太平洋境外环球无忧旅意险
团队保险境外旅游赠送分享
选择旅游产品赠送此保险
- 旅行人身意外伤害保险(2023版互联网)条款
- 附加君安行人身意外伤害保险(互联网)
- 附加扩展高风险活动(互联网)
- 更多保障..
份数限制：每人限购1份
撤单规则：生效前可退保
太平洋境外环球无忧旅意险
保障内容:
| 保险条款名称 | 保障内容 | 保险金额 |
|---|---|---|
| 旅行人身意外伤害保险(2023版互联网)条款 | 意外伤害身故/伤残 | 300,000.00元 |
| 附加君安行人身意外伤害保险(互联网) | 火车意外伤害身故/伤残 | 300,000.00元 |
| 轮船意外伤害身故/伤残 | 300,000.00元 | |
| 飞机意外伤害身故/伤残 | 300,000.00元 | |
| 汽车意外伤害身故/伤残 | 300,000.00元 | |
| 自驾车意外伤害身故/伤残 | 300,000.00元 | |
| 附加紧急医疗救援保险条款 | 紧急医疗转运 | 100,000.00元 |
| 身故遗体送返 | 10,000.00元 | |
| 附加扩展高风险活动(互联网) | 高风险活动意外伤害身故/伤残 | 300,000.00元 |
| 附加个人旅行法律责任保险条款 | 个人旅行法律责任 | 10,000.00元 |
| 附加团体意外伤害和急性病住院津贴保险(互联网) | 意外伤害及急性病住院津贴 | 50.00元/天 |
| 附加个人旅行不便保险(B款)条款 | 旅行变更 | 1,000.00元 |
| 行李延误 | 200.00元 | |
| 附加银行卡盗刷保障保险条款 | 银行卡盗刷 | 2,000.00元 |
| 附加旅行医疗保险(互联网) | 境外旅行医疗(含意外伤害和急性病) | 60,000.00元 |
| 急性病身故 | 150,000.00元 | |
| 附加航班延误取消保险(2023版) | 航班到达延误 | 200.00元 |
投保须知:
【基本信息】
1、条款适用：本产品适用条款为中国太平洋财产保险股份有限公司《旅行人身意外伤害保险（2023版互联网）条款》（注册号:C00001432312023062001263)、《附加扩展高风险活动（互联网）》（注册号:C00001432322021122029953)、《附加旅行医疗保险（互联网）》（注册号:C00001432522021122437193)、《附加团体意外伤害和急性病住院津贴保险（互联网）》（注册号:C00001432522021122333023)、《附加君安行人身意外伤害保险（互联网）》（注册号:C00001432322021122029373)、《附加个人旅行不便保险（B款）条款》（注册号:H00001432122017052422121)、《附加紧急医疗救援保险条款》（注册号:C00001431922020051200912)、《附加个人旅行法律责任保险条款》（注册号:H00001430922017052419121)、《附加银行卡盗刷保障保险条款》（注册号:H00001432122017052429391)、《附加航班延误取消保险（2023版）》（注册号:C00001430922023062000563)。
2、保险公司分支机构：北京市、上海市、天津市、重庆市、黑龙江省、吉林省、辽宁省、河北省、山西省、山东省、安徽省、江苏省、浙江省、福建省、江西省、广东省、海南省、广西壮族自治区、湖南省、湖北省、河南省、云南省、贵州省、四川省、陕西省、甘肃省、新疆维吾尔自治区、宁夏回族自治区、内蒙古自治区、青海省、西藏自治区。如您在我司未设分公司的地区购买的，不影响您的理赔，但后续需亲临柜面办理的相关服务可能会受到影响。
3、保单形式：网上投保为您提供电子保单，根据《中华人民共和国民法典》第四百六十九条规定，数据电文是合法的合同表现形式，电子保单与纸质保单具有同等法律效力。
4、发票形式：本产品仅提供电子发票，电子发票效力等同于纸质发票，报销时可将电子发票打印后使用。
5、偿付能力告知：太平洋产险最近季度偿付能力符合监管要求，详情请参见我司官网（http://property.cpic.com.cn/）公开信息披露。
6、风险综合评级：太平洋产险风险管理能力评级结果位居行业前列，详情请参见我司官网（http://property.cpic.com.cn/）公开信息披露。
7、客户服务及投诉方式：本产品保险服务申请及投诉均可拨打太平洋产险全国统一客服电话95500，并根据语音提示操作；在线客服可关注"太平洋产险"微信公众号>"优享汇">菜单>"随身客服"栏目>根据提示回复。
【产品说明】
1、产品名称：境外环球无忧旅意险
2、投保人：本产品投保人年龄为年满16周岁有完全民事行为能力，且对被保险人具有可保利益的自然人。
3、被保险人：本产品被保险人年龄限0-100周岁身体健康且能正常出行的人士；对于不满16周岁的未成年人投保，投保人必须为其父母或法定监护人。
4、受益人：本保险合同的身故受益人为法定受益人，其他保险责任的受益人为被保险人本人。
5、缴费方式：本保险产品为一次性付款。
6、购买份数：每位被保险人仅限投保一份，多投无效。
7、保险期间：本产品的保险期间为1-60天，以保险单载明的起讫时间为准。
8、犹豫期：本产品无犹豫期。
9、等待期：本产品不设置等待期。
10、特别约定：
1）投保人就同一被保险人在同一保险期间内仅限投保1份，多投无效。
The proposer is limited to only one insurance policy for the same insured person during the same insurance period. Multiple applications will be invalid.
The proposer is limited to only one insurance policy for the same insured person during the same insurance period. Multiple applications will be invalid.
2）未成年人保额限制：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。本保险可承保的未成年被保险人身故保险金额为中国保监会规定的限额扣除其在本公司及其他保险公司已经参保的身故保险金额后的差额部分（不包含航空意外死亡保险金额及重大自然灾害意外死亡保险金额）。
Limitation on Insured Amount for Minors: According to the "Notice of China Insurance Regulatory Commission on Issues Concerning Personal Insurance for Parents to Insure Their Minors with Death Benefit Conditions" (CIRC No. 90 [2015]), for insured persons under 10 years old, the total death benefit payment shall not exceed CNY 200,000; for insured persons aged 10 to under 18 years old, the total death benefit payment shall not exceed CNY 500,000. The maximum sum insured for minors in this insurance shall be the difference between the limit stipulated by the China Insurance Regulatory Commission and the sum insured for death benefit already covered by this Company and other insurance companies (excluding the sum insured for accidental death due to aviation and major natural disasters).
Limitation on Insured Amount for Minors: According to the "Notice of China Insurance Regulatory Commission on Issues Concerning Personal Insurance for Parents to Insure Their Minors with Death Benefit Conditions" (CIRC No. 90 [2015]), for insured persons under 10 years old, the total death benefit payment shall not exceed CNY 200,000; for insured persons aged 10 to under 18 years old, the total death benefit payment shall not exceed CNY 500,000. The maximum sum insured for minors in this insurance shall be the difference between the limit stipulated by the China Insurance Regulatory Commission and the sum insured for death benefit already covered by this Company and other insurance companies (excluding the sum insured for accidental death due to aviation and major natural disasters).
3）意外伤害身故/伤残、高风险活动意外伤害身故/伤残两项责任不可兼赔，具体以事故发生原因为准。
The accidental death/disability and accidental death/disability due to high-risk activities cannot be compensated concurrently. Specific conditions are determined based on the cause of the accident.
The accidental death/disability and accidental death/disability due to high-risk activities cannot be compensated concurrently. Specific conditions are determined based on the cause of the accident.
4）本保险合同所称高风险活动，指被保险人参加在洞穴、极地、火山、冰川、森林、峡谷、沙漠、海洋、太空或任何无人区进行的探险、考察和旅游，被保险人进行赛马或练习赛马、马术表演或练习、马球、车辆表演或竞赛、练习车辆表演或竞赛、赛艇、滑板表演或竞赛、滑水、跳水、戴水肺潜水、滑雪表演或竞赛、跳高滑雪、大雪撬、雪橇、滑冰表演或竞赛、冰球、攀岩、攀登海拔三千五百米以上独立山峰、蹦极跳、跳伞、武术、拳击、摔跤和跆拳道运动、翼装飞行，被保险人置身于任何飞行器或空中运输工具（包括但不限于滑翔机、滑翔翼、滑翔伞、动力伞、气球）期间，不包括以乘客身份搭乘普通商业航班者。
The term "high-risk activities" in this insurance contract refers to adventures, explorations, and tourism undertaken by the insured in caves, polar regions, volcanoes, glaciers, forests, canyons, deserts, oceans, space, or any uninhabited areas. It also includes horse racing or practicing horse racing, equestrian performances or practice, polo, vehicle performances or competitions, practicing vehicle performances or competitions, rowing, skateboarding performances or competitions, water skiing, diving, scuba diving, skiing performances or competitions, high-altitude skiing, snowmobiling, sledding, ice skating performances or competitions, ice hockey, rock climbing, climbing independent peaks above 3,500 meters above sea level, bungee jumping, parachuting, martial arts, boxing, wrestling, taekwondo, wingsuit flying, and being in any aircraft or airborne transport (including but not limited to gliders, hang gliders, paragliders, and balloons), excluding those riding ordinary commercial flights as passengers.
The term "high-risk activities" in this insurance contract refers to adventures, explorations, and tourism undertaken by the insured in caves, polar regions, volcanoes, glaciers, forests, canyons, deserts, oceans, space, or any uninhabited areas. It also includes horse racing or practicing horse racing, equestrian performances or practice, polo, vehicle performances or competitions, practicing vehicle performances or competitions, rowing, skateboarding performances or competitions, water skiing, diving, scuba diving, skiing performances or competitions, high-altitude skiing, snowmobiling, sledding, ice skating performances or competitions, ice hockey, rock climbing, climbing independent peaks above 3,500 meters above sea level, bungee jumping, parachuting, martial arts, boxing, wrestling, taekwondo, wingsuit flying, and being in any aircraft or airborne transport (including but not limited to gliders, hang gliders, paragliders, and balloons), excluding those riding ordinary commercial flights as passengers.
5）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。
The insurance company is not liable for accidents resulting from intentionally hazardous actions by the insured. Hazardous actions include but are not limited to: not following the instructions and warnings of guides, leaders, coaches, or on-site safety personnel; violating warnings/prohibitions in scenic areas or local areas; illegally entering routes or areas prohibited by national or local governments.
The insurance company is not liable for accidents resulting from intentionally hazardous actions by the insured. Hazardous actions include but are not limited to: not following the instructions and warnings of guides, leaders, coaches, or on-site safety personnel; violating warnings/prohibitions in scenic areas or local areas; illegally entering routes or areas prohibited by national or local governments.
6）本保单境外旅行医疗保险责任，含高风险活动意外医疗保险金额为该项保额的50%。本保障无免赔，根据保险责任在保险金额内按100%给付比例赔付保险金。
7）The overseas travel medical insurance responsibility of this policy includes medical accidents during high-risk activities.The insurance amount for medical accidents during high-risk activities is 50% of the coverage for that item. There is no deductible for this coverage, and the insurance benefits are paid at a rate of 100% within the coverage amount according to the insurance responsibilities.
8）本保单意外伤害及急性病住院津贴保险责任，累计给付天数最高不超过180天。
The accidental injury and acute illness hospital allowance insurance responsibility of this policy has a maximum cumulative payment period of not more than 180 days.
The accidental injury and acute illness hospital allowance insurance responsibility of this policy has a maximum cumulative payment period of not more than 180 days.
9）本保单航班到达延误保险责任，每延误4小时（含）赔偿人民币100元，累计以保额为限。
The flight arrival delay coverage: compensation of RMB 100 for every 4 hours (or part thereof) of flight delay, with a cumulative limit based on the coverage amount.
The flight arrival delay coverage: compensation of RMB 100 for every 4 hours (or part thereof) of flight delay, with a cumulative limit based on the coverage amount.
10）本保单行李延误保险责任，每延误5小时（含）赔偿人民币100元，累计以保额为限。
The baggage delay insurance responsibility of this policy compensates RMB 100 for every 5 hours of delay (including), with a cumulative limit based on the coverage amount.
The baggage delay insurance responsibility of this policy compensates RMB 100 for every 5 hours of delay (including), with a cumulative limit based on the coverage amount.
11）本保单银行卡盗刷保险责任，不适用于18周岁（不含）以下未成年人。
The bank card skimming insurance responsibility of this policy is not applicable to individuals under the age of 18.
The bank card skimming insurance responsibility of this policy is not applicable to individuals under the age of 18.
12）本保险由安联世合国际救援服务公司提供全球紧急救援服务，24小时全球救援服务热线：0086 1085355302（全球）/4006281200 （境内，不含港、澳、台地区）。
This insurance is provided by Allianz Shihe International Rescue Service Company for global emergency rescue services, with a 24-hour global rescue service hotline: 0086 1085355302 (global)/4006281200 (domestic, excluding Hong Kong, Macao, and Taiwan).
This insurance is provided by Allianz Shihe International Rescue Service Company for global emergency rescue services, with a 24-hour global rescue service hotline: 0086 1085355302 (global)/4006281200 (domestic, excluding Hong Kong, Macao, and Taiwan).
13）本保险计划承保区域适用于全球范围，不包括白俄罗斯、古巴、伊朗、朝鲜、苏丹、叙利亚、乌克兰、克里米亚，以及出发前已处于战争状态或已宣布为紧急状态的国家和地区、被保险人常住地。
The coverage area of this insurance plan applies globally, excluding Belarus, Cuba, Iran, North Korea, Sudan, Syria, Ukraine, Crimea, and countries and regions that are in a state of war or have been declared an emergency before departure, and the insured person's place of residence.
The coverage area of this insurance plan applies globally, excluding Belarus, Cuba, Iran, North Korea, Sudan, Syria, Ukraine, Crimea, and countries and regions that are in a state of war or have been declared an emergency before departure, and the insured person's place of residence.
14）本保单不承保游轮旅行/邮轮旅行。
Cruises are not covered under this policy.
Cruises are not covered under this policy.
15）本保单被保险人年龄需为0至100周岁。保单生效时年满61周岁（含）至80周岁（含）的被保险人，其涉及的身故、伤残保障的保险金额为上述保障计划中所载保险金额的一半(50%)，保险费维持不变。保单生效时年满81周岁（含）至100周岁（含）的被保险人，其涉及的身故、伤残及医疗费用相关保险的保险金额为上述保障计划中所载保险金额的四分之一(25%)，保险费维持不变。
The insured under this policy must be between 0 and 100 years old. If the insured is 61 years old (inclusive) to 80 years old (inclusive) when the policy takes effect, the insurance amount of the death and disability benefits involved is half (50%) of the insurance amount contained in the above insurance plan, and the insurance premium remains unchanged. If the insured is 81 years of age (inclusive) to 100 years of age (inclusive) when the policy comes into effect, the insurance amount involved in the death, disability and medical expenses related insurance is one-fourth (25%) of the insurance amount contained in the above protection plan, and the premium remains unchanged.
The insured under this policy must be between 0 and 100 years old. If the insured is 61 years old (inclusive) to 80 years old (inclusive) when the policy takes effect, the insurance amount of the death and disability benefits involved is half (50%) of the insurance amount contained in the above insurance plan, and the insurance premium remains unchanged. If the insured is 81 years of age (inclusive) to 100 years of age (inclusive) when the policy comes into effect, the insurance amount involved in the death, disability and medical expenses related insurance is one-fourth (25%) of the insurance amount contained in the above protection plan, and the premium remains unchanged.
11、其他：本产品所有的页面文字描述为展示作用，具体保障方案等信息以投保后生成的电子保单为准，保险公司保留在法律规定范围内的解释权利。
【服务流程】
1、投保流程：在线投保——填写投保信息——核保通过并支付——查收保单。
2、保费支付方式：本产品保费可通过微信、支付宝、银行卡、太保钱包支付。
3、线上服务：本产品已实现在线投保、承保的线上服务。其他保险服务申请请拨打太平洋产险全国统一客服电话95500或至线下门店柜面办理。
4、投保咨询：您可以拨打太平洋产险全国统一客服电话95500进行咨询或通过在线客服咨询。
5、保单查询：投保完成30分钟后，您可拨打太平洋产险全国统一客服电话：95500进行保单查询，也可以关注太平洋产险微信公众号或登录http://property.cpic.com.cn自助查询并验证。
6、变更：若您需要批改保单，请投保人（仅限投保人）提供个人身份证件（身份证、护照等）/企业营业执照的扫描/拍照件，并填写太平洋产险客服发送的申请材料（需要投保人填写信息、签字确认后发送扫描/拍照件）后，我们在3个工作日内为您办理批改申请。
7、退保：
（1）请拨打太平洋产险全国统一客服电话：95500，转人工客服，或线下柜面进行办理；
（2）需要提供投保人身份证正反面照片/企业营业执照、银行卡照片，并填写太平洋产险客服发送的申请材料；
（3）保费退回方式：投保人银行卡（需要提供银行卡号、开户行信息）
（4）保费退回时间：保费将于办理成功后30个工作日内，退还到投保人提供的本人银行账户。
（5）退保损失：保单载明保险期间的起始时间前申请退保，保险公司全额退还保险费；保单载明保险期间的起始时间后申请退保，按照所购买保险产品的保险合同条款规定办理，也许会造成您的一定损失。
8、理赔流程：出险报案（太平洋产险全国统一客服电话：95500）——专业理赔指引——递交索赔材料——案件审核处理——赔款到账。
9、争议处理：因履行本保险合同发生的争议，由当事人协商解决，协商不成的，提交保险单载明的仲裁机构仲裁；保险单未载明仲裁机构或争议发生后未达成仲裁协议的，依法向中华人民共和国（不含港、澳、台地区）法院起诉。
10、司法管辖：与本保险合同有关的以及履行本保险合同产生的一切争议处理适用中华人民共和国（不含港、澳、台地区）法律。
11、保单及发票送达：互联网途径销售的保险默认提供电子保单和电子发票，投保成功后我们将通过您预留的电子邮箱地址为您发送电子保单和电子发票。
【其他事项】
如您投保本产品，在投保本产品前您应履行相应的如实告知义务，具体如下：投保人或被保险人应如实填写投保信息，并就保险公司提出的询问据实告知，否则保险公司有权根据《中华人民共和国保险法》第十六条的规定处理：订立保险合同时，保险公司就保险标的或者被保险人的有关情况提出询问的，投保人应当如实告知。投保人故意或者因重大过失未履行前款规定的如实告知义务，足以影响保险公司决定是否同意承保或者提高保险费率的，保险公司有权解除合同。投保人故意不履行如实告知义务的，保险公司对于合同解除前发生的保险事故，不承担赔偿责任，并不退还保险费。投保人因重大过失未履行如实告知义务，对保险事故的发生有严重影响的，保险公司对于合同解除前发生的保险事故，不承担赔偿责任，但退还保险费。
如您投保本产品，基于提供保险服务、提高服务质量的需要，您授权：本公司及本公司的合作机构在承保前后核实投保信息的真实性、调查获取被保险人与保险有关的相关信息(包括但不限于健康情况、诊疗情况、既往病史等)，如本公司经前述核查发现您存在未如实告知情况的，本公司将依法解除保险合同；本公司向与具有必要合作关系的机构提供您的信息（包括但不限于投保、承保、理赔、医疗等）；本公司及本公司的合作机构可对您的信息进行合理使用，可通过知悉您信息的机构查询与您有关的全部信息。为确保信息安全，本公司及其本公司的合作机构应采取有效措施，并承担保密义务。
在必要情形下第三方可能接触并使用您的个人信息，包括得到授权的太保产险员工、以及执行与我们的业务、营销活动和数据整理有关工作的其他公司或人员。所有此类人员及公司均需遵守相关保密协议，同时也需遵守国家关于个人信息保护有关法律法规，以确保您的个人信息随时得到保护。除上述用途外，太保产险不会将您的个人信息用于任何未经您同意的用途。除了我们的业务合作伙伴、我们的法律顾问、外部审计机构或按照法律规定、监管规定或法庭裁决之外，我们不会将所接受的任何个人信息泄露、篡改、毁损、出售或者提供给任何第三方。
【投保声明】
1、在确认投保本保险产品之前，请您务必审慎、仔细阅读并充分了解以上投保须知及理解本保险条款的全部内容（尤其是对其中免除保险人责任的条款或约定，包括但不限于责任免除、免赔额、特约、投保人被保险人义务、保险金申请与给付、以粗体标注的内容等），如果您不同意上述任何内容，或者无法准确理解本保险产品任何条款的含义，请不要进行确认及后续操作。
2、投保时，请确认您已就该产品的保障内容以及保险金额等向被保险人进行了明确说明，并征得其同意。