留学中国保障
适用人群：10周岁-45周岁（含本数）
承保年龄：10周岁-45周岁（含本数）
保障期限：1-365天
保费：￥150元起
投保前请您仔细阅读： <<产品条款>> <<互联网信息披露>>
| 保障金额(元) 保险责任 | |||
| 计划A | 计划B | 计划C | |
| 意外身故、伤残Accidental death and disability | 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 | 840000 |
| 救护车费用Ambulance Coverage | 500 | 500 | 500 |
| 意外每日住院津贴（无免赔天数，200元/天，最长给付天数以180天为限）Accidental Hospitalization Allowance (No deductible days, RMB 200/day, max 180 days per claim) | 36000 | 36000 | 36000 |
| 紧急医疗运送和送返Medical evacuation and repatriation | 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 |
| 疾病身故（等待期60天）Death Due to Illness (60-day waiting period) | 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 |
| 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 |
| 个人责任Personal Liability | 100000 | 200000 | 200000 |
费率表
| 含税价格（人民币：元） | 计划A | 计划B | 计划C |
| 1-31天 | 150 | 185 | 225 |
| 32-183天 | 400 | 500 | 600 |
| 184-365天 | 800 | 1000 | 1200 |
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C版》及其附加险条款为准。All insurance coverage, exclusions, and related matters of this insurance plan are subject to the terms and conditions of the "Starr Property & Casualty Insurance Company Limited Travel Personal Accident Insurance Plan C Version," and their additional insurance clauses.
- 承保年龄为10周岁-45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 10 and 45 years .
- 根据中国保监会关于父母为其未成年子女投保以死亡为给付保险金条件人身保险有关问题的通知：对于父母为其未成年子女投保的人身保险，在被保险人成年之前，各保险合同约定的被保险
人死亡给付的保险金额总和、被保险人死亡时各保险公司实际给付的保险金总和按以下限额执行：（一）对于被保险人不满10周岁的，不得超过人民币20万元；（二）对于被保险人已满10周岁但未满18周岁的，不得超过人民币50万元。若被保险人是未成年人时,投保人必须是其父母或监护人。According to CIRC's Circular on Issues Related to Parents Insuring Their Minor Children in Life Insurance with Death as the Condition for Payment of Insurance Benefits: For life insurance policies taken out by parents on behalf of their minor children, until the insured reaches the age of majority, the sum of the insurance amounts agreed in each insurance contract to be paid for the death of the insured, and the sum of the insurance benefits actually paid by each insurance company in the event of the death of the insured, shall be subject to the following limits: (i) For the insured person who is less than 10 years of age, it shall not exceed RMB200,000; (ii) For the insured person who is 10 years of age or older but less than 18 years of age, it shall not exceed RMB500,000 If the insured is a minor, the policyholder must be his/her parent or guardian. - 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.
- 本保险计划不承保因下列原因支出的费用：受保前已存在的疾病（指在本附加合同生效前 24 个月内：（1）被保险人已患有的疾病；（2）医生已建议被保险人接受医药治疗或提供医疗意见的疾病；或（3）被保险人已存在的且一个正常而审慎的人会寻求诊断、医疗护理或医疗治疗的症状。This insurance plan does not cover expenses arising from the following causes: pre-existing conditions (referring to, within the 24 months prior to the effective date of this supplementary contract: (1) any disease already contracted by the insured; (2) any disease for which a doctor had recommended medical treatment or provided medical advice to the insured; or (3) any symptom already present in the insured that a reasonable and prudent person would seek diagnosis, medical care, or medical treatment for).
- 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. - 在中国境内（不包括香港、澳门、台湾地区）的医疗机构是指合法的二级或三级医保定点医院，或投保人与保险人协商共同指定的医院或医疗机构。医疗机构不包括以下或类似的医疗机构:
1)精神病院；2)老人院、疗养院、戒毒中心和戒酒中心；3)健康中心或天然治疗所、疗养或康复院；4）特需医疗部、外宾医疗部、干部病房、联合病房、国际医疗中心、VIP部、联合医院。Medical institutions within mainland China (excluding Hong Kong, Macao, and Taiwan regions) refer to legally established secondary or tertiary healthcare providers designated under the medical insurance system, or hospitals/medical institutions jointly designated by the insured and the insurer. Medical institutions expressly exclude the following or similar facilities: 1) psychiatric hospitals; 2) nursing homes, sanatoriums, drug rehabilitation centers, and alcohol rehabilitation centers; 3) wellness centers or naturopathy clinics, convalescent or rehabilitation institutions; 4) special medical departments (including but not limited to international departments, VIP wards, executive wards, joint wards, international medical centers, and united hospitals). - 计划A及计划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
（仅限社保内医疗费用，无次免赔，赔付比例100%）;计划C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800,000元为限（仅限社保内医疗费用，无次免赔，赔付比例100%）。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%).The medical expense limits for Plan C 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 800,000 (covering only within-social-security medical expenses, with no per-claim deductible and a reimbursement ratio of 100%). - 本保险计划中，住院医疗费用责任仅限社保内医疗费用，赔付比例100%。其中：计划A扩展承保自费医疗项目500元；计划B扩展承保自费医疗项目1000元；计划C扩展承保自费医疗项目5000元
。Under this insurance plan, the coverage for inpatient medical expenses is limited to medical costs covered by social security, with a reimbursement ratio of 100%. Specifically: Plan A extends coverage to include self-paid medical items up to 500 yuan; Plan B extends coverage to include self-paid medical items up to 1,000 yuan; Plan C extends coverage to include self-paid medical items up to 5,000 yuan. - 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50000元人民币，每次事故的免赔为1000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、留学期间的责任。This insurance only covers the period of travel within the mainland of the People's Republic of China (excluding Hong Kong, Macau and Taiwan).
- 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. - 被保人限制：被保险人仅限为非中国国籍的学生。Insured Person Restrictions: The insured persons are limited to students with non-Chinese nationality only.
- 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).
- 若提供保险保障、赔付相关索赔或提供相关利益会使本保险人面临联合国决议或欧盟、英国、美国或其他任何适用于本保险人的司法管辖区的贸易或经济制裁、法律法规所规定的制裁、禁止
或限制，则本保险人不予提供本保险合同下的任何索赔或提供任何利益。No insurer shall be deemed to provide cover and no insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose that insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America or the trade or economic sanctions, laws or regulations of any jurisdiction applicable to that insurer. - 为实现本保险合同的目的，投保人已取得被保险人单独同意由保险人按照其发布在官网的隐私政策（https://www.starrchina.cn/Privacy-Policy/；）处理（包括不限于收集、使用、向第三方提供）
被保险人的个人信息。如被保险人为未满十四周岁的未成年人，投保人已获得了被保险人的父母或监护人的单独同意，同意保险人根据其隐私政策处理未成年人个人信息。保险人将按照在官网发布的隐私政策收集、处理被保险人个人信息，并不时更新隐私政策。 For the purposes of this insurance contract, the policyholder has obtained the insured's separate consent for the insurer to handle (including, without limitation, collecting, using, and providing to third parties) the insured's personal information in accordance with the insurer's privacy policy posted on its website. If the insured person is a minor under the age of fourteen, the policyholder has obtained separate consent from the insured person's parent or guardian for the insurer to handle the minor's personal information in accordance with the insurer's privacy policy. The insurer will collect and process the personal information of the insured person in accordance with the privacy policy published on the official website and will update the privacy policy from time to time. - 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.