医院支持医疗费用垫付,保险公司可以安排。

Q: 是否能够退订保险?
A: 保单生效前(即保单起期前一个自然日前),如您需要退订保险,可联系电话客服或者在线客服申请退保,退款将与3-5个工作日原路径返回到您的账户。保单生效后不能操作退保。

Q: 保险理赔需要提供那些材料?
A: 一般保险理赔都需要提供理赔申请表、身份证或者护照的复印件,此外,根据不同情况材料要求也不同,请务必及时向保险公司报案并确认理赔材料。以下为常见事故的理赔材料要求,供参考 航班延误:航班延误证明(写明延误原因和时间)、登机牌、理赔申请表、护照首页及出入境页。 行李延误:行李证明、行李签收单、登机牌、理赔申请表、护照首页及出入境页。 意外及急性病医疗:医生的诊断证明、药品明细、费用发票或收据原件、出院小结等。 财产损失:24小时内的报警证明正本、损失物品的购买发票或收据原件、如涉及酒店或航空公司责任应向该机构索取损失的书面证明。 详细可参考保险条款

1、 若您在旅游途中需要任何紧急援助,请直接拨打24小时紧急援助热线:+86 10 8468 5628。另外,您可在工作时间(周一至周日 8:30-21:30)致电95550,或登陆本公司网站www.axatp.com 查询您保障的详细信息;Please call our 24-hour hotline line at +86 10 8468 5628, should you need any travel assistance service. You could also contact 95550(Monday to Friday, 8:30-21:30) or enter our homepage www.axatp.com to verify your coverage;
2、 根据保监发〔2015〕90号的规定,对于父母为其未成年子女投保的人身保险,在被保险人成年之前,各保险合同约定的被保险人死亡给付的保险金额(包括在所有商业保险公司所购买的保险,但不包括投资连结保险、万能保险以及航空意外伤害保险)总和、被保险人死亡时各保险公司实际给付的保险金总和:投保年龄不满10周岁的,不得超过人民币20万元;投保年龄已满10周岁但未满18周岁的,不得超过人民币50万元,故对于被保险人的投保限额超过上述规定的,我司不再承保,若尚未达到限额的,本公司仅就差额部分进行承保;Any insured under 18 years old, if he/she, before the inception of this policy, has other insurance policy/policies that offer(s) death benefit (except unit-linked insurance, universal insurance and aviation personal accident insurance), the death benefits provided by this policy will be excess in all instances to the other insurance policy/policies and the total death benefits of the other insurance policy/policies and this policy shall not exceed the death benefits limit- RMB 100,000 for person under 10 years old or RMB 500,000 for person from 10 to under 18 years old as specified by China Insurance Regulatory Committee in regulation (2015) #90.
3、 本计划的成年人投保年龄为18周岁至80周岁,未成年人的投保年龄为1至17周岁。71周岁至80周岁的被保险人,可经本公司特别审核同意后,予以承保。其“意外事故身故及残疾保险金”和“医药费用补偿”的保险金额为上表所载金额的一半,保险费维持不变;The adult Insured Persons must be from 18 to 80 years of age inclusive and the juvenile Insured Persons must be from 1 to 17 years old upon application. For any Insured Person aged from 71 to 80 years old, can be covered only after a special approval by the AXA Tianping Property & Casualty Insurance Company Limited, and the Maximum Limits under “Accidental Death, Burns & Dismemberment “and “Medical Reimbursement” benefits will be reduced to half of Limits as above table stated while the premium remains unchanged;
4、 任何在下列期间发生的或由下列原因造成的保险事故,本公司不负任何赔偿责任:战争、军事行动、暴动或武装叛乱期间;侵略、外敌行为、敌对(不论是否宣战)、内战、叛乱、革命、起义、军事行动或篡权、受任何政府或国家权力机构的指挥对财产的没收或国有化或征用或毁坏或破坏的、暴乱骚乱;This Policy does not cover claims: directly or indirectly occasioned by, happening through or in consequence of: During war, military operations, insurrection or military rising; war or relevant operations (whether war be declared or not), act of terrorism, invasion, hostilities, act of foreign enemy, civil war, strike, insurrection, civil commotion, rebellion, revolution, civil rising, military or usurped power;
5、 本公司不负责赔偿由下列原因造成的保险事故:受保前已存在之病症或未向本公司声明并由本公司书面接受被保险人的既往身体状况、慢性病、精神病、精神分裂、艾滋病、性传播疾病、遗传性疾病、先天性疾病或缺陷、先天性畸形、牙齿治疗(但因意外伤害事故导致的必须进行的牙科门诊治疗不在此限)、预防性手术等非必须紧急治疗的手术、器官移植;The insurer shall not bear any indemnity liability for any insured accident arising from the following causes:pre-existing condition or the insured person’s previous health conditions not declared to the insurer and not accepted by the insurer in writing, chronic disease, mental disease, schizophrenia, AIDS, sexually transmitted disease, hereditary disease, congenital disease or defect, congenital deformity, teeth treatment (except for the indispensable dentistry outpatient treatment caused from an injury accident), preventive operation or any other operation or organ transplant not in need of emergent treatment.
6、 对于旅行延误保障利益,保险人对下列情形下引起的,或与之有关的损失或费用,不负赔偿责任:被保险人搭乘的航班为中转或联程航班(中转或联程延误发生地在境外的不包括在内)。The insurance does not cover the domestic connecting flight delay.
7、 本保险仅承保被保险人从中国大陆出发,返回中国大陆的旅行。本保险不承保外籍人士返回原籍国的旅行。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。The insurance only covers the journey of Insured Person starting from mainland China and returning to mainland China. The insurance does not cover the journey of expatriate returning to his/her home country. The insurance period must completely cover the whole trip from the insured person leaves till he returns to his/her normal living or working place.
8、 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。The insurance does not cover the journey of the Insured Person who is outside mainland China when he/her applies for the insurance.
9、 全年旅行每次保险期限最长为90天。The maximum duration of each insured trip is 90 days;
10、本合同采用电子保险单形式承保,如您需要纸质保单或发票,请拨打客服热线:95550。This policy is covered by electronic insurance policy. If you need paper insurance policy or invoice, please call customer service hotline: 95550.
11、请您了解本公司的偿付能力充足率已达到了监管要求,若需进一步了解本公司最新季度的偿付能力信息及风险综合评级结果,请登录安盛天平保险公司官网www.axatp.com查询,该信息可以作为您决定是否投保的参考信息。Please be aware that the insurer’s solvency ratio is well matched with regulatory requirements. For detailed information if needed in the insurer’s solvency report and comprehensive risk rating report in the latest quarter, please access to the insurer’s official website www.axatp.com. The solvency related information can be taken as significant reference when applying for the insurance.
12、每位被保险人最多投保一份,多投部分无效。Each insured person can only be entitled one insurance plan under this product.

投保人/被保险人声明

1、 本人身体、精神状况良好并无任何不适宜旅行的精神状态或身体状况,旅行并未违反医生的劝告,旅行目的不在于治疗疾病,也不会在旅行期间参与任何体力或手工劳动、竞技活动,且对任何可能导致旅行取消或缩短的状况并不知晓。 The Insured Persons are not traveling contrary to the advice of medical practitioner, for the purpose of obtaining medical treatment, or engaging in any manual work and sports contest during the travel period; do not know of any condition, cause or circumstance existing that may necessitate the cancellation or curtailment of the journey.
2、 本人从未遭受任何保险公司拒绝受理投保、续保或取消保险合同或要求提高保费及附加特别约定。 I/We have never been cancelled, declined, refused to renew or imposed special terms or conditions on any policy held by me/ us.
3、 本人已经如实填报一切重要的有关资料,绝无隐瞒或保留任何重大事实以影响贵公司评估风险或接受本投保申请,并同意将本投保单和声明作为安盛天平财产保险股份有限公司和本人所定合约的根据,并以保险条款为准。 I/We declare that the statements and information given in this application are, to the best of our knowledge and belief, true and complete and accept that this proposal and declaration shall be the basis of, and be incorporated in, the contract between AXA Tianping Property & Casualty Insurance Company Limited and myself/ourselves.
4、 本人已经仔细阅读保险条款,尤其是责任免除、免责条款、赔偿限额、免赔额、基本条款等黑体字/彩色标题标注的条款内容,并对保险公司就保险条款内容的说明和提示完全理解,没有异议,申请投保。I/We have read the wording carefully, especially on exclusion, indemnity limit, deductible, general condition in Bold/ Color heading, and make sure all coverage of the wording is well known.
5、 本人理解并同意保险公司对本投保申请有拒绝或者接受的权利。如果保险公司对本投保申请没有提出异议,投保人同意保险公司直接安排出具正式保险单。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 the insurer has the rights to decline or accept the application form and agrees to issue the policy directly if the insurer has no doubt of the proposal form. I/We understand and agree that the effective date of the insurance is subject to the approval of the Company and collection of premium. The Company will issue a formal Policy validated with an authorized signature of the Company.
6、 本人知晓并明确同意: 1)授权安盛天平(指安盛天平财产保险股份有限公司及其直接或间接控股的公司,以及安盛天平财产保险股份有限公司的分支机构),将本人提供给安盛天平的个人信息、接受安盛天平服务产生的个人信息(包括使用安盛天平服务之前提供和产生的个人信息)以及安盛天平根据《安盛天平服务协议》和《用户隐私权政策》所查询、收集的个人信息(以上各段落中所指的信息总体简称为“个人信息”),用于安盛天平及其因服务必要委托的合作伙伴为本人提供服务、推荐产品、开展市场调查与信息数据分析。 2)授权安盛天平,基于为本人提供更优质服务和产品的目的,按照《安盛天平服务协议》和《用户隐私权政策》的条款向安盛天平因服务必要开展合作或委托授权的伙伴或其他方提供、查询、收集本人的个人信息。 3)为确保本人个人信息的安全,安盛天平及其合作伙伴对上述个人信息负有保密义务,并采取各种措施保证个人信息安全。 本条款具有独立法律效力,不受其他文件成立与否和效力状态变化的影响。安盛天平如何保护您个人信息的更多资料请于安盛天平网站参阅《安盛天平服务协议》和《用户隐私权政策》。安盛天平有权不时修改上述协议和政策,并在网站上公布。 如您不同意上述授权条款的部分或全部,可致电安盛天平24小时服务热线(95550)取消或变更授权。 I understand and confirm the following: 1).AXATP, hereby referring to AXA Tianping P&C Insurance Co., Ltd., all of its affiliated organizations and all the companies directly or indirectly held by it, is authorized to reasonably apply the private data I submitted or produced during the insurance serving process to provide me with insurance services and product promotion, as well as for the purpose of conducting market research and data analysis. 2).Based on the AXATP SERVICES AGREEMENT and USERS PRIVACY POLICY, AXATP is authorized to provide the access to my personal information for the collaborating partners or authorized third party when necessary to ensure that a well-qualified service or product can be provided to me. 3).For the safety of my personal data, AXATP and its partners should be responsible for the confidentiality of my private data and to take any necessary and possible measures to ensure my personal information secured. This clause is entitled to independent lawful effect with the protection of influence from establishment or effectuatim of any other contracts. For more information about how your data is protected by AXATP, please refer to the AXATP SERVICES AGREEMENT and USERS PRIVACY POLICY listed on AXATP’s official website. Please be aware that AXATP is entitled to revise the agreement and policy mentioned when needed and the changes once made will be announced on the official website. If you are not fully agreeable to the content of this clause, please call the 24hour hotline of AXATP (95550) to change or cancel your authorization.
7、 本人理解并同意若因提供该保单项下的保障或赔付,致使保险公司或服务提供方违反(包括但不限于由欧盟、英国、美国制定或根据联合国决议规定的)国际经济制裁条款、法律或法规,则保险公司以及其他服务提供方将不会提供该项保障或给于赔付。如若发现潜在的违规行为,保险公司将尽快以书面形式通知我/我们。I/We understand and agree the Insurer and other service providers will not provide cover or pay claims under this policy if doing so would expose us the insurer or the service provider to a breach of international economic sanctions, laws or regulations, including but not limited to those provided for by the European Union, United Kingdom, United States of America or under a United Nations resolution. If a potential breach is discovered, where possible the insurer will advise Proposer and Insured Person in writing as soon as possible.
8、 本人理解并知晓:本产品由安盛天平财产保险股份有限公司(以下简称安盛天平)承保,在浙江、深圳、北京、宁波、江苏、广东、河北、四川、上海、湖北、东莞、佛山、山东、重庆、天津、大连、广西、云南、山西、青岛、河南、安徽、陕西、福建设有分公司。本产品由安盛天平面向全国销售。但对于安盛天平未设分公司的地区,我若在非以上地区购买的,后续服务可能会受到影响。I/We understand and agree that this policy is underwritten by AXATP, which has set up 25 branch offices located in Zhejiang, Shenzhen, Beijing, Ningbo, Jiangsu, Guangdong, Hebei, Sichuan, Shanghai, Hubei, Dongguan, Foshan, Shandong, Chongqing, Tianjin, Dalian, Guangxi, Yunnan, Shanxi, Qingdao, Henan, Anhui, Shaanxi, Fujian, Inner Mongolia. Although the product is nationwide distributed, the after-sale services might be weakened if the product is not purchased from a region with branch accessible.
9、 本产品每人仅限购买一份。本人明白若本人自愿投保贵保险公司承保的多项综合保险(不包括团体保险),且在不同保障产品中有相同保险利益的,则贵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。Each insured person can only be entitled one insurance plan under this product. I understand that if the applicant applies different insurance products from AXA Tianping Property & Casualty Insurance Company Limited and there are the same Benefits under different insurance products, the company will indemnify the insured only one Benefit with the highest limit and refund the premium of other same Benefits when claim occurs.
10、 本人理解并知晓:若本人投保的是安盛天平北京分公司的产品,在中国法律允许或要求的范围内,本人同意授权安盛天平北京分公司将本人个人信息及保单信息提供给北京意外保险信息平台以作合理利用,如果填写手机号码安盛天平将为本人提供免费的投保短信提示。若本人投保的是安盛天平四川分公司的产品,本人同意授权安盛天平将本人个人信息共享至四川省保险行业协会,用于(且仅用于)行业反保险欺诈排查。I/We understand and agree that the information and any subsequent information submitted by and collected from me/us may be used by AXA Tianping Property & Casualty Insurance Company and Beijing Insurance Information Services Platform, if the insurance was purchased from AXA Tianping Property & Casualty Insurance Company Beijing Branch. I/We understand SMS notice will be sent by AXA Tianping Property & Casualty Insurance Company if my mobile phone number is provided. I/We understand and agree that the information and any subsequent information submitted by and collected from me/us may be used by AXA Tianping Property & Casualty Insurance Company and Sichuan Insurance Association for anti-insurance fraud investigation only, if the insurance was purchased from AXA Tianping Property & Casualty Insurance Company Sichuan Branch.

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