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百川保险“人在旅途”境外旅行保障计划保障利益
保障范围 Summary of Coverage

保障金额(单位:元)

Maximum Limit(RMB)

白银计划

Silver

黄金计划

Gold

钻石计划

Diamond

个人意外伤害和医疗保障

Personal Accident and Medical Protection

意外身故及残疾保障 Accidental Death and disability
旅行期间因意外事故导致身故或残疾,我们将一次性给付保险金We will make a lump sum payment in the event of death or disability sustained by the Insured Person as a result of an accident while travelling

200,000
300,000
1,000,000

医药补偿 Medical Reimbursement
赔偿旅行期间因意外事故或罹患疾病而实际支出的医疗费用。We will reimburse the actual medical expenses due to an accidental injury or sickness

100,000
300,000
1,000,000

住院津贴 Daily Hospital Income
旅行期间因意外事故或罹患疾病需入院治疗,可按住院天数获每日住院津贴。(总赔偿日数以90天为限)We will pay a daily hospital income benefit based on the number of days of hospital confinement in the event of an accidental injury or sickness.(Maximum 90 days within the policy period)

3,000
6,000
9,000

紧急手机费用Emergency Personal Mobile Phone Charges
旅行期间遭受意外事故,我们将补偿被保险人已支出的,在医疗救助/紧急医疗期间实际发生的用于联系安盛天平旅行援助、或医疗服务机构、或通知亲属朋友及相关人员的移动电话通话费用。We will reimburse the actual cell phone expenses used in emergent situation

500
1,000
1,500

慰问探访费用补偿 Compassionate Visit
若被保险人于旅行期间身故或遭受严重身体伤害而住院治疗十天以上,我们承担被保险人的一名成年直系亲属前往探访的交通费和食宿费In the event of death or hospitalization of the Insured Person due to severe bodily injury while traveling,we will reimburse the insured Person's one adult immediate family member's traveling and accommodation expenses to the insured's place

5,000
8,000
10,000

旅行绑架及非法拘禁 kidnap and Wrongful Detention
若被保险人在旅行期间遭受绑架或非法拘禁,我们会根据实际被绑架或被非法拘禁的日数补偿该被保险人In case of kidnap or wrongful detention of the Insured Person while traveling,we will reimburse such Insured Person based on actual days of kidnap or wrongful detention(3000RMB for every 24 hours)

10,000
15,000
20,000

紧急救援

Travel Emergency Assistance

紧急医疗运送和送返 Medical Evacuation & Repatriation
旅行期间因意外事故或罹患疾病,我们承担医疗运送和送返所发生的费用If the Insured Person sustains an accidental injury or sickness while traveling,medical evacuation and repatriation(AXA Assistance) shall be arranged if needed and we will pay the costs incurred.

500,000
750,000
1,000,000

身故遗体送返(其中丧葬保险金以RMB16,000为限) Repatriation of Remains
旅行期间若被保险人不幸身故,我们将承担安排遗体送返所产生的费用。In case of death of the insured as a result of an accident or sickness,the repatriation of remains or ash of the insured(AXA Assistance)shall be arranged to the residential address and we will pay the cost incurred .(funeral expense limited to RMB 16,000) 

100,000
150,000
1,000,000

未成年人旅行送返费用补偿 Accompanying Minor Repatriation
旅行期间被保险人遭受严重身体伤害需住院治疗或不幸身故,我们将承担一张与被保险人同行的未满18周岁的未成年人返回中国常住地的经济舱机票的票款或者补偿改签机票的差价。If the Insured Person must be hospitalized due to Serious Bodily Injury or death while traveling,we will pay one air ticket of economy class or reimburse balance of endorsing the air ticket for the return of the Insured Person's accompanying child under 18years old to the usual resident place in China

2,000
3,000
5,000

旅行不便

Travel Inconvenience

旅行延误 Travel Delay
若由于天气,罢工,航空公司超售或航空管制等非被保险人个人原因而导致飞机或轮船延误,每延误4小时,赔偿RMB300元 .RMB300 will be paid for delays in excess of 4 hours,for evey 4 hours in the event of inclement weather,strike, over booking,air traffic control,etc.

1500
1800
2,100

行李延误 Baggage Delay
旅行期间被保险人的随行托运行李每延误8小时,可获赔偿RMB500.We will reimburse the Insured Person RMB 500 in event of delay of the baggage for over 8 hours.

1,000
1,500
2,000

旅行变更 Trip Disruption
赔偿被保险人因恶劣天气、自然灾害等原因而变更旅程所损失的所有预付而实际未使用且不可退还的旅行费用If the Insured Person has to change its scheduled travel as a result of death or hospitalization due to Serious Bodily Injury of its direct relatives,natural disaster in the destination or any other risks covered in the policy wording we will reimburse such Insured Person for the loss of any unused and non refundable travel fare and any additional travel expenses necessarily and reasonably incurred while traveling to or from the destination after commencement of the travel.

5,000
10,000
15,000

个人财物

Personal Effects Coverage

个人钱财 Loss of Money
赔偿被保险人在旅行期间携带的现金或旅行支票遭盗窃或抢劫的损失We will pay the Insured Person loss of money due to theft or robbery

1,000
1,500
2,000

随身财产(包括笔记本、手机)  Loss of Personal Baggage
旅行期间被保险人随身财产被盗窃或抢劫的,或因其他第三方责任而遗失或意外损坏的,可获赔偿(每件或每套行李或物品赔偿限额:RMB 2,500)We will pay the Insured Person loss or damage of personal baggage and effects(including laptop computer and mobile phone) due to theft or robbery or the third party's liability .(RMB 2,500per item or set of items)

5,000
7,500
10,000

旅行证件遗失 Loss of Travel Documents
赔偿被保险人为重置因被抢劫或盗窃而损失护照、旅行票据等旅行证件所支付的费用及相关交通、住宿费用。In event of loss of passport,travel tickets and other travel documents due to theft or robbery,we will pay the cost of replacement as well as additional travel expenses,hotel accommodation expenses incurred.

10,000
15,000
20,000

银行卡盗刷 Bank Card Fraudulent Charges(Not applicable to Minor)
赔偿被保险人在旅行期间由于银行卡丢失或失窃而造成非授权人非法使用银行卡所发生的账款损失。(账款损失须于挂失该丢失或失窃银行卡之前的48小时内发生)We will indemnify the Insured against monetary loss arising out of unauthorized use of the bank card lost or stolen during a travel to the extent that the loss incurred within 48 hours before the bank card loss or theft is reported to the bank.

5,000
10,000
15,000

家居保障 Home Guard
赔偿旅行期间被保险人境内经常居住地因火灾造成的家居物品的损坏或损失。(每件或每套物品最高赔偿额RMB2,000 元)We will pay the loss or damage to household contents in your residence in mainland(where the Insured Person has been living for more than 3 months)as a direct resutl of fire while you are traveling.(RMB 1,000per item or set of items)

6,000
10,000
20,000

个人责任

Personal Liability

个人责任 Personal Liability
我们承担旅行期间因意外事故导致他人身体或财物损失而需支付给第三方的赔偿金In event of an accident that involves third party,we will pay legal expenses and compensation for bodily injury or property damage to the third party.

300,000
500,000
1,000,000