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40099 95507

个人商务旅行2022版

适用人群:出生后18周至80周岁人群

承保年龄:18-80周岁

保障期限:1天-全年

保费:¥35元起

投保前请您仔细阅读: <<产品条款>> <<互联网信息披露>>

保险责任 保障金额(元)
计划一 计划二 计划三 计划四
意外身故、残疾
Accidental death and disability
200000 300000 500000 800000
公共交通意外身故、残疾
Common Carrier Accidental Death & Disability
100000 200000 300000 300000
旅行医疗保险(包含门诊及住院,提供医疗直付服务,其中境内疾病医疗费用以2,000元为限)
Medical Reimbursement (Including outpatient and inpatient ,providing direct billing services, domestic disease medical expense limited to 2,000 yuan)
200000 300000 500000 800000
急性病身故
Sickness death
20000 30000 50000 50000
紧急医疗运送及送返(该医疗运返责任不承担尼泊尔救援责任)
Emergency medical evacuation and repatriation(No responsibility for medical delivery in Nepal)
300000 500000 实际费用 实际费用
身故遗体送返(其中丧葬费16,000元)
Repatriation of remains(Funeral Expenses limited to 16,000 yuan.)
100000 200000 实际费用 实际费用
亲属慰问探访
Compassionate visit
8000 10000 10000 10000
雇主慰问探访费用
Employer compassionate visit
10000 15000 30000 30000
直飞航班延误(每4小时赔偿300元,仅承保国际直飞航班的延误)
Direct flight delay (RMB300 per 4 hours, only cover the delay of international direct flight)
300 600 900 900
行李延误(每6小时赔偿金额500元)
Baggage delay (RMB500 for every 6 hours)
500 500 1000 1000
旅行证件损失
Loss of travel documents
5000 10000 10000 10000
缺席商业活动门票损失补偿保险
Ticket refund of unattended events
1000 2000 3000 3000
个人随身财物(每件手提电脑或投影仪赔偿限额RMB2,000;每件或每套行李或物品赔偿限额RMB1,500)
Personal Effects(RMB1,500 Limit per Item or Set of Items, Limit for Laptop Computer or Projector: RMB2,000)
3000 5000 6000 6000
个人及宠物责任
Personal and pet liability insurance
200000 300000 500000 800000
机票升舱补偿
Cabin upgrade compensation
3000 5000 10000 10000
旅行期间家财保险(每件限额2,500元)
Home guard (RMB2,500 per item)
3000 4000 5000 5000
绑架及非法拘禁(每日400元,30天为限)
Kidnapping and illegal detention (RMB400/day,up to30 days)
12000 12000 12000 12000
费率表
含税价格(人民币:元) 计划一 计划二 计划三 计划四
每日保费 25 35 56 70
全年 1655 2310 3760 4605
投保须知
  • 所有的保险责任及条款均以史带财产保险股份有限公司签发的正式保险合同之相应条款为准。All insurance benefits and terms and conditions shall be subject to the corresponding terms and conditions stated in a formal insurance policy issued by STARR P&C Insurance Company Limited of China.
  • 投保年龄为18到80周岁,以保险起期时被保险人的周岁年龄为准。 The application age is from 18 to 80 years old,subject to the Insured Person's chronological age at insurancevalue date.
  • 71至80周岁的被保险人,其涉及意外身故和残疾保障、公共交通意外伤害保障的保险金额为上表所载金额的一半,医药费用最高为30万保险费维持不变。For any Insured Person aged from 71 to 80 years old, half Maximum Limit under Accidental death, dismemberment, Common carrier accidental death,dismemberment, Acute Sickness Death applies and Medical reimbursement(including sickness and accident) up to RMB 300K ,the premium remains unchanged.
  • 投保单与报价单(如有)、保险条款、保险单、批单或批注(如有)及其它约定书均为保险合同的构成部分。Application Form and Quotation Form(if any), all terms and conditions,schedule, endorsements or comments (if any) and other agreements constitute the entire Insurance Policy.
  • 因乘坐泰国东方航空(航班代码:OX)导致的旅行延误、旅行取消不属于保险责任范围。Trave delay or cancellation with Orient Thai Airlines (OX) will be EXCLUDED
  • 在同一保险期间,每位被保险人限投保壹份,以最先投保之保单为有效,超出部分视为无效,保险费将无息退还。 Each person can only purchase one policy for the insurance period.For those who purchases more than one policies for the same insurance period, only the first policy purchased is valid and the others will be void and the relevant premiumswill be refunded.
  • 本保险所称的旅行:是指被保险人经其雇主委派,从事以商务为目的的旅行。该旅行可扩展被保险人商务旅行前后14天的个人旅游或旅行但除外被保险人往来其日常居住地与日常工作地。个人旅行不承保高风险运动。Travel mentioned in the Policy shall mean that the Insured Person as appointed by its employer to travel on a business trip excluding any travel back and forth between the Habitual Residence and Workplace or any personal travel of such Insured Person.
  • 理赔需提供商务旅行证明。Business travel certificate should be provided for claims settlement.
  • 承保被保险人职业等级为1-2类(管理人员、办公室人员、销售人员及一般行政人员、工程师(不从事实际操作)、设计师等)The degree of job Level is 1 to 2 (Including Management,officer, sales and general administrative personnel, engineers (not engaged in the actual operation), designers, etc.).
  • 每次境外商务旅行最长承保期间为365天,每次境内商务旅行的保障期限最高为30天。The maximum length of each overseas insured trip is 365 days; each domestic trip is 30 days.
  • 本保险产品的紧急医疗运送和送返不承保以尼泊尔登山为出行目的的旅行。The Emergency Medical Evacuation and Repatriation does not cover travel to Nepal for mountaineering.
  • 本保单仅承保被保险人从中国大陆境内出发的旅行,且必须于出行前投保。This policy only covers the insured's travel from mainland China and must be covered prior to travel.
  • 承保因新冠导致的医疗费用。Cover medical cost resulted from Covid-19.
  • 投保前,须阅读并了解本保险各分计划对应的适用保险条款,请务必阅读其中的责任免除部分。To protect your rights, please read carefully the contents of the entire contract of insurance, especially the parts which exempt the Company from liability under the insurance.
  • 如果由于贸易或经济制裁或其它类似法律禁止本公司、本公司的母公司或最终控股公司提供本保险的承保范围,在禁止范围内本保险即不适用。If the Company, its parent company or ultimate holding company is prohibited by trade or economic sanctions or other similar laws from providing coverage, this insurance shall not apply to the extent prohibited.
  • 投保人同意保险人为本保险的目的收集投保人和被保险人的个人资料(该资料不论是从本投保申请上或其他地方所获取)并授权可由保险人或任何与保险人有关的机构或其他人士(不论在
    中国或其境外)持有,转告,及用于(1)处理及审核本投保申请或其他保险事宜;(2)提供与该保险有关之服务;(3)提供给保险监督管理机构、保险行业协会或其他机构用于欺诈调查
    之目的;及(4)与投被保险人联络的用途。For the purpose of this insurance, policyholder agreed to collect personal data (whether it is from this application to apply for access to or elsewhere) and authorized by the insurer or any agencies related to the insurer or other person (whether in China or its overseas), to (1) processing and assessing applications for this application or other insurance; (2) providing services in connection with the insurance; (3) provided to the insurance regulatory body, the insurance industry association or other institutions for the purpose of fraud investigation; And (4) for the purpose of contacting the insured.
  • 您可以随时联系本公司销售人员或登录本公司网站www.starrchina.cn或致电客户服务电话:4009995507(周一~周五09:00-17:30)询问有关保险合同的各项信息。Please, at any time, contact our sales representative, visit our website at http//www.starrchina.cn, or call our service hotline at 4009-995-507 for terms and conditions of the insurance contract.
  • 本保险产品仅承保往返境内外的国际直飞航班发生的航班延误,不承担航班取消、返航、备降以及换乘不衔接造成的行程延误。The insurance policy only covers the flight delay of direct international flights between China and foreign countries, and does not cover the travel delay caused by flight cancellation, return flight, alternate flight and transfer misconnection.
  • 本商务旅行保障全球(含境内、境外)。在任何情况下,本保险不承保任何直接或间接前往或途径伊朗、朝鲜、乌克兰(克里米亚地区)、古巴、叙利亚以及投保时已经处于战争状态或已被宣布为紧急状态的国家或地区,或在上述
    国家或地区旅行期间发生的保险事故。根据联合国决议或根据美国、欧盟或其他可适用的经济制裁、法律和规定,如果保险人承保、支付赔款或向被保险人提供任何其他利益的行为,将会导致
    保险人受到任何制裁、禁令或限制的,则在上述范围内保险人将不予承保、赔付或提供其他利益。若本保险公司在本保险项下提供任何保险保障、利益或支付任何保险赔偿金会导致本保险公司
    违反联合国决议项下的任何制裁、禁止性或限制性规定,或者违反中华人民共和国或美国颁布的任何经济贸易制裁、法律法规时,则本保险公司在本保险项下不提供前述保险保障、利益,亦不
    支付前述保险赔偿金。Under any circumstances, this policy does not cover any trips directly or indirectly to the following countries: Iran, North Korea, Ukraine(Crimea), Cuba, Syria and other countries or districts under warfare status or have declared a state of emergency when apply for the insurance, or accident occur in the above-mentioned countries or districts during the travel. The Insurer shall not be deemed to cover nor shall be liable to pay any claim or provide any benefit.
  • 本保险产品仅由史带财产保险股份有限公司(下称“保险人”或“史带”)承保,史带财产保险股份有限公司目前在北京市、上海市、广东省、山东省、江苏省、浙江省(除宁波市)、重庆市、
    湖北省开设了分支机构,各分支机构将按照各自经营区域进行承保,请您准确填写您的所在地,如您的所在地不属于我司分支机构经营区域,则可能导致保险合同不生效。
  • 偿付能力告知:我司2022年2季度核心偿付能力充足率 237.90%,综合偿付能力充足率为256.25%,达到监管要求。
  • 风险综合评价:2022年第1季度风险综合评级(分类监管)评价中被评定为BB类。