华泰境外邮轮险

1.承保年龄范围：出生满30天至80周岁 （含30天和80周岁）。

Coverage age range: from 30 days after birth to 80 years of age inclusive.

2.根据国务院保险监督管理机构的规定，除航空意外身故责任和和重大自然灾害意外身故责任对应的保险金额外，对于未成年人作为被保险人的人身保险，在被保险人成年之前，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。

In accordance with the provisions of the national insurance regulatory authorities, except for death benefits due to an aviation accident or a major natural disaster, the total amount of compensations to be paid by all insurance companies upon the death of an insured under the age of 18, shall be subject to the following limits:(1) Not more than RMB 200,000, if the insured is under 10 years old; (2) Not more than RMB 500,000, if the insured has reached 10 years old but is under 18 years old.

3.71至80周岁（含80周岁）的被保险人，其“境外旅行人身意外身故&伤残”和“突发急性病身故”的保险金额为上述所载保险金额的一半，保险费维持不变。

For 71-80 years of age (inclusive), the insurance benefits for “Overseas Travel Accidental Death & Disablement" and"Sudden Disease Death " are half of the amount contained in the above mentioned "insurance liability"; the premiums shall remain unchanged.

4.保障计划必须在被保险人离开境内日常居住地或日常工作地前投保，否则无效。

The coverage should be applied before the Insured leave daily residence or workplace, otherwise the policy is invalid.

5.以下三项责任在同一保险期间内仅赔偿其中一项，不可同时赔付：“附加邮轮港口停靠时间缩短”、“附加邮轮返港延误”和“附加邮轮旅行线路变更”。

Only one from below 3 liabilities could be claimed: Shortened time of shore excursion due to delay of cruise、Delayed arrival of return voyage of cruise、Cruise line Changes.

6.本产品不承保任何直接或间接前往或途径索马里、利比亚、利比里亚、叙利亚、阿富汗、南北苏丹、刚果民主共和国、伊拉克、中非、也门,巴勒斯坦、以色列、南极、北极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。

This policy shall not cover the any direct to or via: Somalia, Libya, Liberia, Syria, Afghanistan, northern and southern Sudan, Congo, Iraq, Central Africa, Yemen, Palestine, Israel, South Pole, North Pole or other countries or areas that are in state of war or national emergency.

7.24小时AA国际救援热线（+8610）51295700。

The 24-hour Assist America International Assistance Hotline（+8610）51295700.

8.本保险产品生效后不可退保。

This policy cannot be cancelled once it becomes effective.

9.附加旅程延误”和“附加行李延误”责任不保障被保险人所乘坐航班的购票时间在原定起飞时间24小时以内的情形，且保险事故发生后须30天以内向保险人报案。对于超过30天及以上报案，导致保险人无法核实保险事故真实性的，保险人不予赔付。

Travel Delay or Baggage Delay benefits are excluded for any flight with tickets bought (or changed) within 24 hours before the original flight time. The claim shall be reported to the insurer within 30 days after the insurance accident happened. The insurer will reject any claim which is reported after 30 or more days if the late report leads to insufficient validation of the claim.

10.本产品每一被保险人限投一份，若同一个被保险人就同一旅行同时投保本保险公司2份（或以上）任何旅行险或航意险产品（不包括团体保险），则仅按相同保险利益中保额最高者作出赔偿。

The insured may be covered under only one policy at the same time. If the insured is covered under more than one travel/aviation non-group policies from Huatai for the same trip, and they include the same benefit, Huatai will compensate the benefit according to the greatest sum assured.

11.本产品条款备案编号为：华泰财险境外旅行人身意外伤害保险：(华泰财险)(备-普通意外保险)【2018】(主) 010号；突发性疾病身故保险条款：华泰财险（备-健康）【2015】（主）21号；附加旅行医疗费用保险条款：华泰备案【2009】N231号；华泰财险附加医疗运送和送返保险:(华泰财险)(备-其他)【2018】(附) 024号;华泰财险附加旅程取消保险:(华泰财险)(备-其他)【2018】(附) 002号;华泰财险附加旅行证件丢失保险:(华泰财险)(备-普通家财险)【2018】(附) 016号;华泰财险附加个人行李及随身物品保险:(华泰财险)(备-普通家财险)【2018】(附) 005号;华泰财险附加邮轮旅行不便保险条款:C00015431922018040504052;华泰财险附加旅行个人第三者责任保险:(华泰财险)(备-责任保险)【2018】(附) 014号。

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