Q & A:Insurance
1.Do I need travel insurance when coming to China? - Top
Yes, it is essential that travelers coming to China purchase comprehensive travel insurance in their home country before leaving. China Highlights included a limited insurance cover as part of all tour packages however this insurance cover should not be relied upon as the sole cover for travelers.
2.What does the insurance cover? - Top
In case that the Insured sustains accidental injury or is stricken by acute diseases while the Policy is in force, the Insurance Company will deliver the benefit payment in accordance with the following provisions:
1. Upon the death of the Insured due to the acute illness or disease itself within 7 days after he or she is stricken, the Insurance Company will pay the death benefit.
2. Upon the death of the Insured due to the accidental injury itself within 180 days after the occurrence of accident, the Insurance Company will pay the death benefit.
3. In case the Insured is missing because of the accident and is afterwards declared dead by the People's Court, the Insurance Company will pay the death benefit.
4. If the Insured sustains bodily disability from and only from the same accidental injury, the Insurance Company shall, upon receipt and approval of the proofs, pay a benefit for the disability provided such disability shall result within 180 days from the date of the accident. If treatment of such disability continues beyond 180 days from the date of the accident, the Insurance Company will pay disability benefits according to its appraisal of the seriousness of Insured's disability on the 180th day from the occurrence of the accident.
5. The Insurance Company will indemnify 80% of the medical expenses when the Insured incurred medical expenses are provided in hospitals at or above the county level or other medical providers approved by the Insurance Company, .
6. The Insurance Company will indemnify the expenses according to the actual expenditures within the funeral benefit,the corpse treatment and repatriation of the remains if the Insured's death is from from the aforesaid causes.
N.B. China Pacific Life Insurance does not accept insurance policies for the people who are over 75. Please make sure that your own insurance is valid before traveling to China.
Exclusions:
Benefits shall not apply to any event which causing the Insured's death, disability or engenders medical expenses to the Insured:
1. violation or attempted violation of the law or resistance to arrest;
2. fighting, excessive drinking, suicide, self-inflicted injury or drug abuse by the Insured;
3. accidents occurring while or because the Insured is affected by alcohol, any drugs or restricted medicines;
4. the Insured's driving after drinking or without driving license or using non validly-registered vehicles;
5. accidents arising from the Insured's abortion and childbirth;
6. any malpractice event arising from cosmetic surgery, or other surgical or medical operations;
7. non-prescribed medicine or ointment taken by the Insured;
8. the period of time when the Insured carries AIDS or is tested HIV positive;
9. war, military activities, riot, or armed rebellion;
10. nuclear explosion, nuclear radiation or nuclear pollution;
11. non-medical treatment such as health nursing performed to the Insured;
12. home care and in-house care undertaken to the Insured;
13. teeth washing, teeth cleaning, optometry, ocular prosthesis, armature prosthesis, and installation of artificial limb and hearing-aid;
14. treatment and rehabilitation of disability existed prior to the Insured's application;
15. the Insured's hospital transfer without the Insurance Company's prior consent;
16. the insured leaving the sites of sightseeing arranged by the tourism agency or taking transportation means other than that of the tourism agency.
Insurance Period
1. The Insurance Period of the Policy covering the tourists entering China commences from the time the Insured enters China and takes part in the itinerary arranged by the tourism services, and terminates at the time the Insured completes exit formalities to departing China and ends the journey.
2. The Insurance Period of the Policy covering the tourists traveling domestically commences from the time the Insured boards on the transportation vehicle arranged by tourism services at specified time, and terminate at the time the Insured leave the transportation vehicle arranged by tourism services to end the journey.
3. The Insurance Period ends at the time the Insured ceases the specified itinerary when the Policy is in force.
The Sum Insured
Accident Insurance: RMB200,000
Hospital Allowance: RMB20,000
Funeral Insurance: RMB20,000
Total Sum Insured: RMB240,000
