携保天下-综合户外运动保险 计划四
原价¥
承保年龄:不限|保障期限:不限
保障方案
保险条款
主条款
户外运动意外伤害保险条款
C00009332312018122700881
附加条款
附加户外运动医疗运送和送返保险条款
C00009331922018122700791
附加户外运动身故遗体送返保险条款
C00009331922018122700741
附加户外运动家属慰问探访保险条款
C00009331922018122700981
附加户外运动医疗费用补偿保险条款
C00009332522018122700781
附加户外运动绑架及非法拘禁保险条款
C00009331922018122700901
附加户外运动个人责任及犬类宠物责任保险条款
C00009330922018122700931
附加户外运动意外每日住院津贴保险条款
C00009332522018122700801
附加户外运动骨折慰问金保险条款
C00009332322018122700951
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携保天下-综合户外运动保险 计划四
携保天下-综合户外运动保险 计划四
保障权利
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退保
保险合同沒有完全履行时,经投保人和被保险人申请,保险人同意,解除双方由合同确定的法律关系,犹豫期后退保有损失,保险人按合同的约定退还保险单的现金价值。
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索赔
指当保险标的遭受承保责任范围内的风险损失或伤害时,被保险人/受益人有权向保险人提出索赔。
理赔指引
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第一步:申请报案
您可通过如下方式报案:
电话报案:请您致电400-609-9366进行报案;
微信报案:您可通过微信号报案;
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第二步:提交理赔资料
您向我们报案后,我们将会给您发送索赔指引邮件,告知您资料要求和理赔流程及纸质材料的寄送地址。
如您不确定现有材料是否符合理赔要求,可以将所有资料拍照通过微信小程序“携保保单服务”上传,我们将会协助您进行影像件预审核。
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第三步:理赔资料审核
事故责任明确、理赔资料齐全的案件,审核周期为:小马闪赔类一般为1个工作日,普通类一般为5-7个工作日
, 重大类一般为20-22个工作日。
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第四步:领取赔款
理赔款一般在结案后的1-2个工作日可以到账。为保障到账时效,建议在提交理赔资料时以工、农、中、建、交或邮储等银行卡作为收款账户。
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理赔须知:
1、如需报案或理赔协助服务,请拨打我们全国服务电话:4006099366。
2、报案时,请您提供保单号(或有效证件号码)、出险人姓名、
出险时间、出险地点、出险原因、治疗就医情况等基本信息。
3、您向我们报案后,我们将会给您发送索赔指引邮件,告知您资料要求和理赔流程。
4、发生合同约定保险事故需要到医院接受治疗,请到合同约定的医院(一般是二级或二级以上公立医院)进行就诊治疗。并请提醒主治医生使用医保范围内用药、诊疗项目及服务设施。就诊的同时请妥善保存病历(包含首诊病历)、原始收费凭证、处方、诊断证明、检查化验报告、住院证明等就医相关材料,以便向保险公司办理索赔申请。
5、一对一理赔协助:我们将全程协助您报案、告知您在
当地如何处理、告知索赔所需相关证明资料、并监督保险公司理赔结案和协助催付赔款等。
6、领款方式:通过银行转账的方式,保险公司将通过财务系统直
接向您所指定的银行账户进行转账支付。需要您提供开户银行、户名、账号等信息,建议您选择工农中建交或邮储,以便保险公司快速处理
常见问题
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本产品对医院有什么要求?
境内(除香港、澳门、台湾地区以外的中国地区)的医院:指二级或二级以上的医院,包括保险公司认可的与二级或二级以上医院相同规模的医院。 被保险人须在本定义规定的医院治疗。急救不受此限制,但在急救情况稳定后,须转入本定义规定的医院治疗。
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保单如何验证?
投保完成后,电子保单会直接发送至您邮箱,为保证您的合法权益,您可通过访问阳光财险网址或拨打客户服务热线95510,对您所投保保单的相关信息进行查询。
投保须知
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所有的保险责任及条款均以阳光财产保险股份有限公司签发的正式保险合同之相应条款为准。
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本计划的承保年龄为1至65周岁,以保单生效时的周岁年龄为准。
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在同一保险期间,每位被保险人投保同一产品(包括同一产品的同一计划或不同计划)限投保一份,如果投保了多份同一计划,以最先投保之保单为有效,其余部分视为无效,保险费将无息退还;如果投保了多份不同计划,以意外伤害保额最高之保单为有效,其余部分视为无效,保险费将无息退还。
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按中国银保监会规定,10周岁以下的未成年人累计身故保险金额不得超过人民币20万元;10至17周岁的未成年人累计身故保险金额不得超过人民币50万元。若未成年被保险人的保险金额超过上述规定,则以上述规定的保险金额为限。
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若被保险人在任意渠道投保由本公司承保的多份“意外身故、残疾保险”、“疾病身故”、“急性病身故”、“猝死”、 “意外医疗费用”、“医疗费用(包含意外及突发急性病医疗费用)”、“意外每日住院津贴”、“每日住院津贴”,则本公司仅按其中保险金额最高者做出赔偿。
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海拔6000米以下的休闲旅游、远足徒步、露营、野外生存;场地趣味活动;场地/越野轮滑、自驾车旅行;游泳、潜水(下潜深度不超过18米)、划船、漂流、丛林飞跃、飞盘、溯溪。不承保被保险人在未经国家旅游管理部门许可的景点及任何无人区进行的探险、考察和旅游活动。探险指明知在某种特定的自然条件下有失去生命或使身体受到伤害的危险,而故意使自己置身于其中的行为,如:江河漂流、技术性登山、徒步穿越沙漠或人迹罕至的原始森林等活动。
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本产品指定医院为符合条款要求的医院,除了北京平谷区所有医院。请注意:北京市平谷区所有医院的就医均不给予理赔。
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外籍人士购买本产品只要符合投保规则即可,无其它特殊要求,但不承保回原国籍。
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本产品仅承保中国大陆地区(不包含香港、澳门及台湾)发生的意外伤害事故。
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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。
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本保险产品意外及突发性疾病医疗每次事故免赔额100元,每次事故扣除免赔额后按80%比例赔付。
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本保险产品绑架及非法拘禁按每天300元赔付,总赔付额不超过保单限额。
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