【拒签险】太平洋平安旅行境外险

摘要：本产品仅承保中国大陆公民及港、澳、台人士。1、产品名称：太平洋“平安游”境外险2、投保人：本产品投保人年龄为年满16周岁有完全民事行为能力，且对被保险人具有可保利益的自然人。3、被保险人：本产品被保险人年龄限0-100周岁身体健康且能正常出行的人士；对于不满16周岁的未成年人投保，投保人必须为其父母…

【拒签险】太平洋平安游境外旅行险

本产品仅承保中国大陆公民及港、澳、台人士。

1、产品名称：太平洋“平安游”境外险

2、投保人：本产品投保人年龄为年满16周岁有完全民事行为能力，且对被保险人具有可保利益的自然人。

3、被保险人：本产品被保险人年龄限0-100周岁身体健康且能正常出行的人士；对于不满16周岁的未成年人投保，投保人必须为其父母或法定监护人。

4、受益人：本保险合同的身故受益人为法定受益人，其他保险责任的受益人为被保险人本人。

5、缴费方式：本保险产品为一次性付款。

6、购买份数：每位被保险人仅限投保一份，多投无效。

7、保险期间及保险责任期间：本产品的保险期间为7-90天，以保险单载明的起讫时间为准。保险责任起讫详见旅行人身意外伤害保险（2023版互联网）条款第十条。

8、犹豫期：本产品无犹豫期。

9、等待期：本产品不设置等待期。

10、特别约定：                           

1）投保人就同一被保险人在同一保险期间内仅限投保1份，多投无效。

The proposer is limited to only one insurance policy for the same insured person during the same insurance period. Multiple applications will be invalid.

2）未成年人保额限制：根据《中国保监会关于父母为其未成年子女投保以死亡为给付保险金条件人身保险有关问题的通知》【保监发（2015）90号】规定，对于被保险人不满10周岁的,死亡给付保险金额总和不得超过人民币20万元；被保险人已满10周岁但未满18周岁的，死亡给付保险金额总和不得超过人民币50万元。本保险可承保的未成年被保险人身故保险金额为中国保监会规定的限额扣除其在本公司及其他保险公司已经参保的身故保险金额后的差额部分（不包含航空意外死亡保险金额及重大自然灾害意外死亡保险金额）。

Limitation on Insured Amount for Minors: According to the "Notice of China Insurance Regulatory Commission on Issues Concerning Personal Insurance for Parents to Insure Their Minors with Death Benefit Conditions" (CIRC No. 90 [2015]), for insured persons under 10 years old, the total death benefit payment shall not exceed CNY 200,000; for insured persons aged 10 to under 18 years old, the total death benefit payment shall not exceed CNY 500,000. The maximum sum insured for minors in this insurance shall be the difference between the limit stipulated by the China Insurance Regulatory Commission and the sum insured for death benefit already covered by this Company and other insurance companies (excluding the sum insured for accidental death due to aviation and major natural disasters).

3）本保单旅行医疗（含意外伤害和急性病,含门急诊及住院）保险责任：本保障无免赔，根据保险责任在保险金额内按100%给付比例赔付保险金。其中急性病医疗赔偿限额为人民币1000元（以计划一为例，具体以保单为准）。

The travel medical insurance (including accidental injuries and acute diseases，outpatient and inpatient) responsibility of this policy has no deductible, and the insurance company will pay benefits at a rate of 100% within the coverage amount according to the insurance liability.The compensation limit for acute medical treatment is RMB 1,000 (example plan 1).

4）本保单紧急医疗转运及送返保险责任，尼泊尔地区的直升机救援费用以人民币6000元为限。

The emergency medical evacuation and repatriation insurance liability of this policy, the cost of helicopter rescue in Nepal is limited to RMB 6,000.

5）本保单亲属探病保险责任：每日住宿费用最高为300元，累计最高赔偿限额以保险金额为限。

The family visit insurance responsibility of this policy:daily accommodation expenses are capped at 300 yuan, with the total maximum compensation limited to the insured amount.

6）本保单航班到达延误保险责任，每延误5小时（含）赔偿人民币300元，累计以保额为限。对于“航班延误改签”或“航班中转延误”，最高赔付金额不超过人民币300元。

The flight arrival delay coverage: compensation of RMB 300 for every 5 hours (or part thereof) of flight delay, with a cumulative limit based on the coverage amount.For "flight delay change" or "flight transfer delay", the maximum amount of compensation shall not exceed RMB 300.

7）本保单行李延误保险责任，每延误6小时（含）赔偿人民币500元，累计以保额为限。

The baggage delay insurance responsibility of this policy compensates RMB 500 for every 6 hours of delay (including), with a cumulative limit based on the coverage amount.

8）本保单签证拒签保障责任，其中获得美国签证拒签保障需最少购买15天的保险方案。

This policy covers visa rejection protection liability. To obtain US visa rejection protection, you need to purchase an insurance plan for at least 15 days.

9）本保单行李物品损失保险责任：每件/每套行李物品的最高赔偿限额为人民币1000元。被保险人需提供遗失或损坏物品的购置发票/有效凭证或维修发票，报警记录、机场证明、损失清单等，保险公司按实际损失核定赔付，若无法提供购置发票/有效凭证或维修发票，每件/每套最高赔付金额不超过人民币200元。本保险责任累计最高赔偿限额不超过保单载明的保额。

The insurance coverage for baggage loss/damage: The maximum compensation limit for each piece/set of baggage items is RMB 1,000. The insured must provide purchase invoices/valid certificates or repair invoices for lost or damaged items, along with police reports, airport certificates, loss lists, etc. The insurance company shall assess the actual loss for payout. If purchase invoices/valid certificates or repair invoices cannot be provided, the maximum compensation per piece/set shall not exceed RMB 200. The cumulative maximum compensation limit for this insurance coverage shall not exceed the sum insured stated in the policy.

10）本保单银行卡盗刷保险责任，不适用于18周岁（不含）以下未成年人。

The bank card skimming insurance responsibility of this policy is not applicable to individuals under the age of 18.

11）本保单身故遗体送返保险责任，其中就地安葬费用最高不超过人民币1万元。

This policy covers the repatriation of remains, and the maximum burial expense is RMB 10,000 yuan.

12）本保单旅行家居保障责任，每件/套最高赔付金额不超过1000元。

This policy provides travel household protection liability, and the maximum compensation amount per piece/set shall not exceed RMB 1,000.

13）本保单意外伤害住院津贴保险责任，累计给付天数最高不超过30天（自住院治疗起）。

The accidental injury hospital allowance insurance responsibility of this policy has a maximum cumulative payment period of not more than 30 days(from the date of hospitalization).

14）本保单旅行绑架及非法拘禁保险责任，累计给付天数最高不超过30天。

The travel kidnapping and unlawful detention insurance responsibility of this policy has a maximum cumulative payment period of not more than 30 days.

15）本保险计划承保区域适用于全球范围，不包括俄罗斯、白俄罗斯、古巴、伊朗、朝鲜、苏丹、叙利亚、乌克兰、克里米亚，以及出发前已处于战争状态或已宣布为紧急状态的国家和地区、被保险人常住地。

The coverage area of this insurance plan applies to the whole world, excluding Russia, Belarus, Cuba, Iran, North Korea, Sudan, Syria, Ukraine, Crimea, and countries and regions that are in a state of war or have declared a state of emergency before departure, areas where the insured person has a permanent residence.

16）本保险由北京华助旅行援助服务有限公司提供紧急救援服务，24小时全球救援服务热线 24hr. Global Asistance Hotine：+86 10 65668118。

This insurance is provided by Beijing China Assist Co., Ltd. for emergency rescue services, with a 24-hour global rescue service hotline: +86 10 65668118.

17）本保单中英文内容和措辞有任何差异，以中文为准。

In the event of any discrepancies between the English and Chinese versions under this insurance policy，the Chinese version shall prevail.

18）本保单不承保游轮旅行/邮轮旅行。

19）本保单保险人认可的医疗机构指：（1）保单列明的境外目的地及就近区域的医疗机构；（2）中华人民共和国大陆（不含港、澳、台地区）合法经营的二级以上（含二级）公立医院；（3）港、澳、台地区被保险人常住地的合法经营的公立医院。

The medical institutions recognized by the insurer under this policy refer to:(1) Medical institutions in the overseas destinations specified in the policy and their nearby areas;(2) Legally operated public hospitals at or above Level 2 (including Level 2) in the mainland of the People's Republic of China (excluding Hong Kong, Macao and Taiwan regions);(3) Legally operated public hospitals in the place of permanent residence of the insured in Hong Kong, Macao and Taiwan regions.

11、其他：本产品所有的页面文字描述为展示作用，具体保障方案等信息以投保后生成的电子保单为准，保险公司保留在法律规定范围内的解释权利。