Accident is unpredictable, especially when you are travelling, whether it's for business or pleasure. If an accident occurs, the provision of emergency medical services is very important. If you are injured as a result of an accident in mainland China, you could be admitted into any Hospitals Network by presenting the "Accidental Emergency Medical Insurance Card" ("Emergency Card"). Immediate in-patient medical treatment can be received without any Hospitals Network admission deposit.
China Taiping Insurance (HK) Company Limited ("the Company") is authorized by the International Health Exchange Centre, Ministry of Health, P.R. China (for Gold Card) and The Health Department of Guangdong and Fujian Provinces (for Blue Card) to issue "Emergency Card", which gives you 100% confidence of cover.
Plan Highlights
The Biggest Hospital Network near 4000
The Emergency Card is applicable at Hospital Network near 4,000 allocating in any provinces of China including about 3,000 in Guangdong and Fujian Provinces.
On presentation of the Emergency Card at Hospital Network, you could be allowed to waive any deposit payable for accidental emergency medical treatment.
No Restriction on Age and Occupation
This plan is available to anyone who holds a Hong Kong Identity Card or Macau Identity Card or Permit for Taiwan Compatriot or Foreign Passport. Any age and occupation is acceptable.
Unlimited Journey, Free Duration of Stay
You need not worry about how frequent you travel or how long you stay, your every single trip is well covered.
You only pay below HK$1* per day to enjoy the comprehensive protection
This plan offers all-round accident protection that includes death, permanent total disablement caused by accident, accidental emergency medical expenses and follow up expenses including Chinese Bonesetter and Physiotherapy or Chiropractic treatment expenses.
Free 24-hour Worldwide Emergency Assistance Service
Entitlement to use our 24-hour Worldwide Emergency Assistance Service, no matter where in the world you are.
Medical Assistance Service:
Emergency Medical Evacuation and Related Repatriation, Return of Minor Child(ren), Compassionate Visit and Deposit Guaranteeing of Hospital Admission.
Hotline Service:¡@¡@
Hospital Network Information, Emergency Travel Service Assistance, Lost Luggage Assistance, Pre-trip Information Services, Legal Referral, Interpreter Referral, Embassy Referral and Medical Service and Referral, Arrangement of Hospital Admission.
Our "Emergency Card" assures you free of worries
Territorial Scope: Mainland China (Exclude Hong Kong SAR¡BMacau SAR & Taiwan)
Coverage |
Maximum Benefit/Event
(HK$) |
1.
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Personal Accident
If the Insured suffers death or permanent total disablement caused by an accident within the Mainland China, the benefits shown below will be paid to him/her or his/her legal beneficiary. |
200,000 |
| 2. |
Accidental Emergency Medical Expenses
| 2.1 |
Accidental Emergency Medical Expenses
Accidental Emergency Medical Expenses
In the event that the Insured suffers accidental bodily injury resulting in emergency medical treatment at the Hospital Network immediately, the Company will reimburse the Accidental Emergency Medical Expenses, including out-patient and hospital confinement. |
| 2.2 |
Follow Up Expenses
Reimbursement for Eligible Expenses arising from follow-up medical treatment of same Accident by the Insured within 30 days at the Hospital Network in the Mainland China or of his return to Hong Kong SAR is also allowed.
hese follow-up expenses include the Chinese Bonesetter treatment expense which is limited to HK$500 (HK$100/day) and Physiotherapy or Chiropractic treatment expense which is limited to HK$1,000 (HK$150/day). |
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| 3. |
24-hour Worldwide Emergency Assistance Services
(1) Emergency Medical Evacuation or Repatriation
(2) Repatriation of Mortal or Remains/Ashes
(3) Compassionate Visit (must be hospitalized in excess of 7 days)
(4) Return of Minor Child (under 18 years of age)
(5) Deposit Guaranteeing of Hospital Admission
Note: The Service is effective outside the Place of Origin. Place of Origin will be regarded as Hong Kong SAR unless otherwise specifically mentioned on the Proposal Form by the Proposer and specifically endorsed by the Company.
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Unlimited
Unlimited
One Return Airfare*
One Way Airfare*
US$6,500
*Economy Class
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Premium
Period |
Premium (HK$) |
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Blue Card (Guangdong & Fujian Provinces) |
Gold Card ( Mainland China) |
One-Year Period |
350 |
600 |
Two-Year Period |
600 |
1,000 |
Three-Year Period |
850 |
1,400 |
Application Procedure
The application procedure is very simple. All you have to do is to fill in the proposal form and return it together with the necessary premium and a photocopy of your travel document to the Company or agent. The Insurance covered by this Policy shall become effective 7 working days after the Company has received and accepted your application.
General Exclusions
The Company will not be liable for death or bodily injuries and expenses arising out of or in consequence of:
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- war, hostilities or warlike operations, loss or damage from Act of Terrorism, civil war, rebellion, strikes, riots or caused by or contributed to by or arising from ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exception combustion shall include any self-sustaining process of nuclear fission.
- taking part in any illegal act or activities.
- engaging in sports or games in a professional capacity or where an Insured would earn income or remuneration from engaging in sports.
- participating in dangerous activities or sports.
- willfully exposing himself to needless peril (except in an attempt to save human life) or suicide, self-destruction, self-inflicted injury or any attempt threat whether sane or insane.
- pregnancy, childbirth, dystocia, abortion or miscarriage.
- fighting, attack resulting from provocation or deliberate act of Insured or insanity, intoxication or use of drugs(other than taken under a Medical Practitioner), rest cure or sanatorium care and dental treatment (except as necessitated by accidental injuries to sound natural teeth).
- engaging in any form of aerial flight or air travel other than as a passenger in a properly licensed multi-engined aircraft being operated by a licensed commercial air carrier or owned and operated by a commercial company.
- venereal disease or HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivative or variations thereof howsoever caused.
- pre-existing illness or bodily injury;
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Claims Procedure
Personal Accident Section
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- A claim should be informed in writing immediately to the Company within 30 days after the incident.
- A claim must be submitted with supporting documents including medical reports issued by a medical practitioner giving details on the nature of the injury and the extent and period of disability, evidence from the official authorities concerned such as police reports and if death shall have resulted, original of the death certificate and the relevant coroner¡¦s report.
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Accidental Emergency Medical Expenses Section
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- If the Insured is admitted to the Hospital Network as an in-patient due to accidental bodily injury, the Insured is allowed to waive any hospital admission deposit provided that he/she presents a valid Emergency Card to hospital for examination, the Company will settle the relevant medical expenses to the Hospital Network directly. Nevertheless, the Insured shall be responsible for payment any medical expenses which exceed the maximum benefit or are not covered in this Policy.
- If the Insured is admitted to the Hospital Network as a out-patient due to accidental Bodily Injury or without presenting the Emergency Card, the Insured needs to pay the emergency medical expenses and then can submit direct to the Company a completed claim form as provided by the Company within 30 days after discharge from the hospital, together with original payment receipts with detailed breakdown of expenses from the Hospital Network, and original medical certificate issued by the attending Medical Practitioner and original report issued by the official authorities concerned or evidence of the alleged accident.
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Important Notes
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- If the Insured loses the Emergency Card or wishes to change the personal details on the Card, a written notification to the Company is requested. A new card is therefore issued for supplement subject to a handling fee of HK$100 charged to the Insured.
- The Insured may cancel this insurance by written notification to the Company and returning the Emergency Card and Policy, the balance of premium for the unexpired period of Insurance will be made subject to the following conditions:
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- For one-year insurance policy, no refund of premium will be made.
- For two-year insurance policy, the part of premium of the second-year of the policy is refundable if the notice of the cancellation to the Company is given in the first-year of the policy; if the notice of cancellation is given in the second year, no refund is allowed.
- For three-year insurance policy, only the part of premium of the balanced two years of the policy is refundable if the notice of cancellation to the Company is given in the first year of the policy; if the notice of cancellation is given in the second year of the policy, the premium of the third year is refundable; if the notice is given in the third year, no refund is allowed.
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- All first treatment for Bodily Injury must be attended by a Medical Practitioner at the Hospital Network in the Mainland China.
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List of Hospital Network
| Gold Card : |
About 800 designated hospitals are administrated by the International Emergency Assistance Centre, MOH, P.R.China. |
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Final update on: 02-Nov-2004 |
| Blue Card: |
Near 3,000 designated hospitals are administrated by the Health Department of Guangdong province and Fujian Provincial Health Bureau, P.R.China. |
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Final update on: 02-Nov-2004 |
Insurance Company
China Taiping Insurance (HK) Company Limited
How to find out more
The information contained in this web-site is designed to serve as introduction only. For all relevant clauses and details you should refer to the insurance contract.
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Personal
Superiority