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1.本产品仅承保从中华人民共和国境内出发至境外的旅行。

This policy covers trips from Mainland China to other countries or regions.

2.非全年计划承保单次出行；全年计划不限制出行次数，但每次出行天数不超过182天。

A non-annual policy covers one round trip; an annual policy covers multiple trips with each time length no longer than 182 days.

3.承保年龄范围：1至80周岁（含1周岁和80周岁）。

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

4.本产品同一时期同一被保险人限购一份。

The same insured can hold only one unit of the policy during the same time.

5.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.

6.70周岁以上的被保险人，其身故、伤残和医疗费用\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 and medical care/evacuation/repatriation are half of the amount contained above, although the premiums shall remain unchanged.

7.本保险产品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。投保后不可退保。

For the policy to take effect, the application has to be submitted and the premium paid before the insured leaves place of residence or workplace. This policy shall not be cancelled once purchased.

8.本产品最早投保次日零时生效。

The earliest start time of the policy is 00:00 next day after purchasing.

9.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 any loss incurred in: Somalia, Libya, Liberia, Syria, Afghanistan, northern and southern Sudan, Congo, Iraq, Central Africa, Yemen, Palestine, Israel, South Pole, North Pole or other countries (regions) that are in state of war or national emergency.

10.24小时AA国际救援热线（+8610）51295700。

The 24-hour Assist America International Assistance hotline is（+8610）51295700

11.申请理赔时，所有单据、票据必须提供原件，并且理赔后不再返还。

The original fapiaos and receipts shall be submitted as part of claiming materials, and the original documents will not be returned after compensation.

12.若该被保险人为同一旅行自愿投保由本保险公司承保的多种综合保险，且在不同保障产品中有相同保险利益的，则本保险公司仅按其中保险金额最高者做出赔偿。

If the insured purchases different policies from Huatai for the same trip, and they include the same benefit with different sums assured, Huatai will compensate according to the maximum sum assured.

13.延误类责任（如果保单含有）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天及以上报案造成赔案无法确定的，保险人对无法确定的部分不予赔付。

For any policy listing delay benefits, the 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 part of the claim which cannot be verified due to a late report submitted 30(+) days after the accident occurrence.

14.对于外籍被保险人（含香港、澳门、中国台湾同胞），不承保其在原籍国/地区或有医疗互惠协议国家发生的医疗/救援类费用。

For non-chinese insured（including insured from Hong Kong, Taiwan or Ma Cao）, this policy does not cover any medical/assistance expense incurred in home country /area or any country with medical reciprocal agreement.

15.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；附加旅行意外伤害双倍给付保险条款：华泰财险（备-意外）【2014】（附）2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；华泰财险附加银行卡盗刷保险：(华泰财险)(备-普通家财险)【2018】(附) 009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；华泰财险附加旅程阻碍保险（B款）：(华泰财险)(备-其他)【2018】(附) 019号；华泰财险附加旅程取消保险：(华泰财险)(备-其他)【2018】(附) 002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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