Travel Comprehensive Insurance

Global GCI Travel Comprehensive Insurance is specially designed by GCI against all the risks during overseas traveling of customers.
 
Scope of Application:

Business trip, independent travel, and other overseas travels;
 
Product Characteristics: 
 
Necessary insurance product for Schengen visa;

Personal accidents, personal belongings, and personal legal liabilities;

Global emergency services for 24 hours, and overseas treatment without cash advances;

Hotline consultation services for travel assistance for 24 hours; 
 
Scope of Guarantee


Part A: Personal accidents
Accidents caused by taking public transportations with costs:
Disability and death of the insured resulting from the accidents during traveling by taking transportations with costs, transportations arranged by the travel agency, or private cars.


Other personal accidents:

Disability and death resulting from the accidents during traveling by taking the free-of-charge transportations

Guarantee for burns and scalds:

Burns and scalds of the insured arising from accidents during traveling.

Pension guarantee for death:

Death compensations obtained as a result of accidental death of the insured during traveling.
 
Part B: Guarantee for travels and finances

 

Cancellation of Journey (coming into force after issuance of insurance policies or in 7 days before departure):

The journey has to be cancelled because of:death, serious injury and disease of the insured, direct relatives, business partners or traveling companions; summon of court, forced insulation of the insured; strike of public transport agencies, riot, people’s rebellion or outbreak of infectious diseases occurring in the traveling spot within 7 days before departure; and losses resulting from the fire disaster, flood hazard or the similar natural disasters occurring in the insurant’s or traveling companions’ residence. If so, the compensation of traveling and accommodation costs, which is to be borne and prepaid by the insurant, and non-refundable, would be acquired.

 

Shortening of Journey:
After the traveling starts, the journey has to be cancelled because of:death, serious injury and disease of the insured, direct relatives, business partners or traveling companions; and strike of public transport agencies, riot, people’s rebellion or outbreak of infectious diseases occurring in the traveling spot; If so, the compensation of traveling and accommodation costs, which is to be borne and prepaid by the insured, and non-refundable, would be acquired.


Change of Journey:

After the traveling starts, if the insured could not continue his/her journey because of strike of public transport agencies, riot, people’s rebellion, outbreak of infectious diseases or severe whether occurring in the traveling spot, the journey would have to be rearranged. If so, the compensation of extra traveling and accommodation costs, which is to be borne by the insured, would be acquired.

 

Delay of Journey:

During traveling, if the public transportation reserved by the insured suffers from strike, riot, people’s rebellion, severe whether, air pricy or failures of parts, and the journey has at least 8-hour delay than the scheduled time of traveling insurance, our company would compensate the insured according to the specified amount. 

 

Delay of Luggage:

During traveling, if the checked luggage is lost or delayed for more than 8 hours after the insured arrives in the predetermined overseas destination, the insured would obtain the compensation of purchasing expenses of necessary clothes and toilet articles overseas.

 

Personal Luggage:

The unexpected loss of the carried luggage or property during traveling

Personal cashes: the lost cashes as a result that the insurant is stolen and robbed during traveling.

Loss of certificates: If the traveling is delayed due to the unexpected loss or damage of the ID card of People’s Republic of China, passport, visa or other necessary travel documents for immigration clearance, the insured could acquire the compensation of replacement costs of the these certificates as well as the extra traveling and accommodation costs caused by the certificate replacement.


 
Part C: Personal legal liabilities

The economic compensation liabilities to be assumed by the insured according to law as a result of the fortuitous casualty or unexpected property loss of the third party due to the insurant’s negligence or carelessness.


 
Part D: Emergency medical salvage

Emergency medical care:

a. Emergency ambulatory care; b. Emergency dental care; c. Hospitalization

Emergency assistance:

a. Emergency medical transport and repatriation; b. Repatriation of remains or bone ashes; c. Burying on incident site.

Other guarantees:

a. Arrange companions for inpatients; b. Repatriate the offspring of the insured; c. Send the relatives abroad to handle the funeral affairs.