Travel Insurance

Why insure your trip

Consider these situations:

  • You fall and break your leg while climbing a mountain. You must fly home but you cannot move your left leg.
  • Two days before you are ready to fly to Guilin, you come down with influenza.
  • Your cruise ship cannot leave on time because a hurricane is closing in on the city.

If you buy the right kind of travel insurance before you start your travel, you can recover the costs of your cancelled trip and extra expense of flying home while disabled.

Travel insurance is not only for medical emergencies, which your country’s healthy policy may or may not cover, but also include flight delays and cancellations, lost baggage and others.

If you are going to join an organized tour in some cases, the operator may require you to have overseas travel insurance.

Normally, a standard travel insurance policy includes:

  • Medical Expenses including Dental
  • Emergency Evacuation
  • Trip cancellation, Interruption or delay
  • Baggage Loss or Delay
  • Car Rental Collision
  • Accidental Death
  • Unlimited Worldwide Travel Assistance

Types of travel insurance

Shopping for travel insurance can be confusing. There are many types of travel insurance plans. According to the U. S. Travel Insurance Association (USTIA), there are three basic travel insurance plans:

  • Trip cancelation insurance: This type of insurance plan includes your airfare costs and other prepaid costs if you need to cancel your trip. Trip cancelation insurance makes it up for you if you cannot reach your trip because of bad weather or illness. It also makes up for luggage loss. Some policies also include for the financial default of your travel supplier.
  • Emergency medical coverage: This insurance pays for medical care and an emergency return trip. It is useful for seniors because it pays for medical expenses including outside countries.
  • 24-hour telephone assistance: This coverage provides travelers with an easy way to locate doctors and get medical help and is helpful when travelling in a country where English is not a common language.

Advantages of Travel Insurance

Here are some of the salient features of what we offer in terms of safer, more supportive and far more comprehensive insurance plans that will create just the right state of mind for you to enjoy your holiday.

  • Professional Team of Experts

Underwriters’ play a vital role in making claims in case the need arises and China travel has on board some of the most efficient underwriters who make the management of claims and the creation of claim documents all the more easier for you.

The best underwriters form the team that valuates your insurance and makes the claim more solid. It is this factor which also affects directly the claim that you are ultimately going to be getting.

  • Pay For What Matters

It is important to always assess what are the top  reasons that makes travel insurance necessary. We provide coverage only for those common and often occurring travel issues to travelers coming in from 140 different countries.

  • Go Beyond Yourself

This insurance cover will truly give you the freedom to try all those daring activities that you would under normal conditions think twice about-particularly if it’s in a strange country or environment. The insurance would cover all adventure activities like rafting, snowboarding, canoeing, skiing and the like. Breathe easy when you jump off the bridge for your first ever bungee and think how well you have chosen your insurer to give you this freedom from worry.

  • Keeping a Watch

Advice, travel tips and updated travel info are at your fingertips. In this world of great connectivity you are never alone when it comes to your travel partners and your trusted insurance company, that will keep you abreast of any untoward happening that may lead to a change in the travel plans to certain places(weather, political scenario, cancellation of flights, etc.).

  • Choosing The Right Coverage

You will be assisted through the process of choosing the right plan.

All the little details will be worked out with the help of agents, who will give you just the right features to cover your personal liability ensuring complete and hassle free travel, thus helping keep the happy spirit of holiday alive.

Feel free to contact our agents at the website given below and you’ll surprise at how prompt the reply will be and how simple the procedure of getting travel insurance really is.

 

Travel Insurance from China Pacific Insurance (Group) Company

The kind of insurance is China Life Tourist Accident/Casualty Insurance, of which the arrangement just covers mischances that happen inside China.

 

Advantages and Constraints:

  • In the event that that the Insured manages incidental harm or is stricken by intense infections while the Policy is in drive, the Insurance Company will convey its advantage installment as per the following arrangements:
  • Upon the demise of the Insured because of the intense ailment or infection itself inside 7 days after he or she is stricken, the Insurance Agency will pay the demise advantage.
  • Upon the demise of the Insured because of the unintentional damage itself inside 180 days after the event of mishap, the Insurance Company will pay the demise advantage
  • On the off chance that the Insured is missing a direct result of the mishap and is subsequently announced dead by the People's Court, the Insurance agency will pay the demise advantage
  • In the event that the Insured manages real handicap from and just from the same coincidental harm, the Insurance Company should, upon receipt and endorsement of the evidences, pay an advantage for the handicap gave such incapacity should come about inside 180 days from the date of the mishap. In the event that treatment of such incapacity proceeds past 180 days from the date of the mischance, the Insurance agency will pay inability benefits as indicated by its evaluation of the Insured's incapacity reality on the 180th date from the event of the mischance
  • At the point when the Insured brings about therapeutic costs in clinics at or over the County level or other therapeutic suppliers affirmed by the Insurance Company, the Insurance agency will repay 80% of the therapeutic costs
  • The body treatment and remains repatriation costs safeguarded for the Insured's demise from the previously mentioned causes, the Insurance Company will repay the costs as per the real uses inside the burial service advantage

Rejections:

Benefits should not have any significant bearing to any occasion which bringing about the Insured's passing, incapacity or causes medicinal costs to the Insured:

 

  • Infringement or endeavored infringement of the law or imperviousness to capture
  • Battling, extreme drinking, suicide, self-dispensed damage or medication manhandle by the insured
  • Mishaps happening while or in light of the fact that the Insured is influenced by liquor, any medications or limited prescriptions
  • The Insured's driving in the wake of drinking or without driving permit or utilizing non-legitimately enlisted vehicles
  • Mishaps emerging from the Insured's fetus removal and labor
  • Any negligence occasion emerging from corrective surgery, or other surgical then again therapeutic operations
  • Non-endorsed drug or salve taken by the Insured
  • The timeframe when the Insured conveys, helps or is processed HIV positive
  • War, military exercises, revolt, or outfitted insubordination
  • Atomic blast, atomic radiation or atomic contamination
  • Non-restorative treatment, for example, wellbeing nursing performed to the Insured
  • Home care and in-house mind attempted to the Insured
  • Teeth washing, teeth cleaning, optometry, visual prosthesis, armature prosthesis, and establishment of manufactured appendage and amplifier
  • Treatment and recovery of inability existed before the Insured's application
  • The Insured's doctor's facility exchange without the Insurance agency's earlier assent
  • The Insured leaving the locales of touring orchestrated by the tourism organization or taking transportation implies other than that of the tourism organization

Insurance Period

The Insurance Time of the Arrangement covering the tourists entering China begins from the time the Insured enters China and partakes in the agenda orchestrated by the tourism benefits, and ends at the time the Insured finishes leave customs to withdrawing China and closures the excursion
The Insurance period of the policy covering the visitors voyaging locally starts from the time the Insured loads up on the transportation vehicle orchestrated by tourism administrations at determined time, and end at the time the Insured leave the transportation vehicle masterminded by tourism administrations to end the trip
The Insurance time frame closes at the time the Guaranteed stops the predetermined agenda when the policy is in drive.

The Sum Insured


Currency: CNY

Travel Days

Contents

Insurance

2-10 Days

Accident Insurance

200000

 

Funeral Insurance

9000

 

Hospital Allowance

20000

 

Sum

229000

11-20 Days

Accident Insurance

200000

 

Funeral Insurance

9000

 

Hospital Allowance

20000

 

Sum

229000


Important to Note

  • The above insurance is not reasonable for individuals who have tours to highlands, mountainous areas, and deserts in Tibet, Yunnan, Guizhou, Xinjiang, and so forth. The insurance for these individuals is constrained in CNY 100,000.
  • Any cost created by high altitude infection is uncovered
  • At the point when death occurs on adolescents and old individuals:
  • The protection for adolescents (under 18-year-old, barring 18-year-old) ought not to surpass the top constraint of China Insurance Regulatory Commission.
  • The protection for old individuals (more than 65)is restricted in CNY 50,000

Critical Notice from China Travel

The fore mentioned protection terms are subject to change by China Travel without early communication. You are requested to adhere to instructions and information given by the insurance company. China Travel will not be liable to any damages brought up in this manner.

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