| 保障金额(元) 保险责任 | ||||
| 方案A（18-45） | 方案B（18-45） | 方案A（46-69） | 方案B（46-69） | |
| 意外身故、伤残 Accidental death and disability | 100000 | 100000 | 100000 | 100000 |
| 意外和疾病医疗费用（各项目对应保障详见特约）The medical expenses for accidents and illnesses (refer to the special provisions for corresponding coverage of each item) | 440000 | 440000 | 440000 | 440000 |
| 救护车费用 Ambulance Coverage | 500 | 500 | 500 | 500 |
| 意外每日住院津贴（无免赔天数，300元/天，最长给付天数以180天为限）Accidental Hospitalization Allowance (No deductible days, RMB 300/day, max 180 days per claim) | 54000 | 54000 | 54000 | 54000 |
| 紧急医疗运送和送返 Medical evacuation and repatriation | 1500000 | 1500000 | 1500000 | 1500000 |
| 身故遗体送返（其中丧葬费以16,000元为限）Repatriation of remains (funeral expenses limited is RMB16,000) | 200000 | 200000 | 200000 | 200000 |
| 疾病身故（等待期60天）Death Due to Illness (60-day waiting period) | 100000 | 100000 | 100000 | 100000 |
| 直飞航班延误(仅承保国际直飞航班的延误，每6小时赔偿200元，保单年度累计赔付限额以600元为限）Direct flight delay (RMB200 per 6 hours) | 600 | 600 | 600 | 600 |
| 行李延误（每延误满8小时赔偿500元，仅承保国际航班，保单年度累计赔付限额以1000元为限）Baggage Delay (RMB 500 per 8-hour delay, international flights only) | 1000 | 1000 | 1000 | 1000 |
| 个人责任 Personal Liability | 100000 | 200000 | 100000 | 200000 |
费率表
| 含税价格（人民币：元） | 方案A（18-45） | 方案B（18-45） | 方案A（46-69） | 方案B（46-69） |
| 1-183天 | 800 | 2000 | 1000 | 3000 |
| 184-365天 | 1500 | 3000 | 1800 | 5000 |
保单特约
- 本保险产品仅由史带财产保险股份有限公司（以下简称：史带财险）承保，史带财险目前在北京市、上海市、广东省、山东省、江苏省、浙江省（除宁波市）开设了分支机构。本产品的销售区域为全国，目前史带财险部分业务无法在线完成批改、保全、退保、理赔，如您有相应需求， 可联系史带财险落地分支机构或线下合作机构的相关人员。如您所在地无史带财险分支机构可能存在服务不到位的情况，您可以拨打4009995507客服热线。This insurance product is only underwritten by Starr Property & Casualty Insurance(China) Company Limited, which has branches in Beijing, Shanghai, Guangdong, Shandong, Jiangsu, Zhejiang (except Ningbo). The sales area of this product is nationwide, and some of our business cannot be completed online for approval, preservation, surrender and claims, so if you have the corresponding needs, you can contact the relevant personnel of our local branches or offline cooperative organizations. If there is no branch in your location, you can call our customer service hotline at 40099 95507.
- 本保险计划所有保险责任、责任免除及相关事项均以《史带财产保险股份有限公司旅行人身意外伤害保险互联网C版》及其附加险条款为准。All insurance benefits, exclusions and relevant conditions of the insurance shall be subject to the terms and conditions stated in "Individual Travel Accident Insurance Version C" and its riders issued by Starr Property & Casualty Insurance(China) Company Limited.
- 承保年龄为18周岁-69周岁（含本数），以保险起期时被保险人的周岁年龄为准。When the policy becomes effective, the insured shall be a natural person aged between 18 and 69 years .
- 在保单有效期内，每位被保险人投保同一产品（包括同一产品的同一计划或不同计划）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。In the same insurance period, each insured person can only purchase one policy for the same product (including the same plan of the same product or different plans), only the first policy purchased is valid and the others will be void and the relevant premiums will be refunded.
- 若被保险人在任意渠道投保由本公司承保的多份“意外身故、伤残”、“门急诊意外医疗费用”、“门急诊疾病医疗费用”、“意外和疾病住院医疗费用”保障（不包括团体保险），则本公司仅按其中保险金额最高者做出赔偿。For duplicate "accident/medical" coverage (excluding group insurance), only the highest sum insured applies.
- 方案A医院范围:二级及以上公立医疗机构普通科室，高等院校内医疗机构可作为“门急诊意外医疗费用”、“门急诊疾病医疗费用”、“意外和疾病住院医疗费用”的报销医院。Plan A Eligible Hospitals:Public medical institutions at or above the二级 (Level II) tier, general departments only.Medical facilities within higher education institutions are eligible for reimbursement of accidental injury medical expenses and outpatient/emergency medical expenses.
- 方案A中，“门急诊意外医疗费用”、“门急诊疾病医疗费用”、“意外和疾病住院医疗费用”等三项责任仅承保社保范围内的医疗费用，赔付比例100%。扩展承保自费医疗项目，保单年度内赔偿额度以500元为限。In Plan A, coverage for medical expenses arising from accidental injuries, outpatient and emergency treatment, as well as hospitalization, is limited to costs within the scope of social security, with a reimbursement ratio of 100%. Additionally, it extends coverage to include self-paid medical items, with the annual compensation limit capped at 500 RMB for the policy term.
- 方案B医院范围:二级及以上公立医疗机构，公立医院普通科室及可在单间、 VIP、特需、国际部等病区就医、高等院校内医疗机构可作为“门急诊意外医疗费用”、“门急诊疾病医疗费用”、“意外和疾病住院医疗费用”的报销医院。Plan B Eligible Hospitals:Public medical institutions at or above Level II, including general departments as well as single-room wards, VIP wards, special medical service departments, and international divisions.Medical facilities within higher education institutions are also eligible for reimbursement of accidental injury medical expenses and outpatient/emergency medical expenses.
- 方案B中，“门急诊意外医疗费用”、“门急诊疾病医疗费用”、“意外和疾病住院医疗费用”等三项责任：社保范围内的医疗费用，赔付比例100%，赔偿额度以保单约定金额为限；医保范围外的自费医疗项目，赔付比例50%。In Plan B, for the three types of liabilities—medical expenses for accidental injuries, outpatient and emergency medical treatment, and hospitalization:Medical expenses within the scope of social security are reimbursed at a rate of 100%, subject to the compensation limit stipulated in the policy.For self-paid medical items outside the scope of medical insurance, the reimbursement rate is 50%.
- 方案A及方案B医疗费用限额约定：门急诊意外医疗费用以20,000元为限，门急诊疾病医疗费用以20,000元为限（次免赔额300元，赔付比例85%），意外和疾病住院医疗费用以400,000元为限。The medical expense limits for Plan A and Plan B are stipulated as follows:Outpatient and emergency accident medical expenses are covered up to RMB 20,000 (with a per-claim deductible of RMB 300 and a reimbursement ratio of 85%);Outpatient and emergency illness medical expenses are covered up to RMB 20,000 (with a per-claim deductible of RMB 300 and a reimbursement ratio of 85%);Hospitalization medical expenses for both accidents and illnesses are covered up to RMB 400,000 (covering only within-social-security medical expenses, with no per-claim deductible and a reimbursement ratio of 100%).
- 本保险计划不承保下列高风险探险类活动：被保险人从事滑水，室内外滑雪，滑冰，驾驶或乘坐滑翔翼、滑翔伞，跳伞，攀岩运动，探险活动，武术比赛，摔跤比赛，赛马或马术，特技表演，驾驶卡丁车，赛马，赛车，各种车辆表演，蹦极、任何海拔6000米以上的户外运动或深度大于18米的潜水等高风险运动期间；以及被保险人必须借助登山绳索、登山向导(非旅行社导游)完成的登山活动期间；借助水下供气瓶（非呼吸管）设备完成的潜水活动期间（但在旅游景点的专业潜水教练指导下进行的休闲潜水活动除外）。The plan does not cover the following high-risk adventure activities: water skiing, indoor or outdoor skiing, ice skating, piloting or riding in a glider, paragliding, parachuting, rock-climbing, adventure activities, martial arts competitions, wrestling competitions, horse-racing or equestrian sports, stunt shows, go-karting, motor racing, all kinds of vehicle shows, bungee jumping, any outdoor sport at an altitude of more than 6,000 meters and other high-risk sports; During mountaineering activities that the insured person must complete with the help of mountaineering ropes and mountaineering guides (not travel agency guides); and during diving activities completed with the help of underwater air supply cylinders (not snorkels) at a depth of more than 18 meters (except for recreational diving activities under the guidance of a professional diving instructor at tourist attractions).
- 本保险仅承保非中国国籍人员在中华人民共和国大陆地区境内（不含香港、澳门、台湾地区）旅行、任职期间的责任。This insurance policy solely covers liabilities arising during the period when non-Chinese nationals are traveling or teaching within the mainland territory of the People's Republic of China (excluding Hong Kong, Macau, and Taiwan regions).
- 本保单保险责任的开始时间以下列情况中最迟发生的时间为准：（1）保险单上载明的保单生效日；（2）该被保险人在本保单有效期内通过中国边防检查站检查，办理好入境手续；（3）被保险人到达中国大陆境内，离开入境时所乘坐的公共交通工具。保险责任的终止时间以下列情况中最先发生的时间为准：（1）保险单上载明的保单到期日；（2）被保险人通过中国边防检查站检查，办理好出境手续；（3）被保险人登上离境时所乘坐的公共交通工具。The commencement of this policy shall be the latest of the following circumstances: (1) the effective date of the policy as stated in the policy; (2) the insured person passes through the China Border Inspection Station and goes through the entry formalities within the validity period of the policy; (3) the insured person arrives at the territory of the mainland of China and disembarks from the public transportation vehicle in which the insured person is traveling. The time of termination of the insurance liability shall be the first of the following: (1) the expiration date of the policy as stated in the policy; (2) the insured person passes through the China Border Inspection Station and undergoes the exit formalities; (3) the insured person boards the public transportation vehicle in which the insured person traveled at the time of his/her departure from the country.
- 退保规则：保单生效前可申请全额退保，已生效的旅行险年单保单无理赔时，可按照条款退还未满期净保费部分（未满期净保费=净保费×（1-m/n），其中，m 为已生效天数，n 为保险期间的天数，经过日期不足一日的按一日计算）。已生效且已出行的旅行险短期保单，本保险不接受任何形式的退费。 Surrender rules: full surrender can be applied for before the policy comes into effect, and the portion of the unexpired net premium can be refunded in accordance with the terms and conditions when there is no claim for the annual travel insurance policy that has already come into effect (unexpired net premium = net premium × (1-m/n), where m is the number of days it has come into effect, n is the number of days of the insurance period, and the elapsed date of less than one day is counted as one day). No refund of any kind will be accepted for a travel insurance short-term policy that is in force and has been traveled.
- 本保险单项下适用评残标准为《人身保险伤残评定及代码》（GB/T 44893-2024）：一级伤残100%、二级伤残90%、三级伤残80%、四级伤残70%、五级伤残60%、六级伤残50%、七级伤残40%、八级伤残30%、九级伤残20%、十级伤残10%（具体伤残评定标准内容可见文件《人身保险伤残评定及代码》（GB/T 44893-2024）。The applicable disability assessment standards under this insurance policy are the "Disability Assessment Standards and Codes for Life Insurance" (GB/T 44893-2024): 100% for level one disability, 90% for level two disability, 80% for level three disability, 70% for level four disability, 60% for level five disability, 50% for level six disability, 40% for level seven disability, 30% for level eight disability, and 20% for level nine disability 10% of Level 10 disability (specific disability assessment standards can be found in the document "Disability Assessment Standards and Codes for Life Insurance" (GB/T 44893-2024).
- 本保险中紧急医疗运送和运返费用补偿责任，运送和送返范围仅限中国大陆地区，不包含返回原籍国。Under this insurance policy, the coverage for emergency medical evacuation and repatriation expenses is limited to transportation within mainland China only, and does not include return to the insured person's country of origin.
- 本保险计划中，个人责任保障仅承担被保险人因过失造成第三者人身伤亡的经济赔偿责任，每次事故责任限额50,000元人民币，每次事故的免赔为1,000元人民币或损失金额的10%，以高者为准。Under this insurance plan, the personal liability coverage only covers the insured's financial liability for personal injury or death of a third party caused by the insured's negligence. The limit of liability per accident is 50,000 RMB, with a deductible of 1,000 RMB or 10% of the loss amount per accident, whichever is higher.
- 本保单内容中，中英文不一致处以中文为准。In the event of any discrepancies between the Chinese and English versions of this insurance policy, the Chinese version shall prevail.