Tour Accident Insurance

Part A: Tourists,  Part B: Travel Service Company

Part B should suggest Part A to buy the tour insurance. Part A   Agree  consigns Part B to buy the following tour accident insurance for every tourist.

The name of the Insurance Company and the name of the Tour Insurance Product:

PICC Property and Casuality Company Limited. Shanghai Branch / Huaxiayou China Domestic Tour Accident Injury Insurance (中国人民财产保险股份有限公司上海市分公司 的 华夏游境内旅行意外伤害保险 in Chinese.) 

24 hours Emergency Phone Call Number of the Insurance Company is:

(86) 400-650-5913, or (86-10) 64105913

Insurance Indemnity:

1. The Maximum of the total indemnity for Accident Death or Disablement is RMB250,000.

2. The Maximum of the compensation to the Emergency Medical Evacuation + Repatriation Services: RMB100,000.

3. The Maximum of the compensation to the medical treatment: RMB50,000.
(Actually how much and what can be paid by the Insurance Company should be according to the policy clause of the Insurance Company.) 

(But for any person who is at or below 18 years old, the maximum Insurance Indemnity totally can not be over RMB100,000.  For the people who is at or over 80 years old, this insurance can not be used. For the people whose age is from 70 to 79 years old, the maximum Insurance Indemnity is only half of amount for the person between 19 and 69 years old. But the insurance premium is also the same.) 

Please note:

1. Tourists guarantee that the personal info of tourists is correct (means the same as the info on the passport or Chinese ID).

2. How much and what can be paid by the Insurance Company should be according to the policy clause of the Insurance Company. 

3. For the treatment fee and nursing fee paid by part A, Part A should submit the official receipt, diagnoses, hospitalization certificate, medical record and so on which are issued by the county level (or higher) hospital. And only Accidental Hospital Expenses within the scope of National Health Insurance can be within the scope of this Insurance.

4. The beneficiary of this insurance is the Beneficiaries of the Statutory. Otherwise, Part A should tell Part B who is the beneficiary. 

5. Any cost or lose caused by High Altitude Disease, Sunstroke, Carsickness, Sudden Death (A sudden unexpected death on a seemingly healthy person due to underlying illness or dysfunction), AIDS or/and other disease are not covered in this insurance. 

6. Any cost or lose caused by Pregnancy, Abortion, Childbirth, Drug Allergy, Sudden Death are not covered in this insurance.

7. Any cost or lose caused by grooming, plastic treatment are not covered in this insurance.

8. Any cost or lose caused by using medicine without medical order or misuse medicine are not covered in this insurance. 

9. Any cost or lose caused by the violation or infraction of Part A, as of a law, a legal obligation are not covered in this insurance.

10. Any cost or lose caused by refusing or failing to follow the order and/or regulation and/or the caution of scenic area and/or this tour group and/or travel service companies who serve tourists are not covered in this insurance.

11. Any cost or lose caused during the period of medicine misuse, alcohol abuse of tourist are not covered in this insurance.

12. Any cost or lose caused by racing car, horse racing, cliff climbing, gliding, rafting, diving, skateboarding, parachuting, hot-air balloon, bungee, surfing are not covered in this insurance.

13. If tourists got injured during the tour itinerary which is arranged by Part B, the necessary and reasonable medical expenses incurred within 90 days after the date of the accident (include the date of accident) at medical institutions which meet the criterion mentioned in the above item 3 and other items will be compensated by the insurance company.

14. This insurance is invalid for the tour group which has neither national tour guide nor local tour guide. But it is still valid for the tour service for which the Tour Contract has been signed and the Tour Contract includes 2 or more tour service items.

15. The detailed Policy Clause of this Insurance can be found by contacting the Insurance Company at Tel. 95518. 

16. The Insurance only covers on the service items which Part B provides. 

17. If Part A has got the compensation from other channel, the insurance company will only undertake the rest part which is among the necessary and reasonable medical expenses.