Interpretation of overseas travel insurance clauses

Overseas travel insurance is a comprehensive insurance protection against accidents and medical risks that nationals may face when traveling abroad. It is a comprehensive 24-hour all-weather emergency rescue service and insurance guarantee for accident, medical and rescue services jointly launched for overseas travel, visiting relatives and friends and overseas business trips. The following article introduces the relevant contents of overseas travel insurance clauses for everyone.

Interpretation of overseas travel insurance clauses

Overseas travel insurance clauses mainly include:

1. This insurance contract consists of insurance clauses, application form, insurance policy, insurance certificate and approval form. Any agreement on this insurance contract shall be in written form.

2. Any healthy natural person who is under 80 years of age, has a fixed residence in China, travels abroad temporarily, and meets the underwriting conditions of the insurer may apply to the insurer for this insurance and become the insured of this insurance. If the insured is a minor, his parents or guardians shall be the insured. Parents are old, how to buy insurance? I just sorted out the relevant contents, hoping to help you: buy insurance for parents and the elderly, and be sure to avoid these pits!

3. The insured under this insurance contract shall be the insured himself with full capacity for civil conduct and other persons with insurable interests to the insured.

4. The beneficiaries of this insurance contract include: (1) the beneficiaries of death insurance; (II) Beneficiary of disability or burn insurance Unless otherwise agreed, the beneficiary of disability or burn insurance in this insurance contract is the insured himself.

5. During the insurance period, if the insured suffers death, disability or burns due to accidental injury, the insurer shall pay the insurance benefits according to the following agreement, and the sum of the various insurance benefits paid shall not exceed the insured amount.

Six, due to some reason, the insured died, disabled or burned, the insurer shall not be liable for the payment of insurance money. If the applicant, the insured or the beneficiary of the insurance money knows of the occurrence of the insured accident, it shall promptly notify the insurer. If it is difficult to determine the nature, cause and loss degree of the insured accident due to intentional or gross negligence, the insurer shall not be liable for paying the insurance premium for the uncertain part, except that the insurer has known or should have known the occurrence of the insured accident in time through other means.

Seven, the insured in the period stipulated in the contract suffered injuries, resulting in death, disability or burns, the insurer is not responsible for the payment of insurance money.

Eight, the insured amount is the highest amount of insurance liability of the insurer. The insured amount of this insurance contract is "accidental injury insurance amount", which is agreed by both the applicant and the insurer and stated in the insurance policy.

Understand the terms of overseas travel insurance and suggest buying it as soon as possible.

After you understand the terms of overseas travel insurance, China Merchants Cigna now enjoys global overseas travel accident insurance, which is suitable for global overseas travel, covering travel accidents, sudden sexually transmitted diseases, medical treatment, death, etc., and has unique global overseas hospitalization and outpatient medical services, so that everyone can go out without worry. At the same time, if the insured dies or is disabled due to an accident while traveling abroad, we will pay the accidental death insurance premium or accidental disability insurance premium according to the proportion agreed in the personal insurance disability assessment standard. When the insured travels abroad, he receives emergency medical consultation and necessary medical examination and treatment with the permission of the doctor authorized by the rescue agency due to accidental injury or sudden acute disease. We will bear the resulting outpatient expenses through the relief agency, including general outpatient expenses and dental outpatient expenses of 4,000 yuan or 8,000 yuan respectively. (The deductible is 65438+ 00% of the insured amount).

Through the above introduction, I believe you have a better understanding of the terms of overseas travel insurance. I hope you can buy overseas travel insurance as soon as possible, which is also a more favorable guarantee for yourself.

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