Special Provisions

1. Accidental and Acute Disease Medical Treatment: During the insurance period, if the insured person suffers from an accident or an acute disease while traveling, and receives treatment for the injuries caused by the accident or the acute disease at a public hospital of level two or above (inclusive), the insurer will cover the medical expenses that are within the scope and standards of the local urban employee basic medical insurance and are medically necessary (hereinafter referred to as “reasonable medical expenses per incident”) from the date of the accident or acute disease occurrence for ninety days, and pay the accidental medical or acute disease insurance money as “(reasonable medical expenses per incident – 0 RMB) × 100%”.

2. Flight Delay Liability: A compensation of 200 RMB is paid for every 4 hours of delay, subject to the limit of the insured amount.

3. Compensation for flight delays and travel changes under this plan are not cumulative.

4. Personal Carry-on Luggage and Items Loss: The compensation limit for each piece or set of luggage or item is 1,000 RMB.

5. Infectious Disease Quarantine Liability: The insurer only assumes the responsibility for compulsory centralized quarantine required by the local CDC (not including home quarantine required by other departments).

6. This plan covers self-driving tours (with the insured amount equivalent to the accidental death insurance amount).

7. The age for insurance under this plan is from 30 days to 85 years old. For insured persons aged 71-85, the liability limit for “accidental death and disability” and “acute disease death” assumed by the insurer is half of the amount stated in the policy.

8. The compensation limit for minors is in accordance with the regulations of the China Banking and Insurance Regulatory Commission.

9. This plan is limited to one policy per person, multiple policies are invalid.

10. This plan covers non-competitive high-risk activities: hot air ballooning, diving, horse riding, jet skiing, beach motorcycling, water jet skiing, parasailing, archery, mountain climbing (below three thousand meters in altitude), surfing, hiking, camping, skydiving, skiing, water skiing, ice skating, roller skating, skateboarding, sliding, bungee jumping, rock climbing, bouldering, rafting, short-term sightseeing yachting, windsurfing, paddle boarding, and sailing.

11. Please hand over the detailed terms to the customer and carefully read the coverage, special provisions, and exclusions on the policy. The specific coverage is subject to the policy and terms.