平安境外旅行紧急救援医疗保险

产品名称	平安境外旅行紧急救援医疗保险
险种类别	意外伤害
所属公司	中国平安人寿保险股份有限公司
投保范围
缴费方式
保险期间
保险责任	在本合同保险责任有效期内，被保险人在中华人民共和国境外（含香港、澳门、台湾地区）旅行期间遭受意外伤害事故或突发急性病时，本公司根据投保时约定承担下列保险责任中的一项或多项： （一）、紧急救援医疗保险金 被保险人遭受意外伤害事故或突发急性病，需要紧急救援的，应及时拨打本公司提供的24小时援助热线电话通知本公司授权的救援机构（以下简称救援机构），救援机构的授权医生（以下简称授权医生）将根据其专业知识向被保险人提供医疗咨询，并在确认被保险人需要医疗援助时，本公司按投保时约定承担下列保险责任： 1． 安排就医和紧急医疗转送 被保险人遭受意外伤害事故或突发急性病，经授权医生确认需要医疗援助的，本公司将通过救援机构安排被保险人至最近的医院就医或安排离事发地最近的医生至事发地为被保险人治疗并承担相应的运送费用。 如授权医生认为事发地医院的医疗条件无法满足被保险人治疗的需要时，本公司将通过救援机构安排被保险人转送到更适合其治疗的医院并承担相应的运送费用。如授权医生认为病情需要或事发地法律要求，本公司将通过救援机构派遣医护人员护送并承担由此产生的费用。 如授权医生认为被保险人所在地及其合理路程范围内的医院的医疗条件无法满足被保险人治疗的需要时，本公司将通过救援机构安排被保险人返回中华人民共和国境内常驻地的医院或离其常驻地最近的医院治疗并承担相应的运送费用。如授权医生认为病情需要，本公司将通过救援机构派遣医护人员护送并承担由此产生的费用。 2． 住院医疗保险金 被保险人遭受意外伤害事故或突发急性病，经授权医生确认并由救援机构安排住院治疗的，本公司通过救援机构承担被保险人住院治疗期间合理且必要的医疗费用（含床位费、检查费、化验费、治疗费、手术费、药费和救护车费等）。 未满12周岁的被保险人住院治疗的，本公司可通过救援机构安排一位家长陪同住院；若该医院无陪住设施，本公司将通过救援机构安排该位家长入住附近酒店。在该被保险人住院期间，本公司通过救援机构承担该位家长陪同住院或酒店住宿的费用。 3． 转送回国 对被保险人的治疗措施结束后或授权医生认为被保险人的病情或伤势已经稳定可以旅行时，本公司将通过救援机构安排被保险人以经济交通方式返回中华人民共和国并尽可能使用被保险人的原始回程票（含机票、火车票、汽车票或轮船票等，以下同）。如被保险人的原始回程票因救援过程而失效，本公司通过救援机构承担被保险人的回程票费用。如被保险人未购买原始回程票，回程票费用由被保险人自行承担。 如授权医生认为被保险人病情需要，本公司将通过救援机构派遣医护人员护送并承担由此产生的费用。 被保险人返回中国人民共和国后，本公司对该被保险人的该次保险责任结束。 4． 安排子女回国 被保险人遭受意外伤害事故或突发急性病，其随行的未成年子女无人照料时，本公司可通过救援机构安排经济交通方式送其子女回国，且尽可能使用其子女的原始回程票。但回程票费用由被保险人自行承担。 本公司累计承担安排就医和紧急医疗转送、住院医疗保险金、转送回国及安排子女回国等保险责任各项费用的总额以其保险金额为限，超过保险金额的费用须由被保险人自负，本公司和救援机构均不再承担保险责任。 （二）遗体处理保险金 被保险人遭受意外伤害事故或突发急性病身故，本公司将通过救援机构按照被保险人的遗愿或其家属的愿望，将被保险人的遗体或骨灰按下列三种方式之一处理并承担相关费用，但累计承担费用总额以不超过各处理方式相应的保险金额为限。 1． 遗体转送回国 本公司通过救援机构安排用正常航班运送被保险人的遗体至其中华人民共和国境内的常驻地并承担灵柩费和运送灵柩的费用。 2． 骨灰运送回国 本公司通过救援机构安排被保险人的遗体在被保险人身故地火葬，并用正常航班将骨灰盒运送至被保险人在中华人民共和国境内的常驻地。本公司通过救援机构承担火葬费用和骨灰盒运送回国费用。 3． 就地安葬 本公司通过救援机构将被保险人的遗体在被保险人身故地就地安葬并承担相关费用。

平安境外旅行紧急救援医疗保险条款（节选）Policy Clauses of Ping An Overseas Traveling Emergency Assistance Medical Insurance (Extract)

保险责任Insurance Liabilities
在本合同保险责任有效期内，被保险人在中华人民共和国境外（含香港、澳门、台湾地区）旅行期间遭受意外伤害事故或突发急性病时，本公司根据投保时约定承担下列保险责任中的一项或多项：Within the period of validity of the insurance liabilities of the Contract, in the event that the insured suffers any accidental injury or acute disease when he/she is traveling outside P.R. China (including Hong Kong, Macao and Taiwan), the Company will cover one or several of the following insurance liabilities as per the agreements in the policy:
（一）紧急救援医疗保险金(I) Amount insured for Emergency Medical Assistance
被保险人遭受意外伤害事故或突发急性病，需要紧急救援的，应及时拨打本公司提供的24小时援助热线电话通知本公司授权的救援机构（以下简称救援机构），救援机构的授权医生（以下简称授权医生）将根据其专业知识向被保险人提供医疗咨询，并在确认被保险人需要医疗援助时，本公司按投保时约定承担下列保险责任：In the event of any accidental injury or acute disease and the need of any emergency assistance, the insured shall call the Ping An 24-hour hotline to inform the Assistance Company authorized by the Company (the “Assistance Company”) of the situation in order to get medical advice from the authorized doctor of the Assistance Company(the “Authorized Doctor”). Once it is confirmed that the insured needs any medical assistance, the Company will execute the below insurance liabilities according to the agreements in the policy:
1．安排就医和紧急医疗转送1. Arrange for medical care and emergency medical transfer
被保险人遭受意外伤害事故或突发急性病，经授权医生确认需要医疗援助的，本公司将通过救援机构安排被保险人至最近的医院就医或安排离事发地最近的医生至事发地为被保险人治疗并承担相应的运送费用。Once the Authorized Doctor confirms that the insured who is suffering from any accidental injury or acute disease needs any medical assistance, the Company will arrange via its Assistance Company the nearest hospital to provide medical care to the insured, or arrange a nearby doctor to arrive on the spot to attend the insured, the transportation expenses being covered by the Company.

如授权医生认为事发地医院的医疗条件无法满足被保险人治疗的需要时，本公司将通过救援机构安排被保险人转送到更适合其治疗的医院并承担相应的运送费用。如授权医生认为病情需要或事发地法律要求，本公司将通过救援机构派遣医护人员护送并承担由此产生的费用。In the event the medical conditions in the local hospital are not sufficient for the insured in the opinion of the Authorized Doctor, the Company will arrange via its Assistance Company to transfer the insured to a hospital with more appropriate facilities, with the transfer cost thus incurred being borne by the Company. If deemed necessary by the Authorized Doctor or so required by the local laws, the Company will dispatch via its Assistance Company medical personnel to accompany the transfer, all costs thus incurred being borne by the Company.
如授权医生认为被保险人所在地及其合理路程范围内的医院的医疗条件无法满足被保险人治疗的需要时，本公司将通过救援机构安排被保险人返回中华人民共和国境内常驻地的医院或离其常驻地最近的医院治疗并承担相应的运送费用。如授权医生认为病情需要，本公司将通过救援机构派遣医护人员护送并承担由此产生的费用。In the event that the medical conditions in the hospitals on the spot and within a reasonable range are not sufficient for the insured in the opinion of the Authorized Doctor, the Company will arrange via its Assistance Company to send the insured to a hospital local to him/her within the territory of P.R. China, or a hospital that is nearest to the residence of the insured, the transfer cost thus incurred being borne by the Company. In the event deemed necessary by the Authorized Doctor, the Company will dispatch via its Assistance Company medical personnel to accompany the transfer, all costs thus incurred being borne by the Company.
2．住院医疗保险金2. Amount insured for hospitalization
被保险人遭受意外伤害事故或突发急性病，经授权医生确认并由救援机构安排住院治疗的，本公司通过救援机构承担被保险人住院治疗期间合理且必要的医疗费用（含床位费、检查费、化验费、治疗费、手术费、药费和救护车费等）。In the event the insured is arranged for hospitalization after the Authorized Doctor has confirmed his/her case of accidental injury or acute disease, the Company will cover via its Assistance Company the reasonable and necessary medical expenses incurred during the hospitalization of the insured, including charges for the bed, the examinations, the assays, the treatments, the operations, the medicines, and the ambulance etc.
未满12周岁的被保险人住院治疗的，本公司可通过救援机构安排一位家长陪同住院；若该医院无陪住设施，本公司将通过救援机构安排该位家长入住附近酒店。在该被保险人住院期间，本公司通过救援机构承担该位家长陪同住院或酒店住宿的费用。The Company will arrange via its Assistance Company a parent to accompany a hospitalized insured who is under 12 years of age. In the event that the hospital in question does not have the facility for the parent to accompany the hospitalization, the Company will arrange via its Assistance Company the accommodation of the parent in a nearby hotel. During the hospitalization of the said insured, the Company will cover via its Assistance Company the expenses incurred during his/her parent’s stay in the hospital or a hotel.

3．转送回国3. Repatriation
对被保险人的治疗措施结束后或授权医生认为被保险人的病情或伤势已经稳定可以旅行时，本公司将通过救援机构安排被保险人以经济交通方式返回中华人民共和国并尽可能使用被保险人的原始回程票（含机票、火车票、汽车票或轮船票等，以下同）。如被保险人的原始回程票因救援过程而失效，本公司通过救援机构承担被保险人的回程票费用。如被保险人未购买原始回程票，回程票费用由被保险人自行承担。Once the treatment for the insured is over, or the insured recovers from his/her illness or injury and is fit for travel in the opinion of the Authorized Doctor, the Company will arrange via its Assistance Company to repatriate the insured to P.R. China via an economical means of transportation, using if possible the original return tickets of the insured (including the air ticket, train ticket, bus ticket, and boat ticket; the same applies below). In the event that any original return ticket of the insured becomes invalid in the course of the medical assistance, the Company will cover via its Assistance Company the expense of the return ticket of the insured. In the event that the insured does not have a return ticket, the expense of the return ticket shall be borne by the insured him/herself.
如授权医生认为被保险人病情需要，本公司将通过救援机构派遣医护人员护送并承担由此产生的费用。In the event deemed necessary by the Authorized Doctor for the state of the insured, the Company will dispatch via its Assistance Company medical personnel to accompany the repatriation of the insured, all expenses thus incurred being borne by the Company.
被保险人返回中国人民共和国后，本公司对该被保险人的该次保险责任结束。The liabilities of the Company on the insured cease upon the insured’s repatriation to P. R. China.
4．安排子女回国Repatriation of the offspring of the insured
被保险人遭受意外伤害事故或突发急性病，其随行的未成年子女无人照料时，本公司可通过救援机构安排经济交通方式送其子女回国，且尽可能使用其子女的原始回程票。但回程票费用由被保险人自行承担。In the event that any minor children who are traveling together are unattended due to the accidental injury or acute disease suffered by the insured, the Company will arrange via its Assistance Company to repatriate the minor children to China via an economical means of transportation, using if possible their original return tickets. The expenses of the return tickets shall be borne by the insured.
本公司累计承担安排就医和紧急医疗转送、住院医疗保险金、转送回国及安排子女回国等保险责任各项费用的总额以其保险金额为限，超过保险金额的费用须由被保险人自负，本公司和救援机构均不再承担保险责任。The total amount of expenses incurred for the execution of the insurance liabilities during medical care arrangements, emergency medical transfer, hospitalization, repatriation and the minor children’s repatriation shall not exceed the insured amount. The insured shall be responsible for covering the part of expenses that exceeds the insured amount, for which the Company and its Assistance Company shall not have any insurance liabilities.
（二）遗体处理保险金(II) Amount insured for Mortal Remains Handling
被保险人遭受意外伤害事故或突发急性病身故，本公司将通过救援机构按照被保险人的遗愿或其家属的愿望，将被保险人的遗体或骨灰按下列三种方式之一处理并承担相关费用，但累计承担费用总额以不超过各处理方式相应的保险金额为限。In the event of the decease of the insured from any accidental injury or acute disease, the Company will make arrangements via its Assistance Company to handle the remains or ashes of the insured in one of the following three ways according to the will of the insured or his/her family. The Company will cover the expenses to the extent that they do not exceed the insured amounts of the relevant handling methods.
1．遗体转送回国1. Repatriation of mortal remains
本公司通过救援机构安排用正常航班运送被保险人的遗体至其中华人民共和国境内的常驻地并承担灵柩费和运送灵柩的费用。The Company makes arrangements via its Assistance Company to repatriate by regular flight the mortal remains of the insured to his/her residence within the territory of the People’s Republic of China, the coffin expense and coffin transportation expense being borne by the Company.
2．骨灰运送回国2. Repatriation of the ashes
本公司通过救援机构安排被保险人的遗体在被保险人身故地火葬，并用正常航班将骨灰盒运送至被保险人在中华人民共和国境内的常驻地。本公司通过救援机构承担火葬费用和骨灰盒运送回国费用。The company makes arrangements via its Assistance Company to cremate the remains of the insured where he/she has deceased, and repatriates the ashes by regular flight to his/her residence within the territory of the People’s Republic of China, the cremation expense and ashes repatriation expense being borne by the Company via its Assistance Company.
3．就地安葬3. Local burial
本公司通过救援机构将被保险人的遗体在被保险人身故地就地安葬并承担相关费用。The Company makes arrangements via its Assistance Company to bury the body of the insured where he/she has deceased, all relevant expenses being borne by the Company.

（三）紧急救援门诊医疗保险金(III) Amount insured for Emergency Assistance Outpatient Services
被保险人遭受意外伤害事故或突发急性病，经授权医生确认并由救援机构安排门诊治疗的，本公司通过救援机构承担被保险人因门诊治疗发生的合理且必要的医疗费用。但每一事故或急性病门诊费用低于人民币800元（含）的部分由被保险人自行承担，且本公司累计承担费用总额以其保险金额为限，超过保险金额的费用须由被保险人自负，本公司和救援机构均不再承担保险责任。In the event that the insured is arranged for any outpatient medical service after his/her case of accidental injury or acute disease has been confirmed by the Authorized Doctor, the Company will cover via its Assistance Company all reasonable and necessary medical expenses incurred by the outpatient services the insured has received. However, the part of the expenses for outpatient services received for each accident or acute disease that is lower than RMB800 Yuan (inclusive), as well as the expenses that exceed the insured amount, shall be borne by the insured him/herself. The Company and its Assistance Company shall not have any other insurance obligations after it reimburses the part of expenses that are within the insured amount.
（四）紧急救援牙科门诊医疗保险金(IV) Amount insured for Emergency Assistance Dental Care Services
被保险人遭受意外伤害事故或突发急性病，经授权医生确认并由救援机构安排牙科门诊治疗的，本公司通过救援机构承担被保险人牙科门诊治疗发生的合理且必要的医疗费用。但每一事故或急性病门诊费用低于人民币800元（含）的部分由被保险人自行承担，且本公司累计承担费用总额以其保险金额为限，超过保险金额的费用须由被保险人自负，本公司和救援机构均不再承担保险责任。In the event that the insured is arranged for any dental care service after his/her case of accidental injury or acute disease has been confirmed by the Authorized Doctor, the Company will cover via its Assistance Company all reasonable and necessary medical expenses incurred by the dental care services the insured has received. However, the part of the expenses for outpatient medical services received for each accident or acute disease that is lower than 800 Yuan (inclusive), as well as the expenses that exceed the insured amount, shall be borne by the insured him/herself. The Company and its Assistance Company shall not have any other insurance obligations after it reimburses the part of expenses that are within the insured amount.
以上各项保险责任中涉及到的各项费用均按费用发生当日中华人民共和国中国人民银行公布的外汇汇率换算成人民币。Any expense in association with the above insurance liabilities shall be converted to Renminbi according to the exchange rate published on the day of its occurrence by the People’s Bank of China of the People’s Republic of China.
第五条 责任免除Clause Five, Exemption from Liability
因下列情形之一，造成被保险人费用支出的，本公司不负给付保险金责任：The Company will not reimburse the expenses of the insured in the event:
（一）投保人对被保险人故意杀害、伤害；(I) The policyholder kills or injures the insured voluntarily;
（二）被保险人故意犯罪、拒捕、自杀或故意自伤；(II) The insured commits a crime or suicide, resists arrest, or inflicts injury to him/herself voluntarily;
（三）被保险人酗酒，服用、吸食或注射毒品；(III) The insured drinks excessively, or takes or injects drugs;
（四）被保险人酒后驾驶、无有效驾驶证照驾驶、所持驾驶证照与驾驶的机动交通工具不符或驾驶无有效行驶证的机动交通工具；(IV) The insured drives under the influence of alcohol or without a valid driving license; the driving license does not apply to the vehicle the insured drives; or the vehicle does not have a valid license;
（五）被保险人非法搭乘交通工具或搭乘未经当地相关政府部门登记许可的客运交通工具；(V) The insured hitchhikes a passenger transportation vehicle that is not properly registered to the competent local authority, or hitchhikes a vehicle in an otherwise illegal way;
（六）战争（不论宣告与否）、军事行动、暴乱或武装叛乱、恐怖行为；(VI) War (declared or not), military action, unrest, armed revolt, or terrorist action;
（七）核爆炸、核辐射或核污染；(VII) Nuclear explosion, nuclear radiation or nuclear pollution;
（八）被保险人未遵医嘱，私自服用、涂用、注射药物；(VIII) The insured takes, applies or injects any medicines without the permission of his/her doctor;
（九）被保险人患性病、艾滋病（AIDS）或感染艾滋病病毒（HIV呈阳性）期间；(IX) The insured is infected with STD, AIDS or HIV;
（十）被保险人不孕不育治疗、人工受精、怀孕、分娩（含难产）、流产、堕胎、节育（含绝育）、产前产后检查以及由以上原因引起的并发症，但因意外伤害事故所致者不受此限；(X) The fertility treatment or artificial fertilization the insured receives, or her gestation, parturition (including dystocia), miscarriage, abortion, birth control treatment, prenatal and puerperal examinations, as well as any complications thus caused, but exclusive of any conditions that are caused by any accidental injury;
（十一）矫形、视力矫正手术、美容、因手术所致医疗事故、非意外伤害事故所致的整容手术；(XI) Orthotherapy, vision correction operation, plastic operation, medical accident caused by any operation, or cosmetic surgery caused by any accidental injury;
（十二）精神病或精神分裂、癌症、既往症及保险单中特别约定的除外疾病；(XII) Psychosis, schizophrenia, cancer, any pre-existing illness or any other disease excluded in the policy;
（十三）先天性畸形、变形和染色体异常（以世界卫生组织颁布的《疾病和有关健康问题的国际统计分类（ICD-10）》为准）。(XIII) Congenital malformation, deformation or chromosome abnormality (according to the Tenth Revision of the International Statistical Classification of Diseases and Related Health Problems (ICD-10) released by the World Health Organization);

（十四）被保险人疗养、静养或康复治疗；(XIV) Any recuperation therapy or convalescent treatment the insured receives;
（十五）一般性健康检查、预防性治疗、针刺治疗或接种；(XV) General health examinations, preventative treatments, acupuncture treatments or vaccinations;
（十六）被保险人从事潜水、跳伞、攀岩运动、探险活动、武术比赛、摔跤比赛、特技表演、赛马、赛车等高风险运动；(XVI) The insured participates in diving, parachute, rock climbing, adventure, martial art competition, wrestling competition, acrobat performance, horse racing, motor racing, or any other high-risk sport;
（十七）被保险人进行职业或半职业性质的体育运动项目训练或比赛；(XVII) The insured participates in professional or semiprofessional sports trainings or competitions;
（十八）被保险人在中华人民共和国境内遭受意外伤害事故或突发急性病；(XVIII) The insured suffers any accidental injury or acute disease within the territory of P.R. China;
（十九）被保险人开始旅行前执业医师已告知被保险人身体状况不适合旅行，或被保险人旅行的目的是为诊疗或就医者；(XIX) The insured has been informed by a medical practitioner prior to his/her traveling that he/she is not physically fit enough to travel, or the intention of the insured is to travel is to seek medical care or treatment;

（二十）紧急救援和治疗期间购买报纸、租借电视机、使用电话或其他非医疗设施的费用。(XX) Expenses for newspaper, TV rental, telephone and other non-medical facilities incurred during the emergency assistance or treatment period.
发生上述情形（一）至情形（十八），被保险人身故的，本公司对该被保险人保险责任终止，并对投保人按日计算退还该被保险人的未满期净保费（经过日数不足一日按一日计算）。Upon the decease of the insured under any of the above described circumstances (I) to (XVIII), the Company ceases to have any insurance liabilities over the insured, and will reimburse the policy holder the net premium of the insured for the remained days (the outstanding hours less than one day will be regarded as one day).