| 保障金额(元) 保险责任 | ||||||||
| 单次计划一 | 单次计划二 | 单次计划三 | 单次计划四 | 全年计划一 | 全年计划二 | 全年计划三 | 全年计划四 | |
| 意外身故、伤残 Accidental death and disability | 300000 | 500000 | 600000 | 1000000 | 300000 | 500000 | 600000 | 1000000 |
| 公共交通意外身故、伤残（与主险叠加赔付）Common carrier acdidental death and disability | 100000 | 200000 | 300000 | 300000 | 100000 | 200000 | 300000 | 300000 |
| 自驾意外身故、伤残（不适用于未成年人，与主险叠加赔付） Accidental death and disability while driving | 100000 | 200000 | 300000 | 300000 | 100000 | 200000 | 300000 | 300000 |
| 意外和急性病医疗费用（包含门诊及住院，提供医疗直付服务）Medical reimbursement (covers outpatient and inpatient,provide medical direct payment services) | 300000 | 350000 | 400000 | 600000 | 300000 | 350000 | 400000 | 600000 |
| 急性病身故 Death Due to Acute disease | 10000 | 15000 | 20000 | 20000 | 10000 | 15000 | 20000 | 20000 |
| 紧急医疗运送和送返（尼泊尔医疗运返责任以5,000元为限） Medical evacuation and repatriation(Medical repatriation to Nepal limited to RMB5,000) | 300000 | 500000 | 1000000 | 2000000 | 300000 | 500000 | 1000000 | 2000000 |
| 身故遗体送返（其中丧葬费以16,000元为限）Repatriation of remains (funeral expenses limited is RMB16,000) | 300000 | 300000 | 500000 | 1000000 | 300000 | 300000 | 500000 | 1000000 |
| 亲属慰问探访 Compassionate visit of relatives | 5000 | 8000 | 10000 | 10000 | 5000 | 8000 | 10000 | 10000 |
| 海外救护车费用 Overseas Ambulance reimbursement | 300 | 500 | 800 | 800 | 300 | 500 | 800 | 800 |
| 未成年子女送返 Children of minors return to China | 5000 | 5000 | 5000 | 5000 | 5000 | 5000 | 5000 | 5000 |
| 缺席商业活动门票损失补偿 Ticket refund of unattended events | 1000 | 2000 | 3000 | 3000 | 1000 | 2000 | 3000 | 3000 |
| 旅行变更 Trip Disruption | 3000 | 5000 | 10000 | 15000 | 3000 | 5000 | 10000 | 15000 |
| 行李延误（每6小时赔偿500元，单次旅行最高赔偿金额以保险金额为限，保险期间为一年的保险单，保单年度内累计赔付次数以2次为限）Baggage delay (RMB500 per 6 hours) | 500 | 500 | 1000 | 1000 | 500 | 500 | 1000 | 1000 |
| 直飞航班延误（仅承保国际直飞航班的延误，每4小时赔偿300元，单次旅行最高赔偿金额以保险金额为限。保险期间为一年的保险单，保单年度内累计赔付次数以4次为限） Travel delay (RMB300 per 4 hours) | 300 | 300 | 600 | 600 | 300 | 300 | 600 | 600 |
| 旅行证件损失 Loss of travel documents | 3000 | 5000 | 10000 | 10000 | 3000 | 5000 | 10000 | 10000 |
| 绑架及非法拘禁（每24小时赔付3,000元）Kidnapping and illegal detention | 12000 | 12000 | 12000 | 12000 | 12000 | 12000 | 12000 | 12000 |
| 个人随身财物（每件或每套行李限额1,000元）Personal belongings ( RMB 1,000 per item) | 2000 | 5000 | 6000 | 6000 | 2000 | 5000 | 6000 | 6000 |
| 信用卡购物保障（不适用于未成年人）Credit card purchase protection | 1000 | 2000 | 3000 | 3000 | 1000 | 2000 | 3000 | 3000 |
| 个人钱财损失 Loss of money | - | 1000 | 2000 | 3000 | - | 1000 | 2000 | 3000 |
| 旅行期间家财保险（每件物品或每套物品最高赔偿限额1,000元） Home guard | 2000 | 3000 | 5000 | 5000 | 2000 | 3000 | 5000 | 5000 |
| 个人及宠物责任 Personal and pet liability insurance | 100000 | 200000 | 300000 | 500000 | 100000 | 200000 | 300000 | 500000 |
费率表
| 基本保障保险费/人(RMB：元) | 单次计划一 | 单次计划二 | 单次计划三 | 单次计划四 | 全年计划一 | 全年计划二 | 全年计划三 | 全年计划四 |
| 1-7天 | 135 | 180 | 235 | 320 | - | - | - | - |
| 8-10天 | 170 | 220 | 280 | 395 | - | - | - | - |
| 11-14天 | 215 | 280 | 360 | 495 | - | - | - | - |
| 15-17天 | 245 | 330 | 425 | 575 | - | - | - | - |
| 18-21天 | 290 | 390 | 490 | 675 | - | - | - | - |
| 22-24天 | 325 | 430 | 550 | 750 | - | - | - | - |
| 25-28天 | 365 | 490 | 620 | 850 | - | - | - | - |
| 超过28天后, 每增加一周(不到一周按一周计)，但不超183天 | 365+80*周数 | 490+110*周数 | 620+135*周数 | 850+190*周数 | - | - | - | - |
| 全年保障（单次旅行不超过183天） | - | - | - | - | 2000 | 2600 | 3300 | 4600 |
投保须知
- 本保险产品仅由史带财产保险股份有限公司（下称“保险人”或“史带”）承保，史带财产保险股份有限公司目前在北京市、上海市、广东省、山东省、江苏省、浙江省（除宁波市）开设了分支机构，各分支机构将按照各自经营区域进行承保，请您准确填写您的所在地。This insurance product is underwritten by Starr Property and Casualty Insurance Company Limited (hereinafter referred to as the “Insurer” or “Starr”),which currently has branches in Beijing, Shanghai, Guangdong Province, Shandong Province, Jiangsu Province, Zhejiang Province (except Ningbo), and each branch will underwrite the insurance in accordance with its own operation area. Please fill in your location accurately.
- 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（2022版）》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.
- 本保险承保年龄为出生满14天至90周岁（含本数），以保险起期时被保险人的周岁年龄为准。71至80周岁（含本数）的被保险人，其涉及"意外身故、伤残"、"公共交通工具意外身故、伤残"、
"急性病身故"和"自驾意外身故、伤残"保障的保险金额为保险单所载金额的一半，81至90周岁（含本数）的被保险人，其涉及"意外身故、伤残"、"公共交通工具意外身故、伤残"、"急性病身故"和"自驾意外身故、伤残"保障的保险金额为保险单所载金额的四分之一，"意外和急性病医疗费用"的保险金额最高为人民币30万元，保险费维持不变。Insured Persons must be from 14 days after birth to 90 years of age inclusive upon insurance value date. For any Insured Person aged from 71 to 80 years old, half Maximum Limit under "Accidental death & disability" , "Common carrier accident death & disability" , "Accidental death and disability while driving" and "Death Due to Acute disease" benefit applies and the premium remains unchanged. For any Insured Person aged from 81 to 90 years old, one quarter of Maximum Limit under "Accidental death & disability" , "Common carrier accident death & disability" , "Accidental death and disability while driving" and "Death Due to Acute disease"benefit applies and the premium remains unchanged. Limit under Medical reimbursement (including sickness and accident) up to RMB300,000 and the premium remains unchanged. - 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：对于父母为其未成年子女投保的人身保险，在被保险人成年之前，各保险合同约定的被保险
人死亡给付的保险金额总和、被保险人死亡时各保险公司实际给付的保险金总和按以下限额执行：（一）对于被保险人不满10周岁的，不得超过人民币20万元；（二）对于被保险人已满10周岁但未满18周岁的，不得超过人民币50万元。若被保险人是未成年人时,投保人必须是其父母或监护人。According to CIRC's Circular on Issues Related to Parents Insuring Their Minor Children in Life Insurance with Death as the Condition for Payment of Insurance Benefits: For life insurance policies taken out by parents on behalf of their minor children, until the insured reaches the age of majority, the sum of the insurance amounts agreed in each insurance contract to be paid for the death of the insured, and the sum of the insurance benefits actually paid by each insurance company in the event of the death of the insured, shall be subject to the following limits: (i) For the insured person who is less than 10 years of age, it shall not exceed RMB200,000; (ii) For the insured person who is 10 years of age or older but less than 18 years of age, it shall not exceed RMB500,000 If the insured is a minor, the policyholder must be his/her parent or guardian. - 在保单有效期内，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，超出部分视为无效，保险费将无息退还。In the same insurance period, each insured person can only purchase one policy for the same product (including the same plan of the same product or different plans), only the first policy purchased is valid and the others will be void and the relevant premiums will be refunded.
- 若被保险人在任意渠道投保由史带财险承保的多份"意外身故、伤残"、"公共交通工具意外身故、伤残"、"急性病身故"、"自驾意外身故、伤残"、"意外和急性病医疗费用"（不包括团体保险）
，则史带财险仅按其中保险金额最高者做出赔偿。If the applicant applies more than one "Accidental death & disability" , "Common carrier accident death & disability" , "Accidental death and disability while driving", "Death Due to Acute disease" and "Medical reimbursement" (but excluding group insurance) from Starr Property & Casualty Insurance(China) Company Limited(the company), the Company will indemnify the insured only one Benefit with the highest limit. - 在任何情况下，史带财险不承保任何直接或间接前往或途径伊朗、朝鲜、乌克兰（克里米亚地区）、古巴、叙利亚以及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。根据联合国决议或根据美国、欧盟或其他可适用的经济制裁、法律和规定，如果史带财险承保、支付赔款或向被保险人提供任何其他利益的行为，将会导致保险人受到任何制裁、禁令或限制的，则在上述范围内史带财险将不予承保、赔付或提供其他利益。若史带财险在本保险项下提供任何保险保障、利益或支付任何保险赔偿金会导致史带财险违反联合国决议项下的任何制裁、禁止性或限制性规定，或者违反中华人民共和国或美国颁布的任何经济贸易制裁、法律法规时，则史带财险在本保险项下不提供前述保险保障、利益，亦不支付前述保险赔偿金。Under any circumstances, this policy does not cover any trips directly or indirectly to the following countries: Iran, North Korea, Ukraine(Crimea), Cuba, Syria and 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. The Insurer shall not be deemed to cover nor shall be liable to pay any claim or provide any benefit. The Insurer shall not be deemed to cover nor shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the Insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the People's Republic of China or United States of America. - 医疗机构：在中国境内(不包括香港、澳门、台湾地区) 的医疗机构：是指合法的二级及二级以上医保定点医院普通部或投保人与史带财险协商共同指定的医院或医疗机构。在中国境外(包括
香港、澳门、台湾地区)的医疗机构：是指史带财险认可的，根据所在国家法律合法成立、运营并符合以下全部标准的医疗机构:1)主要运营目的是以住院病人形式提供接待病患、伤者并为其提供医疗护理和治疗；2)在一名或多名医生的指导下为病人治疗，其中最少有一名合法执业资格的驻院医生驻诊；3)维持足够妥善的设备为病人提供医学诊断和治疗，并于机构内或由其管理的地方提供进行各种手术的设备；4)有合法执业的护士提供和指导的全职护理服务。医疗机构不包括以下或类似的医疗机构:1)精神病院；2)老人院、疗养院、戒毒中心和戒酒中心；3)健康中心或天然治疗
所、疗养或康复院。Medical Institutions: Medical institutions in China (excluding Hong Kong, Macau and Taiwan): refers to the legal hospitals designated by the medical insurance at Level 2 and above, or the hospitals or medical institutions jointly designated by the policyholder and the insurer by mutual agreement.Medical institution outside of China (including Hong Kong, Macau and Taiwan): means a medical institution recognized by the insurer that is legally established and operated in accordance with the laws of the country in which it is located, and that meets all of the following conditions: 1) its principal business purpose is to provide hospital and medical care and treatment for the hospitalized and the sick and injured; 2) it provides treatment for patients under the direction of one or more physicians, at least one of whom is physicians are legally qualified to practice in a hospital; 3) maintains adequate and appropriate equipment for the medical diagnosis and treatment of patients and provides equipment for the performance of a variety of surgical procedures on its premises; and 4) provides nursing care on a full-time basis by legally licensed nurses.Medical institution does not include the following or similar medical institutions: 1) mental hospitals; 2) homes for the aged, convalescent homes, drug and alcohol rehabilitation centers; and 3) health centers or natural healing, convalescent or rehabilitation homes. - 因乘坐泰国东方航空（航班代码：OX）导致的旅行延误、旅行变更不属于保险责任范围。Trave delay or Trip Disruption with Orient Thai Airlines (OX) will be excluded.
- 本保险计划中公共交通工具中不包含邮（游）轮。The definition of common carrier in this policy excludes cruises.
- 本保险产品仅承保往返境内外的国际直飞航班发生的航班延误，不承担航班取消、返航、备降以及换乘不衔接造成的行程延误。国际直飞航班每延误4小时赔偿300元，单次旅行最高赔偿金额
以保险单所载的保险金额为限。保险期间为一年的保险单，保单年度内该保障累计赔付次数以4次为限。The insurance policy only covers the flight delay of direct international flights between China and foreign countries, and does not cover the travel delay caused by flight cancellation, return flight, alternate flight and transfer misconnection.Compensation of RMB 300 per 4 hours of delay for international direct flights, subject to the maximum amount of compensation for a single claim up to the sum insured as stated in the policy. For policies with a one-year period of insurance, the total number of claims for this benefit is limited to 4 times in the policy year. - 本保险产品"行李延误"保障，每延误6小时赔偿500元，单次旅行最高赔偿金额以保险单所载的保险金额为限，保险期间为一年的保险单，保单年度内该保障累计赔付次数以2次为限。This insurance product, Baggage Delay Insurance, provides compensation of 500 RMB for every 6 hours of delay. The maximum amount of compensation for a single claim is limited to the insurance amount stated in the insurance policy, and if the insurance period is one year, the cumulative number of claims under this coverage is limited to 2 claims in the insurance policy year.
- 本保险计划不承保因下列原因支出的费用：受保前已存在的疾病（指在本附加合同生效前 12 个月内：（1）被保险人已患有的疾病；（2）医生已建议被保险人接受医药治疗或提供医疗意见的症状、体征；或（3）被保险人已存在的且一个正常而审慎的人会寻求诊断、医疗护理或医疗治疗的症状、体征）及其并发症。The Policy does not cover expenses incurred for a Pre-existing Condition (meaning a condition that, within the 12 months prior to the Effective Date of this Supplement: (1) is a pre-existing condition for which the Insured Person has a pre-existing condition; (2) is a symptom or sign for which a Physician has recommended that the Insured Person receive medication or has provided a medical opinion; or (3) is a pre-existing condition for which the Insured Person has a pre-existing symptom or sign for which a reasonable and prudent person would have sought diagnosis, medical care, or treatment) and its Complications.
- 本保险为本保单所载之被保险人在旅行期间提供24小时的保险保障，涵盖地区包括但不仅限于美国、加拿大、澳大利亚、新西兰、韩国、日本及香港、澳门和台湾等国家和地区以及所有申根国家包括但不仅限于奥地利、比利时、丹麦、芬兰、法国、德国、冰岛、意大利、希腊、卢森堡、荷兰、挪威、葡萄牙、西班牙、瑞典、瑞士、波兰、捷克、爱沙尼亚、立陶宛、斯洛伐克、匈牙利、斯洛文尼亚、拉脱维亚、列支敦士登公国、马耳他、保加利亚及罗马尼亚等国家和地区。Contained in this insurance for the policy of the insured during the period of travel insurance, provide 24 hours covers areas including but not limited to the United States, Canada, Australia, New Zealand, South Korea, Japan and Hong Kong, Macao and Taiwan and other countries and regions as well as all Schengen countries including but not limited to Austria, Belgium, Denmark, Finland, France, Germany, Iceland, Italy, Greece, Luxembourg, the Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, Poland, the Czech republic, Estonia, Lithuania, Slovakia, Hungary, Slovenia, Latvia, Liechtenstein, Malta, Bulgaria and Romania and other countries and regions.
- 本保单仅承保被保险人从中国大陆境内出发的旅行，且必须于出行前投保。本保险不承保在投保本保障计划时已开始旅程或已置身于旅行目的地的任何被保险人。This policy only covers the insured's travel departured from mainland China and must be applied prior to departure. The Insured Person who has commenced travel or is already at the travel destination at the time of enrollment is not covered under this policy.
- 本保险仅承担被保险人在中国大陆地区以外的境外（含港澳台）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).
- 本保险计划所承保的运动包括：1)海拔6000米以下的休闲旅游、远足徒步、登山运动（不包括借助登山绳索、登山向导(非旅行社导游)完成的登山活动）、露营、固定路线洞穴体验；2) 定向
运动、拓展活动、场地趣味活动；3)自行车运动、山地自行车越野、场地/越野轮滑、自驾车旅行；4)游泳、潜水（下潜深度不超过18米且在旅游景点的专业潜水教练指导下进行的休闲潜水活
动）、溯溪、划船、帆船、帆板、皮划艇、漂流；5)人工场地攀岩及下降；6) 骑马游玩。The above insurance plan covers following sports category: 1)below an altitude of 6000 meters including tourism, hiking,mountaineering(excluded mountaineering activities with ropes and mountain guides(with no tour guides)),camping,fixed routes caving;2)orientation movement,outreach,site fun activity; 3)biking,cross-country mountain biking,artificial site/cross-country mountain roller skating,self-driving tour;4)swimmming,diving(descending to depths no more than 18 meters and guided by a professional diving instructor at a tourist attraction),river trekking,rowing,sailing,boardsailing,canoeing,rafting;5)rock climbing and declining in artifical/natural site;6)horse riding for fun. - 本保险计划不承保下列高风险探险类活动：被保险人从事滑水，室内外滑雪，滑冰，驾驶或乘坐滑翔翼、滑翔伞，跳伞，攀岩运动，探险活动，武术比赛，摔跤比赛，赛马或马术，特技，驾
驶卡丁车，赛车，各种车辆表演，蹦极、任何海拔6000米以上的户外运动等高风险运动期间；以及被保险人必须借助登山绳索、登山向导(非旅行社导游)完成的登山活动期间；借助水下供气瓶（非呼吸管）设备完成的深度大于18米的潜水活动期间（但在旅游景点的专业潜水教练指导下进行的休闲潜水活动除外）。The plan does not cover the following high-risk adventure activities: water skiing, indoor or outdoor skiing, ice skating, piloting or riding in a glider, paragliding, parachuting, rock-climbing, adventure activities, martial arts competitions, wrestling competitions, horse-racing or equestrian sports, stunt shows, go-karting, motor racing, all kinds of vehicle shows, bungee jumping, any outdoor sport at an altitude of more than 6,000 meters and other high-risk sports; During mountaineering activities that the insured person must complete with the help of mountaineering ropes and mountaineering guides (not travel agency guides); and during diving activities completed with the help of underwater air supply cylinders (not snorkels) at a depth of more than 18 meters (except for recreational diving activities under the guidance of a professional diving instructor at tourist attractions). - 单次旅行最长可承保时间为183天。如投保全年计划，保险期间内不限旅行次数，但每次旅行最长承保期间为183天。The maximum length of each insured trip is 183 days. The maximum length of each insured trip is 183 days and unlimited trips during insurance if the insurance period in one year.
- 旅行目的地为刚果金（刚果民主共和国）和尼日利亚，不承保任何医疗费用。Democratic Republic of the Congo, Nigeria will be excluded for medical cover.
- 被保人限制：被保险人应满足日常居住地在中国大陆境内，即最近一年内在中国大陆境内（不含港澳台地区）工作或居住满183天的要求。本保险不承保外籍人士返回原籍国的旅行。The insured person should fulfill the requirement of having his/her daily residence within mainland China, i.e. working or residing in mainland China (excluding Hong Kong, Macao and Taiwan) for 183 days within the last one year. This insurance does not cover expatriates traveling back to their country of origin.
- 退保规则：保单生效前可申请全额退保，已生效的旅行险年单保单无理赔时，可按照条款退还未满期净保费部分（未满期净保费=净保费×（1-m/n），其中，m 为已生效天数，n 为保险期间的天数，经过日期不足一日的按一日计算。）已生效且已出行的旅行险短期保单，本保险不接受任何形式的退费。已生效未出行的旅行险保单，若能提供未出行证明（海关认证的出入境记录等），可给予全额退款。 Surrender rules: full surrender can be applied for before the policy comes into effect, and the portion of the unexpired net premium can be refunded in accordance with the terms and conditions when there is no claim for the annual travel insurance policy that has already come into effect (unexpired net premium = net premium × (1-m/n), where m is the number of days it has come into effect, n is the number of days of the insurance period, and the elapsed date of less than one day is counted as one day). No refund of any kind will be accepted for a travel insurance short-term policy that is in force and has been traveled. For travel insurance policies that are in force and have not been traveled, a full refund will be made if proof of non-travel (customs certified entry/exit records, etc.) is provided.
- 本保险单项下适用评残标准为《人身保险伤残评定标准及代码》（标准编号为JR/T 0083-2013）：一级伤残100%、二级伤残90%、三级伤残80%、四级伤残70%、五级伤残60%、六级伤残50%、七级伤残40%、八级伤残30%、九级伤残20%、十级伤残10%（具体伤残评定标准内容可见文件《人身保险伤残评定标准及代码》（JR／T0083-2013））。The applicable disability assessment standards under this insurance policy are the "Disability Assessment Standards and Codes for Life Insurance" (standard number JR/T 0083-2013): 100% for level one disability, 90% for level two disability, 80% for level three disability, 70% for level four disability, 60% for level five disability, 50% for level six disability, 40% for level seven disability, 30% for level eight disability, and 20% for level nine disability 10% of Level 10 disability (specific disability assessment standards can be found in the document "Disability Assessment Standards and Codes for Life Insurance" (JR/T0083-2013)).
- 本保险产品出发、途径或到达机场为：湖北省神农架红坪机场、贵州省六盘水月照机场、贵州省黔南荔波机场、四川省九寨黄龙机场发生的旅行延误，史带财险不承担赔偿责任。The insurer shall not be liable for delays occurring at the departure, route or arrival airports under this policy: Shennongjia Hongping Airport in Hubei Province, Liupanshui Yuezhao Airport in Guizhou Province, Qiannan Libo Airport in Guizhou Province, and Jiuzhai Huanglong Airport in Sichuan Province.
- 本保单英文版本仅供参考，如与中文版本不一致的，以中文版本为准。The English version of this policy is for reference only. In case of any discrepancy between the English version and the Chinese version, the Chinese version shall prevail.
- 信息披露：我司偿付能力、风险综合评价详见官网（https://www.starrchina.cn/Information%20Disclosure/details.html?cid=43），偿付能力充足率达到监管要求。