意外伤害身故和残疾 Accidental Death and Disability

被保险人乘坐或驾驶汽车且用于非营运用途期间，因意外伤害事故导致的身故或残疾。Insured Accidental Death and Disability Caused by Accident while Driving or Riding on Vehicle for non-commercial purpose.

高风险运动意外身故和伤残Accidental Death and Disability Caused by Accident during High-Risk Sports

战争及恐怖事件意外伤害身故和伤残 Accidental Death and Disability Caused by War and Terrorist Attacks

意外和急性病医疗补偿（含门急诊、住院医疗）Medical Reimbursement (covers inpatient and outpatient medical expense).本责任无等待期.There is no waiting period.

每次事故免赔额￥0.Deductible for each insured event is ￥0.辅助设备每次事故限额￥2500，牙科门诊每次事故限额￥4000.( For each occurrence, Aiding Equipment is subject to a Sublimit of Liablity of ￥2,500, Dental Treatment is subject to a sublimit of liability of ￥4000)

救护车车费保险金Ambulance Expenses Reimbrusement 给付比例50%，单次最高给付RMB2000元 The Insurer shall pay 50% of the actual ambulance expense up to RMB 2,000 per Insured Event.

意外和急性病住院津贴 Acute Illness and Accident Hospitallization Allowance 200元/天，每次免赔3天，单次最长给付30天 ￥200/day，max of 30 days, and subject to a waiting period of 3 days

突发急性病并在48小时内身故 Death due to Acute Illness within 48 hours

甲乙类传染病身故 Death due to Category A and Category B Infectious Disease.本责任无等待期.There is no waiting period.

行李损失 Loss / Damage of Checked-In Bagage（每次事故免赔额为损失的20%. Deductible: 20% of the loss per each Insured Event）

行李损失 Loss / Damage of Checked-In Bagage（每次事故免赔额为损失的20%. Deductible: 20% of the loss per each Insured Event）

旅行证件损失 Loss of Travel Documents

个人责任 Personal Liability (第三者财产损失每次事故免赔额为赔款的20%或RMB200元，以高者为准. (for third party property damage, Deductible: 20% of Loss or ￥200 per Insured Event, whichever is higher. 单件物品损失赔偿限额1500元人民币，RMB 1,500 per piece/set of item）

行李延误 Baggage Delay (每8小时延误赔偿￥500，￥500 for every 8 hours of delay), 赔偿限额最高为保险金额（subject to Sum Insured）

公共交通工具延误Public Transportation Delay (单次延误5小时赔偿￥200，￥200 for delay of no less than 5 hours),赔偿限额最高为保险金额（subject to Sum Insured）

个人钱财损失 Loss of Personal Money （每次事故免赔额为赔款的20%或RMB200元，以高者为准. Deductible: 20% of Loss or ￥200 per Insured Event, whichever is higher. 现金损失每次限额1000元. Sublimit:: ￥1,000 per Insured Event）

银行卡盗刷损失Bank Card Fraud Loss（每次事故免赔额为赔款的20%或RMB200元，以高者为准. Deductible: 20% of Loss or ￥200 per Insured Event, whichever is higher

旅行变更 Loss of Scheduled Trip Change （每次事故免赔额为赔款的20%或RMB200元，以高者为准.Deductible: 20% of Loss or ￥200 per Insured Event, whichever is higher. ）

已经支付且无法退回的酒店客房费用 Hotel Cancellation (每日最高给付500元，限最高3日. ￥500 per day, max of 3 days)

家庭财产基础损失Loss of Home Content （每件/套限额1000元，￥ 1,000 per piece/set）

绑架及非法拘禁 Kidnap and Wrongful Detention（每24小时赔偿￥3000，￥3,000 for every 24 hours)

赎金及协助处理费用 Ransom and Related Expense

危机处理顾问费用，由保险人实报实销，不设上限 Unlimited Crisis Consultant Fee

救援机构服务费用由保险人实报实销，不设上限 Unlimited Medical Assistance Fee

撤离交通费用 Evacuation Expenses

医疗运送和送返 Medical Evacuation and Repatriation

当地安葬/丧葬保险金 Local Funeral Expenses

亲属前往处理后事补偿 Family Member Handle the Funeral

亲属慰问探访补偿Compassionate Visit

遗体/骨灰送返 Repatriation of Mortal Remains

休养期的饭店住宿 Accommodation Cost for Rehabilitation of Recovery

紧急返回居住地国家 Return to Home Country in Emergency

安排并支付未成年子女回国 Accompanying Minor Repatriation