隐私保护声明

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1、本产品限定外籍来华人员投保。This product is limited to foreign visitors to China.
2、保险期间内，本保险合同每个被保险人限投1份，多投无效。During the policy period, each Insured of this insurance may only apply for 1 policy/policies, multiple applications of this insurance policy are invalid.
3、本保险合同的被保险人年龄须为0-80周岁，超出该年龄范围投保无效。The insured of this insurance contract must be aged 0-80 years old, and the insurance beyond this age range is invalid.
4、被保险人遭受意外伤害事故或罹患疾病，且必须在当地医疗机构进行必要治疗的，对于其实际支出的、必需由被保险人自行承担的、必需且合理的医疗费用，保险人就超过100元的部分按照100%给付保险金。If the insured suffers from an accidental injury or illness and must undergo necessary treatment in a local medical institution, the insurer shall pay 100% of the necessary and reasonable medical expenses in excess of RMB 100 for the actual expenses incurred by the insured and must be borne by the insured.
5、被保险人从事4类及以上职业工作期间的意外不在本保险保障范围之内。Accidents that occur during the insured's employment in four or more occupations are not covered by this insurance
6、本保险承担保险责任的单次出行期间最长不超过90天。The maximum duration of a single trip covered by this insurance shall not exceed 90 days.
7、根据原保监发【2015】90号文件：除航空意外死亡及重大自然灾害意外死亡外，任何不满10周岁的被保险人，其死亡保险金额不得超过人民币20万元；已满10周岁但未满18周岁的被保险人，其死亡保险金额不得超过人民币50万元。保险人对于超出监管部门规定限额的保险金额不承担保险责任。According to the China Banking and Insurance Regulatory Commission [2015] 90, the death sum insured of any insured person under the age of 10 shall not exceed RMB 200,000, except aviation accidents and accidents of major natural disasters.The Insurer shall not assume insurance liability for the amount of insurance exceeding the limit of sum insured set by the supervision department.
8、24小时全球紧急救援电话：+86 95511转9。Global emergency rescue hotline (24/7): +86-95511-9.

问：中国香港、澳门和台湾地区的居民可以申请此保险吗？Can residents of Hong Kong, Macao and Taiwan regions of China apply for this insurance?

答：可以。除港澳台外，来华的非中国公民均可投保。YES. they can. Except for Hong Kong, Macau, and Taiwan, non Chinese citizens who come to China can also purchase the insurance.

问：外籍人士来华工作或学习是否在保障范围内？外籍人士来华工作或学习是否在保障范围内？Are foreign nationals working or studying in China within the scope of protection?

答：是的，本产品可保障外籍人员在中国大陆学习或工作期间的意外。但被保被保险人从事4类及以上职业工作期间的意外不在本保险保障范围之内。 Yes, this product can protect foreigners from accidents during their study or work in Chinese Mainland. However, accidents during the insured's employment in Four or more occupational categories are not covered by this insurance.

问：中国香港、澳门和台湾地区的居民可以申请此保险吗？Can residents of Hong Kong, Macao and Taiwan regions of China apply for this insurance?

答：是的，除港澳台外，来华的非中国公民均可投保。YES，they can. Except for Hong Kong, Macau, and Taiwan, non Chinese citizens who come to China can also purchase the insurance.