Guided tour insurance: exclusive insurance for people in the tourism industry

1. The first insurance waiting period of the insured person: the waiting period for medical treatment for medical treatment for medical treatment and liability for personal major illness is 30 days.

2. During the insurance period, the insurer covers the accident of accidental injury suffered in the course of engaging in high-risk sports, and the insured is responsible for the corresponding insurance liability if he is first diagnosed with a major illness contract edamine as a result of the first diagnosis of high-risk sports.

3. The insured shall attend a medical institution that is approved, and if the emergency department for emergency or sudden illness may not be affected by accidental injury, but after the first aid situation is stable, it shall be transferred to an approved medical institution in a timely manner according to the condition.

4. The insurance policy is covered by each insurer in the interests of past medical conditions other than the following special contracts. Where the exemption clause of liability is in conflict with this section, this special provision shall prevail.

(1) If the insured person has suffered from regenerative anemia, congenital diseases, mental illness, epilepsy, specific infectious diseases, AIDS, sexually transmitted diseases, the inpatient medical expenses incurred in the period of hospitalization due to the aforementioned disease to the hospital for treatment, the insurer shall not bear the corresponding insurance liability.

(2) If the insured person is hospitalized for medical treatment for illness or trauma surgery prior to insurance, the medical expenses of door (urgent) consultation and hospitalization incurred in the continuation of treatment for the aforementioned illness or trauma surgery during the insurance period, or if the death or total disability resulting from the aforementioned illness or trauma surgery, the insurer shall not bear the corresponding insurance liability.

(3) If the insured person has been ill with the disease before the insurance or during the period of waiting stipulated in the terms ("the "past illness", including the major illness of this contract or does not meet the illness or symptom signed by the special contract, and the insured shall not be liable for the illness which is directly diagnosed by the insured person as a major illness specified in this contract during the period of the insurance period.

6. In the female maternity liability of this policy, the insurer shall only be liable for the cost of the pregnancy examination for the maternity period and the medical expenses of the hospital for maternity delivery (excluding the cost of the baby), and the insurer shall not be liable for the payment of insurance benefits for the insured who has been diagnosed with a pregnancy for more than 45 days prior to the date of the insurance.

7. The liability limit of each tourist's liability for each accident in this policy is 300 yuan or the travel agency has compensated the tourist for 20% of the loss amount, whichever is lower;

8. If the tour guide/leader card number has been filled in at the time of insurance, the guide/leader's certificate shall be provided when making a risk claim, if the tour guide/leader's license number is not filled in at the time of insurance, the on-the-job certificate stamped with the official seal of the travel agency shall be provided when the insurance claim is made.

9, the withdrawal process: can contact the policyholder before the start of the insurance policy withdrawal, the policyholder's contact information can be obtained from the policy.

10, claims process

(1) After reporting an accident, call the report ingres telephone at the first time.

(2) Collecting and providing claim information in accordance with the request of the claims officer is only claimed through the electronic version of the case materials.

(3) Submit the claim document.

(4) The insurer shall examine the document and pay compensation.