What does my insurance cover?

Hello, dear friends, My trip to China will begegin in August. You have mentioned that you hve buy the insurance for me. I'd like to know what my insurance cover. Thanks then!

Hello Jackon. I am glad to answer your question now. Generally speaking, we buy the insurance for our customers in order to protect the benefits and life of them. The insurance is China Life Tourist Accident/Casualty Insurance. The following is the terms and conditions:

Benefits and Limitations:

In case that the Insured sustains accidental injury or is stricken by acute diseases while the Policy is in force, the Insurance Company will deliver its benefit payment in accordance with the following provisions:

1. Upon the death of the Insured due to the acute illness or disease itself within 7 days after he or she is stricken, the Insurance Company will pay the death benefit.

2. Upon the death of the Insured due to the accidental injury itself within 180 days after the occurrence of accident, the Insurance Company will pay the death benefit.

3. In case the Insured is missing because of the accident and is afterwards declared dead by the People's Court, the Insurance Company will pay the death benefit.

4. If the Insured sustains bodily disability from and only from the same accidental injury, the Insurance Company shall, upon receipt and approval of the proofs, pay a benefit for the disability provided such disability shall result within 180 days from the date of the accident. If treatment of such disability continues beyond 180 days from the date of the accident, the Insurance Company will pay disability benefits according to its appraisal of the Insured's disability seriousness on the 180th date from the occurrence of the accident.

5. When the Insured incurred medical expenses in hospitals at or above the county level or other medical providers approved by the Insurance Company, the Insurance Company will indemnify 80% of the medical expenses.

6. The corpse treatment and remains repatriation expenses insured for the Insured's death from the aforesaid causes, the Insurance Company will indemnify the expenses according to the actual expenditures within the funeral benefit.

Exclusions:

Benefits shall not apply to any event which causing the Insured's death, disability or engenders medical expenses to the Insured:

1. violation or attempted violation of the law or resistance to arrest;

2. fighting, excessive drinking, suicide, self-inflicted injury or drug abuse by the Insured;

3. accidents occurring while or because the Insured is affected by alcohol, any drugs or restricted medicines;

4. the Insured's driving after drinking or without driving license or using non validly-registered vehicles;

5. accidents arising from the Insured's abortion and childbirth;

6. any malpractice event arising from cosmetic surgery, or other surgical or medical operations;

7. non-prescribed medicine or ointment taken by the Insured;

8. the period of time when the Insured carries AIDS or is digested HIV positive;

9. war, military activities, riot, or armed rebellion;

10. nuclear explosion, nuclear radiation or nuclear pollution;

11. non-medical treatment such as health nursing performed to the Insured;

12. home care and in-house care undertaken to the Insured;

13. teeth washing, teeth cleaning, optometry, ocular prosthesis, armature prosthesis, and installation of artificial limb and hearing-aid;

14. treatment and rehabilitation of disability existed prior to the Insured's application;

15. the Insured's hospital transfer without the Insurance Company's prior consent;

16. the