TPY Global Travel Insurance PlanA

1）The proposer is limited to only one insurance policy for the same insured person during the same insurance period. Multiple applications will be invalid.

2）Limitation on Insured Amount for Minors: According to the "Notice of China Insurance Regulatory Commission on Issues Concerning Personal Insurance for Parents to Insure Their Minors with Death Benefit Conditions" (CIRC No. 90 [2015]), for insured persons under 10 years old, the total death benefit payment shall not exceed CNY 200,000; for insured persons aged 10 to under 18 years old, the total death benefit payment shall not exceed CNY 500,000. The maximum sum insured for minors in this insurance shall be the difference between the limit stipulated by the China Insurance Regulatory Commission and the sum insured for death benefit already covered by this Company and other insurance companies (excluding the sum insured for accidental death due to aviation and major natural disasters).

3）The insured under this policy must be between 0 and 100 years old. If the insured is 61 years old (inclusive) to 80 years old (inclusive) when the policy takes effect, the insurance amount of the death and disability benefits involved is half (50%) of the insurance amount contained in the above insurance plan, and the insurance premium remains unchanged. If the insured is 81 years of age (inclusive) to 100 years of age (inclusive) when the policy comes into effect, the insurance amount involved in the death, disability and medical expenses related insurance is one-fourth (25%) of the insurance amount contained in the above protection plan, and the premium remains unchanged.

4）The accidental death/disability and accidental death/disability due to high-risk activities cannot be compensated concurrently. Specific conditions are determined based on the cause of the accident.

5）The term "high-risk activities" in this insurance contract refers to adventures, explorations, and tourism undertaken by the insured in caves, polar regions, volcanoes, glaciers, forests, canyons, deserts, oceans, space, or any uninhabited areas. It also includes horse racing or practicing horse racing, equestrian performances or practice, polo, vehicle performances or competitions, practicing vehicle performances or competitions, rowing, skateboarding performances or competitions, water skiing, diving, scuba diving, skiing performances or competitions, high-altitude skiing, snowmobiling, sledding, ice skating performances or competitions, ice hockey, rock climbing, climbing independent peaks above 3,500 meters above sea level, bungee jumping, parachuting, martial arts, boxing, wrestling, taekwondo, wingsuit flying, and being in any aircraft or airborne transport (including but not limited to gliders, hang gliders, paragliders, and balloons), excluding those riding ordinary commercial flights as passengers.

6）The insurance company is not liable for accidents resulting from intentionally hazardous actions by the insured. Hazardous actions include but are not limited to: not following the instructions and warnings of guides, leaders, coaches, or on-site safety personnel; violating warnings/prohibitions in scenic areas or local areas; illegally entering routes or areas prohibited by national or local governments.

7）The accidental injury and acute illness medical care(including outpatient and inpatient) responsibility of this policy has no deductible, and the insurance company will pay benefits at a rate of 100% within the coverage amount according to the insurance liability.

8）The accidental injury and acute illness hospital allowance insurance responsibility of this policy has a maximum cumulative payment period of not more than 30 days(from the date of hospitalization).

9）The repatriation of remains insurance responsibility of this policy includes funeral expenses, with a maximum cumulative payout not exceeding RMB 20,000.

10）The flight arrival delay coverage: compensation of RMB 300 for every 3 hours (or part thereof) of flight delay, with a cumulative limit based on the coverage amount.

 

11）The insurance coverage for baggage loss/damage: The maximum compensation limit for each piece/set of baggage items is RMB 500. The insured must provide purchase invoices/valid certificates or repair invoices for lost or damaged items, along with police reports, airport certificates, loss lists, etc. The insurance company shall assess the actual loss for payout. If purchase invoices/valid certificates or repair invoices cannot be provided, the maximum compensation per piece/set shall not exceed RMB 200. The cumulative maximum compensation limit for this insurance coverage shall not exceed the sum insured stated in the policy.

12）The baggage delay insurance responsibility of this policy compensates RMB 500 for every 4 hours of delay (including), with a cumulative limit based on the coverage amount.

13）The bank card skimming insurance responsibility of this policy is not applicable to individuals under the age of 18.

14）The relatives' handling of affairs insurance responsibility of this policy:daily accommodation expenses are capped at 300 yuan, with the total maximum compensation limited to the insured amount.

15）This insurance is provided by Allianz Shihe International Rescue Service Company for global emergency rescue services, with a 24-hour global rescue service hotline: 0086 1085355302 (global)/4006281200 (domestic, excluding Hong Kong, Macao, and Taiwan).

16）The coverage area of this insurance plan applies globally, excluding Belarus, Cuba, Iran, North Korea, Sudan, Syria, Ukraine, Crimea, and countries and regions that are in a state of war or have been declared an emergency before departure, and the insured person's place of residence.