华泰欧洲申根旅游险

1.承保年龄范围限30天（需健康出院）至80周岁 （含30天和80周岁）。

The age limit of Insured Persons under this Insurance Program is between 30 days-80 years of age (Including 30 and 80).

2. 承保地区：欧洲申根地区。

Insured area:Schengen Countries.

3.每位被保险人在同一保期内只能购买一份本保险产品。

The Insured can apply only one coverage at the same insurance period in Huatai.

4. 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 insurance benefits for losses due to death as result of aviation accident or major natural disasters, for personal insurance of minor children as the insured where the insured has yet to reach the minimum statutory age for an adult, the total amount of insurance benefits that shall be payable upon the death of the insured agreed under various insurance contracts, and the total amount of insurance benefits to actually be paid by all insurance companies upon the death of the insured, shall be subject to the following limits:(1) Not more than RMB 200,000, if the insured is under 10 years of age; and(2) Not more than RMB 500,000, if the insured is above 10 years of age but is under 18 years of age.

5. 65至80周岁（含65和80周岁）的被保险人，其“意外身故、伤残”和“突发性疾病身故”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 65-80 years of age (inclusive), the insurance benefits for “Overseas Travel Accidental Death & Disablement" and “Sudden Illness Death” are half of the amount contained in the above mentioned "insurance liability"; The premiums shall remain unchanged.

6.户外运动包括非职业性、非比赛性和非商业性的潜水、滑雪、滑水、热气球、蹦极、冲浪、风筝冲浪、攀岩、速降、自行车、徒步、野外穿越、野外定向、登山、溯溪、骑马、皮划艇、帆船、野战、拓展训练、漂流、自驾车。

Outdoor sports, including non-professional, non-competitive and non-commercial diving, skiing, water skiing, hot air ballooning, bungee jumping, surfing, kite surfing, rock climbing, downhill, bicycle, hiking, field crossing, orienteering, mountaineering, canyoning, horseback riding, canoeing, sailing, field training, expand training, rafting, self-driving.

7.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、也门、巴勒斯坦、以色列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, North and South Sudan, Democratic Republic of the Congo, Iraq, Yemen, Palestine, Israel or other countries or areas that are in state of war or national emergency.

8.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.

9.提供医疗援助协助、旅行信息服务，24小时AA国际救援热线（+8610）51295700。

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

10.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.

11.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.

12.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；附加旅行医疗费用保险条款：华泰备案【2009】N231号；附加旅行住院津贴保险条款：华泰备案【2009】N35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；华泰财险附加住院探望保险：(华泰财险)(备-其他)【2018】(附) 018号；华泰财险附加住院探望保险：(华泰财险)(备-其他)【2018】(附) 018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；华泰财险附加旅程延误保险：(华泰财险)(备-其他)【2018】(附) 020号；华泰财险附加行李延误保险：(华泰财险)(备-其他)【2018】(附) 003号；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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