In accordance with the requirements of the State Administration of Taxation, the insurance industry officially implemented VAT starting May 1, 2016. All insurance premiums listed herein are inclusive of tax. For VAT invoice issuance related to taxable products (tax rate 6%), please consult our branches.
China Pacific Property Insurance Co., Ltd.
Customer Service Hotline: 95500
Travel Happy Insurance Policy
Policy Number: DZCC24000730191210
This insurance policy is issued to the Policyholder who has applied for and paid the premium for the Travel Happy Insurance, and the Insurer agrees to assume the insurance liabilities as stipulated herein.
This contract comprises the following components:
- Insurance clauses
- Electronic application form
- Policy document or other insurance certificates
- Endorsements
Insured Name:
ID Type:
ID Number:
Mobile Phone:
Email:
| Coverage | Coverage Content | Sum Insured |
|---|---|---|
| Travel Personal Accident Insurance (2023 Internet Version) | Accidental death/disability benefit | TBD |
| Additional High-Risk Activity Insurance (2024 Internet) | Coverage for high-risk sports | TBD |
| Additional Travel Medical Insurance (Internet) | Benefit for accidental death from sudden illness | TBD |
| Additional Short-Term Accident Medical Insurance (Internet) | Medical expense reimbursement (deductible 100, 100% coverage including outpatient/hospitalization) | TBD |
| Additional Short-Term Hospital Daily Allowance Insurance (Internet) | Hospital daily allowance (max 30 days) | TBD |
| Additional Ambulance Expense Insurance (2024 Internet) | Coverage for ambulance fees due to accidental injury | TBD |
| Additional Jun’anxing Personal Accident Insurance (Internet) | Death/disability from accidents during air travel | TBD |
| Additional Jun’anxing Personal Accident Insurance (Internet) | Death/disability from accidents during train travel | TBD |
| Additional Jun’anxing Personal Accident Insurance (Internet) | Death/disability from accidents during ship travel | TBD |
| Additional Jun’anxing Personal Accident Insurance (Internet) | Death/disability from accidents during car travel | TBD |
| Additional Emergency Medical Rescue Insurance (2024) | Coverage for emergency medical transportation/repatriation expenses | TBD |
| Additional Emergency Medical Rescue Insurance (2024) | Funeral/burial expenses (max ¥3,000) | TBD |
| Additional Emergency Medical Rescue Insurance (2024) | Transportation allowance for consolation visits (max 10 days, ¥200/day) | TBD |
| Additional Personal Travel Legal Liability Insurance | Personal liability coverage | TBD |
Premium: TBD
Insurance Period: TBD
Deductible: TBD
Special Provisions:
- For minors under 10 years old, accidental death benefit shall not exceed RMB 200,000; for minors aged 10–18, the limit is RMB 500,000 (excluding aviation accidents). Specific limits comply with CIRC regulations.
| Issuing Company Information |
|---|
| China Pacific Property Insurance Shandong Branch |
| Address: No. 13777 Jingshi Road, Jinan, Shandong |
| Postal Code: 250010 |
| Tel: 0531-81665711 |
| Fax: 0531-81665712 |
| Seal: Policy Special Seal |
| Date: September 20, 2024 |
Head Office Address: 190 Yincheng Middle Road, Shanghai |
Postal Code: 200120 |
Website: http://www.cpic.com.cn |
Customer Service Hotline: 95500
Additional Provisions:
- The insurer has fully explained the contract terms and exclusions. The Policyholder acknowledges understanding of these terms.
- Verify the policy details upon receipt. Notify the insurer promptly of any discrepancies.
Claims Service Tips:
- Report claims within 24 hours via hotline 95500.
- For small claims, use WeChat public account “Enjoy Service” for self-service claims.
Dispute Resolution:
- Arbitration or court litigation in mainland China (excluding Hong Kong, Macau, Taiwan).
- Statute of limitations: 2 years from knowledge of the incident.
Travel Personal Accident Insurance (2023 Internet Version) Clauses
Part I: Basic Provisions
- Contract Composition
This contract includes insurance clauses, application forms, policies, endorsements, etc. All terms must be in written form. - Insured & Policyholder
- Insured: Healthy travelers or travel agency employees.
- Policyholder: Natural persons/legal entities with full civil capacity and insurable interest.
- Beneficiaries
- Death Benefit: Designated by the Policyholder/Insured. If none, proceeds become part of the insured’s estate.
- Disability Benefit: Default beneficiary is the insured.
- Utmost Good Faith
Failure to disclose material facts may void the contract. - Contract Changes/Termination
- Amendments require written approval.
- Termination requires written notice and return of the policy.
Part II: Coverage & Exclusions
Coverage
- Death Benefit: Paid if death occurs within 180 days of an accidental injury.
- Disability Benefit: Rated 10–100% based on disability severity (JR/T 0083-2013 standard).
- Limits: Total payout capped at the insured’s coverage amount.
Exclusions
- Intentional acts, self-harm, criminal activities, pre-existing conditions, pregnancy-related issues, drug abuse, etc.
- High-risk sports (e.g., skydiving, rock climbing), nuclear/radiation incidents, terrorism.
Part III: Premium & Duration
- Duration: Defined by policy start/end dates. Automatic extension up to 60 days for force majeure.
- Premium: Due upon policy activation. Non-payment allows termination by the insurer.
Part IV: Claims Process
- Notification: Report incidents within 48 hours. Delay may void claims.
- Required Documents: Claim form, policy copy, ID proof, death certificate, medical records, etc.
Part V: Definitions
- Travel: Departure from usual residence/workplace for tourism/business.
- High-Risk Sports: Activities like diving, skiing, martial arts requiring professional skills.
Additional High-Risk Activity Insurance (2024)
Coverage: Extends liability for injuries during specified high-risk activities (e.g., spelunking, polar expeditions).
Exclusions: Professional sports, unpermitted locations, pre-existing health risks.
Additional Travel Medical Insurance
Coverage: Reimburses 80% of medical expenses (after ¥100 deductible) for accidents/illnesses abroad.
Exclusions: Cosmetic surgery, non-emergency treatments, expenses covered by other insurers.
Additional Short-Term Accident Medical Insurance
Coverage: Covers accidental injuries with a maximum benefit period of 180 days.
Exclusions: Dental care, prosthetics, psychological treatment.
Additional Hospital Daily Allowance Insurance
Coverage: Pays ¥XXX per day hospital allowance (max 90 days single/180 days cumulative).
Additional Ambulance Expense Insurance
Coverage: Reimburses ambulance fees incurred within 24 hours of an accident (max ¥XXX).
Additional Jun’anxing Personal Accident Insurance
Coverage: Death/disability benefits for accidents during air/train/ship/car travel.
Additional Emergency Medical Rescue Insurance
Coverage: Includes emergency medical evacuation, repatriation, and accommodation assistance.
Limits: Varies by plan (up to ¥XXX).
Additional Personal Travel Legal Liability Insurance
Coverage: Covers third-party bodily injury/liability claims during travel (max ¥XXX).
Definitions
- Insurer: China Pacific Property Insurance Co., Ltd.
- Policy Period: As stated in the policy.
- Deductible: Amount deducted before benefits apply.