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1.承保年龄范围：出生满1周岁至80周岁 （含1周岁和80周岁）。

Coverage age range: between 1 and 80 years old, both inclusive.

2.根据国务院保险监督管理机构的规定，除航空意外身故责任和和重大自然灾害意外身故责任对应的保险金额外，对于未成年人作为被保险人的人身保险，在被保险人成年之前，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。

In accordance with the provisions of the national insurance regulatory authorities, except for death benefits due to an aviation accident or a major natural disaster, the total amount of compensations to be paid by all insurance companies upon the death of an insured under the age of 18, shall be subject to the following limits:(1) Not more than RMB 200,000, if the insured is under 10 years old; (2) Not more than RMB 500,000, if the insured has reached 10 years old but is under 18 years old.

3.70岁以上的被保险人，其身故、伤残、医疗和运送类责任的保险金额为上述所载保险金额的一半，保险费维持不变。

For insured beyond 70 years old, the insurance benefits for death, dismemberment, medical care and evacuation/repatriation are half of the amount contained above, although the premiums shall remain unchanged.

4.保障计划必须在被保险人离开境内日常居住地或日常工作地前投保，否则无效。

The coverage should be applied before the Insured leave daily residence or workplace, otherwise the policy is invalid.

5.“附加旅行医疗费用保险”条款中第二条第一款第三项第一点：被保险人返回境内后三十日内（但最长不超过意外伤害事故或罹患突发性疾病发生之日起九十日）。

The terms of Additional Travel Medical Expenses Insurance Clause shall apply to the insurance liability for "Overseas Travel Medical Expenses", according to the first point, third item, first paragraph of Article 2 of the Clause, for the first 30 days after the insured returns to the territory of PRC (but not exceeding 90 days after the occurrence of an accidental injury or sudden illness).

6.本产品不承保任何直接或间接前往或途径索马里、利比亚、利比里亚、叙利亚、阿富汗、南北苏丹、刚果民主共和国、伊拉克、中非、也门,巴勒斯坦、以色列、南极、北极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。

This policy shall not cover the any direct to or via: Somalia, Libya, Liberia, Syria, Afghanistan, northern and southern Sudan, Congo, Iraq, Central Africa, Yemen, Palestine, Israel, South Pole, North Pole or other countries or areas that are in state of war or national emergency.

7.提供医疗援助协助、旅行信息服务，24小时AA国际救援热线（+8610）51295700。

The 24-hour AA International Assistance Hotline(+8610)51295700.

8.本保险产品生效后不可退保。

This policy cannot be cancelled once it becomes effective.

9.附加旅程延误”和“附加行李延误”责任不保障被保险人所乘坐航班的购票时间在原定起飞时间24小时以内的情形，且保险事故发生后须30天以内向保险人报案。对于超过30天及以上报案，导致保险人无法核实保险事故真实性的，保险人不予赔付。

Travel Delay or Baggage Delay benefits are excluded for any flight with tickets bought (or changed) within 24 hours before the original flight time. The claim shall be reported to the insurer within 30 days after the insurance accident happened. The insurer will reject any claim which is reported after 30 or more days if the late report leads to insufficient validation of the claim.

10.本产品每一被保险人限投一份，若同一个被保险人就同一旅行同时投保本保险公司2份（或以上）任何旅行险或航意险产品（不包括团体保险），则仅按相同保险利益中保额最高者作出赔偿。

The insured may be covered under only one policy at the same time. If the insured is covered under more than one travel/aviation non-group policies from Huatai for the same trip, and they include the same benefit, Huatai will compensate the benefit according to the greatest sum assured.

11.本产品条款备案编号为：华泰财险境外旅行人身意外伤害保险：(华泰财险)(备-普通意外保险)【2018】(主) 010号；附加旅行住院津贴保险条款：华泰备案【2009】N35号；华泰财险附加医疗运送和送返保险：(华泰财险)(备-其他)【2018】(附) 024号；华泰财险附加住院探望保险：(华泰财险)(备-其他)【2018】(附) 018号；华泰财险附加个人现金丢失保险：华泰财险)(备-普通家财险)【2018】(附) 025号；华泰财险附加行李延误保险：(华泰财险)(备-其他)【2018】(附) 003号；华泰财险附加旅程缩短保险：(华泰财险)(备-其他)【2018】(附) 017号；附加旅行医疗费用保险条款：华泰备案【2009】N231号；华泰财险附加未成年子女及旅伴送返保险：(华泰财险)(备-其他)【2018】(附) 004号；华泰财险附加个人行李及随身物品保险：(华泰财险)(备-普通家财险)【2018】(附) 005号；华泰财险附加旅行证件丢失保险：(华泰财险)(备-普通家财险)【2018】(附) 016号；华泰财险附加旅程延误保险：(华泰财险)(备-其他)【2018】(附) 020号；华泰财险附加旅行个人第三者责任保险：(华泰财险)(备-责任保险)【2018】(附) 014号。

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