保障项目
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保障内容保障项目保障额度(元)
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意外伤害风险保障意外身故和伤残30万乘坐客运轮船意外伤害30万
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突发性疾病身故突发性疾病身故（含猝死）10万
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意外伤害医疗意外伤害医疗5万
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突发急性病医疗突发急性病医疗2万
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紧急救援保障紧急医疗转运及送返20万遗体或骨灰送返5万
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旅行紧急返回常住地紧急返回居住地国家8000
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邮轮旅行不便津贴邮轮旅行船舱隔离每日津贴80元/天（最高限额800元）
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旅行绑架劫机慰问金绑架及非法拘禁（每24小时/300元)300元/天（累计10天）
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旅行行李物品损失行李和个人随身物品3000
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旅行证件遗失旅行证件遗失2000
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旅行家居保障旅行期间家财保障（只保室内财产）1000
您的权益
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索赔
指当被保险标的遭受承保责任范围内的风险损失或伤害时,被保险人有权向保险人提出索赔。
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保单变更
在保单有效期内,经投保人和保险人协商同意,可以修改保单的有关内容。
投保须知
- 投保前请您仔细阅读: 产品条款 、 客户告知书 、 保单样本 、 免责告知 、 投保须知 、 理赔指引 、
- 1、 本产品仅适用于邮轮旅游，仅承保被保险人在进行邮轮旅行期间发生的保单保险责任，该期间指自被保险人踏上轮船甲板时至离开轮船甲板时止。 This product is only applicable to cruise travel and only covers the policy liability incurred while the Insured Person is travelling on a cruise, which period is defined as from the time when the Insured Person steps on to the deck of the ship until the time when the Insured Person leaves the deck of the ship.
- 2、 在同一保险期间，每位被保险人投保同一产品（包括同一产品的同一计划或不同计划）限投保一份，如果投保了多份同一计划，以最先投保之保单为有效，其余部分视为无效，保险费将无息退还；如果投保了 多份不同计划，以意外伤害保额最高之保单为有效，其余部分视为无效，保险费将无息退还。 During the same insurance period, each insured shall be limited to one insurance of the same product (including the same plan or different plans of the same product). If more than one insurance of the same plan is taken out, the policy first insured shall be valid, and the rest shall be invalid, and the premium shall be refunded without interest. If more than one plan is insured, the policy with the highest amount of accidental injury coverage will be valid, the rest will be invalid and the premium will be refunded without interest.
- 3、 本保单承保被保险人年龄出生满30天-90（含）周岁，71（含）周岁以上的被保险人出险时，意外伤害保险责任、附加高风险活动保险责任、附加旅行医疗费用保险责任、急性病身故保险责任、附加意外伤害住院津贴保险责任的保险金额减半，其余保障保险金额不变，保费不变。 The age of the insured is between 30 days and 90 years old。When the insured person over 71 (inclusive) years old have an insured accident，the insureance amount of the insurance liability for accidental injury insurance、additional high-risk activities insurance、additional travel medical expenses insurance、acute disease death insurance 、additional accident injury hospital allowance insurance liability in their insurance policies is halved，the amount of coverage and premium for the remainder of the policy are unchanged.
- 4、 根据《中国保监会关于父母为其未成年子女投保以死亡为给付保险金条件人身保险有关问题的通知》【保监发（2015）90号】规定，对于被保险人不满10周岁的，死亡给付保险金额总和不得超过人民币20万元；被保险人已满10周岁但未满18周岁的，死亡给付保险金额总和不得超过人民币50万元。 According to the "Notice of China Insurance Regulatory Commission on Personal Insurance with death as the condition for payment of insurance benefits for Parents' Minor Children" [China Insurance Regulatory Commission (2015) No. 90], for the insured under the age of 10, the total amount of death insurance benefits shall not exceed RMB 200,000; If the insured has reached the age of 10 but not yet reached the age of 18, the total amount of the death benefit shall not exceed RMB 500,000.
- 5、 本保险不承保任何国家或国际组织认定的恐怖分子或恐怖组织成员，或非法从事毒品、核武器、生物或化学武器交易人员。 This insurance does not cover terrorists or members of terrorist organisations designated by any country or international organisation, or persons illegally dealing in drugs, nuclear, biological or chemical weapons.
- 6、 本保险不承保在投保本保障计划时已置身于境外的被保险人。 This insurance does not cover the insured who is outside the country at the time of taking out the insurance Plan.
- 7、 24小时全球救援服务热线：+86 10 83423665 24hr. 24-hour global rescue service hotline: +86 10 83423665 24hr.
- 8、 在保险期间内，被保险人发生保险责任范围内的保险事故需要紧急救援时，应立即拨打指定的救援电话与救援机构联系。保险人不负责赔偿任何未经救援服务机构或其授权代表批准并安排的运送或送返导致的费用。 During the period of insurance, if the insured person needs emergency assistance in the event of an insured accident covered by the insurance liability, the insured person shall immediately contact the rescue service organization by calling the designated rescue number. The insurer shall not be liable to pay for any costs incurred as a result of any transportation or repatriation not approved and arranged by the rescue service or its authorized representative.
- 9、 被保险人在保单列明的境外区域治疗所支出的合理且必要的医疗费用，以及被保险人在境内二级以上（含）公立医院或保险人认可的医疗机构治疗所支出的符合本保险单签发地政府/社会医疗保险主管部门规定可以报销的合理且必要的医疗费用，保险人承担保险金给付责任。 The insurer shall be liable to pay insurance benefits for the reasonable and necessary medical expenses of the insured ,including the expenses incurred by the insured for treatment in the overseas areas listed in the policy. It also includes the reimbursable expenses incurred by the insured in domestic public hospitals above Grade II or medical institutions approved by the insurer which are reimbursable according to the provisions of the competent government/social medical insurance department at the place where this policy is issued .
- 10、 本产品附加旅行医疗保险，被保险人在保单列明的承保区域内及保险期间旅行遭受主险合同责任范围内的意外伤害，对于意外伤害医疗费用，在扣除100元免赔额后按100％的给付比例，在保险金额内给付医疗保险金。保险期间届满被保险人治疗仍未结束的，保险人继续承担保险金给付保险责任，住院治疗者最长至事故发生或发病之日起第一百八十日止，门诊治疗者最长至事故发生或发病之日起第九十日止。 Travel medical insurance is attached to this product. If the insured suffers accidental injury or acute disease during travel within the coverage area specified in the policy and during the insurance period, the medical expense of accidental injury or acute disease will be paid within the insured amount at the rate of 100% after deducting the deductible of 100 yuan.If the insured person's treatment has not been completed by the end of the insurance period, the insurer will continue to be liable for the payment of insurance benefits, and the longest period for hospitalization shall be 180 days from the date of the accident or illness, and the longest period for outpatient treatment shall be 90 days from the date of the accident or illness.
- 11、 本产品附加邮轮旅行不便津贴保险，承保在旅行过程中邮轮被扣押、被劫持、被恐怖袭击、被威胁恐怖袭击或因船上人员需要紧急医疗而导致邮轮的旅行计划变更。保险人根据每人每日赔偿限额80元人民币作为邮轮旅行不便津贴赔偿给被保险人，最高赔偿天数10天，总赔偿金额8000元（具体根据方案调整）。赔偿天数由邮轮的旅行计划变更之日起计算，直至被保险人离开轮船甲板为止。 Cruise inconvenience allowance insurance is attached to this product,which covers the change of the cruise ship's travel plan due to the cruise ship being detained, hijacked, attacked by terrorists, threatened with terrorists, or due to the need of emergency medical treatment for the people on board during the travelling process.The insurer compensates the insured person as cruise travel inconvenience allowance based on a daily limit of RMB 80 per person for a maximum of 10 days, with a total indemnity amount of RMB 8,000. The number of days of indemnity will be calculated from the date of change of travel plan of the cruise ship until the insured person leaves the deck of the ship.
- 12、 本产品附加旅行绑架劫机慰问金保险，被保险人在旅行期间遭受绑架或劫机，保险人按照每人每24小时赔偿金额300元人民币赔偿给被保险人，累计最高赔偿天数10天。Travel kidnapping and hijacking consolation money insurance is attached to this product.If the Insured Person is kidnapped or hijacked while travelling, the Insurer will indemnify the Insured Person at a compensation amount of RMB 300 per person per 24-hour period, up to a maximum of 10 days in aggregate.
- 13、 承保地域：全球（包括中国境内、且含香港、澳门、台湾地区）。具体承保地域以国家旅游局公布的中国旅游目的地国家为准，但不包含在被保险人出发前已处于战争状态或已被宣告为紧急状态的国家和地区。 Coverage area: The world (including China, including Hong Kong, Macao and Taiwan). The specific coverage area shall be subject to the destination countries of China announced by the National Tourism Administration, but shall not include the countries and regions that have been in a state of war or declared as a state of emergency before the insured's departure.
- 14、 本保单不承保任何直接或间接由于前往或途经阿富汗、刚果民主共和国、伊朗、伊拉克、利比亚、苏丹、索马里、叙利亚、俄罗斯、白俄罗斯、乌克兰及其周边国家地区）或在上述国家旅行期间发生的保险事故。 This policy does not cover any insured event that occurs directly or indirectly as a result of travel to or through Afghanistan, the Democratic Republic of the Congo, Iran, Iraq, Libya, Sudan, Somalia, Syria, Russia, Belarus, Ukraine and their surrounding countries) or during travel to or in these countries.
- 15、 被保险人故意做出的危险性行为而导致的意外伤害事故，保险公司不承担保险责任，危险性行为包括但不限于：不听从导游、领队、教练或现场安全人员的要求及劝阻；违反景区或当地的警示/禁令标示；违规进入国家或当地政府明令禁止的线路或地区等，不在合法经营场地或范围内进行的（合法经营场地指经过当地政府审批同意的，在当地工商注册的法人合法经营的）。 The insurance company shall not be liable for any accidental injury caused by the insured's intentional risky behavior, which includes but is not limited to: failure to obey the requirements or dissuasion of the tour guide, group leader, coach or on-site security personnel; Violation of the scenic area or local warning/prohibition signs; Illegally entering routes or regions prohibited by the national or local government, etc., outside the legal business site or scope (legal business site refers to the legal business of the local industrial and commercial registered legal person after the approval of the local government).
- 16、 根据广东保监局[2017]104号文件要求：财产保险公司批退保险费的，应当通过转账方式，将批退保险费资金直接支付至投保人同名账户。According to document No. 104 of Guangdong Insurance Regulatory Bureau [2017], if a property insurance company approves the refund of insurance premiums, the funds for the approved refund of insurance premiums shall be directly paid to the policyholder's account with the same name through transfer.
- 17、 尊敬的客户：投保次日起，您可以通过本公司网页 (www.cpic.com.cn)、客户服务电话(95500)、营业网点核实保单及理赔等信息。若对查询结果有异议，请联系本公司。联系方法为：95500。 Dear customers: From the next day, you can check the policy and claim information through our website (www.cpic.com.cn), customer service telephone (95500) and business outlets. If you disagree with the query results, please contact us. The contact number is 95500.
- 18、 本保单中，如果中英文描述不一致，以中文描述为准。 In this policy, if there is any inconsistency between the English and Chinese descriptions, the Chinese description shall prevail.