保险

Travel Insurance Policy for Foreign Visitors to China

Dear travelers, to ensure your safety and rights during your trip in China, Orient China Travel (OCT) strongly recommends all foreign visitors to purchase appropriate travel insurance. Please note that China's public healthcare system doesn't cover foreign nationals, and medical costs can be high. Insurance helps protect against unexpected accidents, medical treatment, lost luggage, and other risks.

1. Why You Need Insurance

✅ Medical Coverage: Public hospitals in China charge higher fees for foreigners. Insurance covers accidental injuries and acute illness treatments.
✅ Emergency Assistance: Includes worldwide emergency medical evacuation and repatriation services.
✅ Trip Protection: Compensation for flight delays, lost/damaged luggage, etc.
✅ Personal Liability: Covers damages caused to others due to negligence.

Note: Some high-risk activities (e.g., skiing, diving, mountain climbing) may require additional coverage.

2. Recommended Insurance Plans

OCT partners with leading international insurers to offer these suitable options:

(1) Allianz Jingdong Entry Travel Insurance

Coverage: Accidental death/disability (up to ¥1 million), acute illness treatment, emergency rescue, baggage delay, etc.

Eligibility: Foreign visitors aged 1-75, maximum coverage period: 30 days.

Premium: Starts from ¥45, with optional medical coverage from ¥100,000-500,000.

Special Services: 24/7 global assistance, medical advance payments, coverage for outdoor activities like skiing/hiking.

(2) Ping An "China Travel" Overseas Insurance

Coverage: Accidental medical treatment, emergency outpatient care, trip delays, personal belongings loss, etc.

Eligibility: Short-term tourists and business travelers.

Convenience: Instant online purchase with e-policy issuance.

3. How to Purchase

📌 Online:

  1. Visit OCT's insurance section or partner platforms (e.g., Allianz Jingdong).
  2. Enter passport details, travel dates, and coverage needs.
  3. Pay premium; e-policy will be emailed immediately.

📌 Assisted Purchase:

  • If booking through OCT, our agents can help select suitable plans.

4. Claims Process

Follow these steps if needing to claim:

1️⃣ Report Immediately: Call insurer's 24-hour hotline (listed on policy).
2️⃣ Keep Documents: Medical receipts, police reports (if theft occurs), flight delay proofs, etc.
3️⃣ Submit Materials: Upload via email or insurer's app.
4️⃣ Claim Review: Typically processed within 3-5 business days.

Key Notes:

  •        Use Grade II or above public hospitals in China (private hospitals may not qualify).
  •        Confirm coverage for high-risk activities beforehand to avoid claim rejection.

       

5. FAQs

❓ Q: Does insurance cover COVID-19 medical costs?

✅ A: Some products do—check policy details or consult customer service.

❓ Q: If I already have international travel insurance, do I need additional coverage in China?

✅ A: Verify if your existing policy includes medical treatment and emergency services in China. Top-up plans are available if needed.

❓ Q: Can I cancel my insurance?3

✅ A: Full refund if policy hasn't activated; pro-rata refund after activation (subject to terms).

For assistance, contact OCT:

📧 Email: support@orientchinatravel.com

📞 Hotline: +86-177 1728 5400

Last Updated: April 2023
Orient China Travel (OCT) reserves final interpretation rights