Overseas travel accident insurance

Overseas travel accident insurance refers to "overseas travel to personal accident insurance", which is a kind of personal accident insurance.

Conditions of the insured:

The insured shall be a natural person who has reached the age of one year (as defined in 1) to seventy-five years (including one year and seventy-five years), is in good health, can work or lead a normal life, participates in tour groups or travels to China people and foreign countries by himself.

The insured shall be:

The insured himself with full capacity for civil conduct and other persons who have insurable interests in the insured. Or organs, enterprises, institutions and social organizations that have insurable interests with the insured.

Extended data:

If the insured dies, is disabled or burns due to the following reasons, the insurer shall not be liable for paying the insurance money:

1, intentional behavior of the insured;

2. The insured causes self-mutilation or suicide, except that the insured commits suicide as a person without civil capacity;

3. Fighting, fighting, being attacked or murdered due to the provocation or intentional behavior of the insured;

4. Pregnancy, abortion, childbirth, illness and drug allergy of the insured;

5. The insured accepts medical examination, anesthesia, cosmetic surgery and other internal and surgical operations;

6. The insured fails to take, smear or inject drugs according to the doctor's advice;

7. Explosion, burn, pollution or radiation caused by any biological, chemical or atomic weapon, atomic energy or nuclear energy device;

8. Terrorist attacks;

9. The insured commits a crime or resists arrest;

10, accident caused by insanity or disorder of the insured;

1 1. The insured is infected by bacteria, viruses or parasites (except those who are injured and cause wound abscess); Or the insured suffers from heatstroke or food poisoning;

12, which directly or indirectly causes an outbreak of epidemic disease (see Article 7) or a large-scale epidemic disease (see Article 8);

13. The insured engages in high-risk sports such as skydiving, gliding, adventure activities (see Article 9), martial arts competitions (see Article 10), wrestling competitions, stunt performances (see Article1/kloc-0), horse racing, equestrian performances, car racing, boxing, etc. or

14. The insured participates in any professional, semi-professional or sports activities with bonuses and remuneration;

15. The insured participates in military and police tasks or performs tasks as law enforcement officers;

16. The insured is employed by merchant ships and performs duties; Serving in the navy and air force; Occupational operation or testing of any kind of vehicle; Engaged in professional activities such as petroleum or chemical industry, deforestation industry, construction engineering industry, transportation industry, extractive industry, mining industry, aerial photography, handling explosives, water work, aerial work and so on. (any manual labor or work related to operating the machine);

17, illegally riding a vehicle or riding a vehicle that has not been registered and licensed by the relevant government department in the place where the insured accident occurred;

18, aviation or flight activities, including being a pilot or aircrew, except as a paying passenger on a passenger civil aviation flight;

19. The insured travels for the purpose of receiving medical treatment or rehabilitation (see Article 12); The insured travels against the doctor's advice or travels when the insured's physical condition is not suitable for travel;

20. The insured did not listen to the advice of the attending doctor and immediately returned to China for further treatment, resulting in the loss caused by the deterioration of his condition (see article 13). ?

Baidu Encyclopedia-Overseas Travel Personal Accident Insurance