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- 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》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” and its riders issued by Starr Property & Casualty Insurance(China) Company Limited.
- 承保年龄为出生后两周至85周岁，以保险起期时被保险人的周岁年龄为准。71至85周岁的被保险人，其涉及“意外身故、残疾保障”、“公共交通工具意外保障”、“疾病身故保障”和“医疗费用保障”（包括疾病及意外医疗）的保险金额为上表所载金额的一半，保险费维持不变Insured Persons must be from 2 weeks to 85 years of age inclusive upon application. For any Insured Person aged from 71 to 85 years old, half Maximum Limit under “Accidental death & disablement” , “Common carrier accident death & disablement” , “Acute sickness death” and “Medical reimbursement”(including sickness and accident) benefit applies and the premium remains unchanged.
- 按中国保监会规定，10周岁（不含）以下的未成年人累计身故保险金额不得超过人民币20万元；10至17周岁的未成年人累计身故保险金额不得超过人民币50万元。若未成年被保险人的累计身故保险金额超过上述规定，则以上述规定的保险金额为限。In accordance with the regulations，the aggregated indemnity for accidental death shall neither exceed RMB200,000 for insured person below the age of 10 nor exceed RMB500,000 for insured person between the age of 10 and 17.Juvenile's Indemnity should be limited to the amount stated above if juvenile's aggregated policy limit exceeds corresponding amount above.
- 每位被保险人限投保壹份。Each insured person shall only apply for one insurance policy for the same insurance period.
- 在同一保险期间,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;若被保险人为同一旅行自愿投保多种综合保险(不包括团体保险),且在不同保障产品中有相同保险利益的,仅按其中保险金额最高者做出赔偿,并退还其它保险项下已收取的相应保险利益的保险费。
- 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、残疾保险”、“疾病身故”、“急性病身故”、“猝死保险”、“医药补偿保险”、“意外每日住院津贴”、“每日住院津贴”或“重大疾病保险”（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。
- 在任何情况下，本保险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、南极圈以内地区、除俄罗斯、美国、加拿大、丹麦、冰岛、挪威、瑞典、荷兰外的北极圈以内地区、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，或在上述国家或地区旅行期间发生的保险事故。Under any circumstances, this policy does not cover any trips directly or indirectly to the following countries: Somalia, Libya, Liberia, Syria, Afghanistan, North and south of Sultan, the Democratic Republic of Congo, Iraq, Central Africa, Yemen, Palestine, Antarctica, the Arctic except Russia, the United States, Canada, Denmark, Iceland, Norway, Sweden and the Netherland, other countries or districts under warfare status or have declared a state of emergency when apply for the insurance, or accident occur in the above-mentioned countries or districts during the travel.
- 一年期保单保险期间内不限出行次数，每次承保旅程最长期限为183天。Unlimited number of trips during insurance,the maximum duration of a single undertaking is 183 days.
- 因乘坐泰国东方航空（航班代码：OX）导致的旅行延误、旅行取消不属于保险责任范围。Travel delay or cancellation with Orient Thai Airlines (OX) will be excluded.
- 高风险运动承保项目：海拔6000米以下的休闲旅游、远足徒步、登山运动、山地穿越、露营、固定路线洞穴体验、野外生存、徒步穿越无人区（沙漠、戈壁等）；定向运动、拓展活动、场地趣味活动；自行车运动、山地自行车越野、场地/越野轮滑、自驾车旅行；游泳、潜水（下潜深度不超过18米）、溯溪、划船、帆船、帆板、皮划艇、漂流；人工场地攀岩及下降、攀冰、滑雪运动；骑马游玩、马术培训、马术比赛（竞速赛、绕桶赛）。 不承保：海拔6000米以上的攀登、滑雪、高山滑翔、极地探险，非固定路线洞穴探险、蹦极、自由式潜水（下潜深度超过18米，无水下呼吸设备）、赛车、跳伞、滑翔翼等高风险探险类活动。The above insurance plan covers sports category:below an altitude of 6000 meters including tourism,hiking,mountaineering,hiking through mountain,camping,fixed routes caving,wildness survival,hiking through uninhabited region(desert and gobi,etc.);orienteering,outreach,site fun activity;biking,cross-country mountain biking,artificial site/cross-country mountain roller skating,self-driving tour;swimmming,diving(descending to depths no more than 18 meters),river trekking,rowing,sailing,boardsailing,canoeing,rafting;rock climbing and declining in artifical/natural site,ice climbing,skiing;horse riding for fun,equestrisan training,equestrisan event(racing and barrel racing).exclusion:over an altitude of 6000 meters including mountaineering,skiing,alpine gliding,parachuting,polar expedition,non-fixed routes caving,bungee jumping,free diving(descending to depths more than 18 meters without underwater breathing apparatus)
- 包机属于除外责任。Charter flights are exclusions.
- 本保险仅承保在中华人民共和国大陆地区以外的境外（含香港、澳门、台湾地区）旅行期间的责任。This insurance is solely responsible for the liability of the insured to travel outside the mainland of China (including Hong Kong, Macao and Taiwan).
- 如投保一年期保单，年内不限出行次数，单次旅行不超过183天。If the one-year policy is insured, unlimited number of trips during insurance,the maximum duration of a single undertaking is 183 days.
- 本计划中公共交通工具不包含邮（游）轮。
- 若拒签办理退保，不能申请理赔；申请理赔后，不能办理退保、变更。
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