Basic terms of overseas insurance

Overseas Travel Personal Accident Insurance

If the insured suffers an accidental injury resulting in death, disability or burns during his overseas travel, the insurance company will provide compensation based on the terms of the insurance contract. It is agreed that insurance compensation will be provided within the specified scope of insurance liability.

Overseas travel acute disease protection

If the insured suffers from a sudden acute disease as stipulated in the contract during overseas travel, the insurance company will provide the following rescue through the rescue service agency stipulated in the contract services and bear corresponding expenses, limited to the insured amount stated in the insurance policy.

Overseas travel emergency assistance service

Complete travel information abroad: If requested by the insured, the rescue service agency can provide information on foreign visas, vaccinations, weather forecasts, airport taxes, exchange rates, etc. information.

Assist in arranging medical treatment: Based on the insured's physical condition, illness, etc., the rescue service agency assists the insured to meet the local treatment requirements as much as possible, has been reviewed and certified by the insurer, or has a cooperative relationship with the rescue service agency medical institutions (doctors, hospitals, clinics, dentists, etc.). If the condition is serious, the rescue service agency will assist in arranging medical treatment for the insured person.

Guarantee or advance payment of medical expenses during hospitalization: When the insured suffers an accidental injury or sudden acute illness while traveling overseas and requires hospitalization, if the overseas travel insurance contract held by the insured covers it After receiving the instruction from the insurer, the rescue service agency will provide compensation for the insured’s overseas hospitalization medical expenses due to the accidental injury or sudden acute illness within the scope of the insurance liability and insurance amount of the contract held by the insured. The insurer provides guarantee or advance payment for medical expenses during hospitalization.

The protection content of other overseas business insurance shall be subject to the content stipulated in the insurance contract terms. When applying for insurance benefits from the insurance company, the insurance claimant should submit the following materials. If the insurance applicant is unable to provide the following materials due to special reasons, he should provide other legal and valid materials. If the applicant for insurance benefits fails to provide relevant materials, resulting in the insurer being unable to verify the authenticity of the application, the insurer shall not be responsible for paying insurance benefits for the portion that cannot be verified.

1. Overseas travel personal accident claims: insurance payment application form; original insurance policy; identity certificate of the insurance applicant; death certificate of the insured, disability or burns and scalds appraisal issued by relevant formal institutions Diagnostic certificate; other certificates and information that the insurance applicant can provide to confirm the nature, cause, extent of loss, etc. of the insured accident;

2. Other overseas travel liability claims: insurance payment application The original insurance policy; the identity certificate of the insurance claimant; the death certificate of the insured issued by the relevant formal institution, the official invoice or valid receipt of related expenses (such as transportation expenses, accommodation expenses, funeral expenses, etc.); insurance application Other certificates and information that can be provided by the insured to confirm the nature, cause, extent of loss, etc. of the insured accident.