CHINA ACCIDENTAL EMERGENCY MEDICAL INSURANCE POLICY
(只适用于中国广东省境内)
(ONLY APPLICABLE TO GUANGDONG PROVINCE, P.R.C.)
兹根据被保险人填具之要保声明书，并鉴于被保险人已给付保费，特出立本保险单。被保险人同意以该要保书暨声明书作为订立本保险契约的基础并视作本保险的组成部分。
Whereas the Insured by a proposal and declaration which shall be the basis of this Contract and is deemed to be incorporated herein and has applied to China Communications Insurance Co., Ltd. (hereinafter called “China Communications Insurance”) for the insurance hereinafter contained and has paid the Premium as consideration for such insurance.
在本保险单有效期间内，如被保险人在中国广东省境内发生确属本保险单应负责的外来明显意外事故，中国交通保险保险有限公司(以下简称“中国交通保险”)当按照后开保险条款或批文提供保障。
Now this Policy Witnesses that if during the Period of Insurance the Insured shall suffer bodily injury within the territory of Guangdong Province, P.R.C. resulting solely and directly from accident caused by violent external and visible means which shall be directly and independently of any other cause, then China Communications Insurance shall subject to the Terms, Conditions and Exceptions contained herein or endorsed hereon provide the Benefits to the extent specified in the Schedule.
保障项目
COVERAGE
第一节 紧急救治医疗费用
SECTION 1 EMERGENCY MEDICAL EXPENSES
最高保障限额：每宗事故港币260,000圆
Limit of Benefits: HKD260,000 per event
在保险有效期内，若被保险人在中国广东省境内发生确属明显外来意外事故所直接引致之明显身体损伤，而需要紧急救治医疗，在本保险单之最高保障限额之内，中国交通保险将为被保险人支付由法律上合格的医师、医生、謢士及医院因施救所缴收的必要及合理救治费用。
If during the Period of Insurance the Insured shall suffer bodily injury within the territory of Guangdong Province, P.R.C. resulting solely and directly from accident caused by violent external and visible means which shall be directly and independently of any other cause result in emergency medical expenses, then China Communications Insurance will indemnify the Insured against the necessary and reasonable costs of such emergency medical expenses charged by a legally qualified medical practitioner, physician, nurse and/or hospital up to the maximum Limit of Benefits specified in this Policy.
中国交通保险之“广东省意外急救医疗保险卡”(以下简称 “医疗卡”)是由中国卫生部及中国解放军总后勤部卫生部特许认可作为缴付紧急救治医疗费用之方式，通用于中国卫生部、解放军总后勤部卫生部认定之紧急救援网络医院，而被保险人无须预付按金。
“Accidental Emergency Medical Card” issued by China Communications Insurance (hereinafter called “our medical card”) is recognized and approved by The Ministry of Health P.R. China and The Bureau of Medical Administration Health Department of the General Logistics Department People’s Liberation Army of China. Our medical card will be accepted by MOH International Assistance Net-work Hospitals and the hospital network of The Bureau of Medical Administration Health Department of the General Logistics Department People’s Liberation Army of China as a means of payment for providing necessary emergency medical treatments to the Insured without requiring any deposit payment.但被保险人仍需自行负责支付超出本保险单之最高保障限额之医疗费用给予施救者。
Nevertheless the Insured shall be responsible for paying medical expenses exceeding the maximum Limit of Benefits to the medical providers directly.
索偿程序 只适用于第一节
CLAIM PROCEDURES APPLY TO SECTION 1 ONLY
使用中国交通保险之医疗卡
Using Medical Card Issued by China Communications Insurance
遇有事故，被保险人只须依从下列事项索偿即可：
In case of an accident, the Insured shall:
1.1 向中国卫生部、解放军总后勤部卫生部认定之紧急救援网络医院出示医疗卡, 即可获得救治；及此后
1.1 present our medical card to MOH International Assistance Net-work Hospitals and the hospital network of The Bureau of Medical Administration Health Department of the General Logistics Department People’s Liberation Army of China for immediate treatment, and thereafter
1.2 填妥索偿表；及
1.2 complete the claim form and;
1.3 提供是次意外之证明或说明。
1.3 provide evidence or report of the alleged accident.
中国交通保险审核由施救医院/医疗单位直接交予之索偿等文件后,以转帐方式向有关医疗单位支付该医疗费用。
China Communications Insurance will verify the claim documentation submitted from the hospital/clinic concerned and reimburse the medical expenses to them directly.
不使用中国交通保险之医疗卡<}94{>Not Using Our Medical card
若被保险人不使用中国交通保险之医疗卡作为缴付紧急救治医疗费用之方式,可直接将以下文件递交中国交通保险索赔:
In the event of the Insured paying the emergency medical expenses without using our medical card, the Insured can submit the following claims documentation to China Communications Insurance directly:
2.1 被保险人填妥之索偿表。
2.1 The claim form completed by the Insured.
2.2 主诊医生之诊断书正本详细列明损伤之程度及原因、诊断结果及所提供之医疗方法。
2.2 Original Medical Certificate issued by the attending doctor stating the nature and extent of injuries, diagnosis and what kind of treatments were provided.
2.3 所有由医院／医疗单位发出之医疗单据正本(包括所有费用的明细)。
2.3 All original bills/receipts issued by the hospital/clinic concerned with detail breakdown of costs /expenses.
2.4 负责是次意外之政府有关部门报告正本或说明。
2.4 Original report issued by the official authorities concerned or evidence of the alleged accident.
损失通知
Notification of Loss
被保险人必须遵守以下损失通知事项，否则中国交通保险有权不接受索偿：
The Insured must comply with the following requirements, otherwise the claim may be denied for settlement:
若需要留院治疗，被保险人必需尽快或在入院后二十四小时内致电中国交通保险之二十四小时紧急支持服务热线；
In case of hospitalization, the Insured is required to notify China Communications Insurance within 24 hours after admission to hospital or as soon as practicable by calling the designated 24 hours Emergency Assistance Hotline;
若是接受门诊治疗，被保险人必须在接受门诊治疗后三十天内，以书面通知中国交通保险有关意外事故。
For Clinical Visit, a written notice of Claim must be given by the Insured to China Communications Insurance as soon as practicable after the occurrence of an accident giving rise to a claim and in any case within 30 days after clinical visit.
第二节 紧急支持服务
SECTION 2 EMERGENCY ASSISTANCE SERVICES
在保险有效期内，若被保险人在中国广东省境内发生确属意外事故所直接引致之明显身体损伤， 而需要紧急支持服务，被保险人可致电二十四小时紧急服务热线，中国交通保险特约之服务机构国际救援(亚洲)公司(以下简称“I.P.A.”)将提供下列之服务。
If during the Period of Insurance the Insured shall suffer bodily injury within the territory of Guangdong Province, P.R.C. resulting solely and directly from accident caused by violent external and visible means, the following emergency assistance services shall be arranged and provided directly by China Communications Insurance’s appointed agent, Inter Partner Assistance Hong Kong Limited (hereinafter called “I.P.A.”) upon notification by the Insured to the designated 24 hours emergency assistance services hotline.
2.1 转院服务
Medical Evacuation
每宗事故最高保障限额：不设上限
Limit of Benefits per event: Unlimited
当被保险人因遭意外损伤住院医疗时， 基于医疗上之需要， I.P.A. 将为被保险人作下列之安排及直接负责有关费用：
If the Insured shall suffer bodily injury such that I.P.A.’s medical team and the attending physician recommend hospitalization, I.P.A. will arrange and pay for: the transfer of the Insured into one of the nearest hospital and, - if necessary, on medical grounds
(1) 在医护人员监护下使用各种必需之医疗运送设备，例如空中救难专机、定期班机及救护车等转送被保险人至适合治疗其意外伤害之医院；或
(1) the transfer of the Insured with necessary medical supervision by any means (including but not limited to air ambulance, schedule commercial flight, and road ambulance) to a hospital more appropriately equipped for the particular bodily injury, or
(2) 在医护人员监护下经由救护车及定期班机直接转送至适当医院／医疗机构。
(2) the direct repatriation, including road ambulance transfers to and from the airports, of the Insured with necessary medical supervision by scheduled airline to an appropriate hospital or other health care facility, if his medical condition permits such repatriation.唯此项运送安排必须经由 I.P.A. 的医疗小组及主诊医生共同决定。
I.P.A.’s medical team and the attending physician will determine the necessary arrangements according to the circumstances.
出院后返香港
Repatriation To Hong Kong After Treatment
每宗事故最高保障限额：不设上限<}100{>Limit of Benefits per event: Unlimited
被保险人在接受第2.1条承保项目就医后，如身体状况稳定且经主诊医生及 I.P.A. 医疗小组认定可以返回香港时，I.P.A. 将安排被保险人乘搭定期班机返回香港。若被保险人持有回程机票，但因意外事故后不能使用时，被保险人应将原有机票交给 I.P.A. 人员处理，并由 I.P.A.安排机票或其它适当之交通工具返港，I.P.A. 将负担其费用，但此项返港机票以经济客位为限。被保险人若因医疗上的理由需要使用辅助设备(例如轮椅)，I.P.A.将为被保险人安排及负责其费用。
Upon the discharge of the Insured from the local hospital where such Insured has been admitted or transferred as provided in Section 2.1 above, I.P.A. will arrange and pay for the repatriation of the Insured to Hong Kong by schedule airline flight (on economy class) or any other appropriate means of transportation, including any supplementary cost of transportation to and from the airport, if his original ticket is not valid for the purpose, provided that the Insured shall surrender any unused portion of his ticket to I.P.A. If, on medical ground, the Insured needs any supplemental equipment (e.g. wheelchair), I.P.A. will arrange and pay for the supplemental equipment.唯此项出院后返香港之服务必须经由I.P.A.的医疗小组及主诊医生共同决定。<}74{>Any decision on the repatriation of the Insured shall be made jointly and exclusively by both attending physician & I.P.A.’s medical team.
遗体或骨灰送返香港
Repatriation Of Mortal Remains/Ashes To Hong Kong
每宗事故最高保障限额：不设上限
Limit of Benefits per event: Unlimited
倘若被保险人在意外事故中身亡，I.P.A. 将安排一切所需(包括任何迎合当地手续上的安排)，并予支付 (i) 遗体或骨灰送返香港安葬，或 (ii) 应被保险人之继承人或其合法代表人要求，进行当地安葬；但当地安葬之费用只限相等于与遗体或骨灰送返香港之费用。
Upon the death of the Insured after an accident, I.P.A. will and make all the necessary arrangements (including any steps or arrangements necessary to meet local formalities) and pay for (i) the repatriation of the Insured’s mortal remains or ashes to Hong Kong, or (ii) at the request of the Insured’s heirs or legal representative, the local burial of the Insured, provided that the I.P.A.’s financial responsibility for such local burial shall be limited to the equivalent of the cost of repatriation of mortal remains as provided in this benefit.
安排亲友探望
Compassionate Visit
当被保险人因意外受伤而需要连续住院七天以上时，I.P.A. 将安排一位被保险人在香港的家属或其它所指定之友人，搭乘定期班机前往医院探视，并由I.P.A. 负担其两张来回机票及住宿费用； 但机票费用以经济舱票价为限；住宿费用每天港币1,200圆；最多连续支付七天，且并不包括饮料、膳食及其它房间服务。
In the event of the Insured suffering from serious Bodily Injury resulting in hospital confinement for more than 7 (seven) consecutive days, I.P.A. will arrange and pay for the cost of two Return Scheduled Airline (on economy fare basis) for a relative or designated person of the Insured to travel from Hong Kong to the Insured’s bedside, including the cost of an ordinary room accommodation in any reasonable hotel up to HKD1,200.00 per day for a maximum period of 7 (seven) consecutive days, but excluding the cost of drinks, meals and other room services.
安排幼童返香港(年龄为十六岁以下)
Return of Unattended Dependent Child(ren) to Hong Kong(Age below 16)
被保险人因意外伤害需要入院治疗，而致其随行未满十六岁之幼童乏人照顾者，I.P.A. 将安排其未满十六岁之幼童搭乘定期班机(包括往返机场之交通工具)返香港，I.P.A. 并负担所须费用；但机票费用以经济舱票为限。
If any of the Insured’s travelling dependent child(ren) under 16 years of age is left unattended by reason of the Insured’s Bodily Injury resulting in hospital confinement, I.P.A. will organize and pay for the cost of a schedule airline ticket (on economy fare basis),若被保险人未满十六岁之幼童持有回程机票，因意外事故后不能使用时，被保险人必须将原有机票交给I.P.A. 人员处理。
for such child(ren) to return to Hong Kong, including any supplementary cost of transportation to and from the airport, if the original ticket is not valid for the return, provided that the Insured shall surrender any unused portion of the return ticket to I.P.A.必要时，I_.P.A.将聘雇适当人员随行照顾被保险人之未满十六岁之幼童返香港，并负担该项聘雇费用。
If necessary, I.P.A. will also hire and pay for a qualified attendant to accompany any such dependent child(ren) for return journey to Hong Kong.
入院医疗费用担保
Hospital Admission Deposit Guarantee
最高担保额：港币65,000圆
Maximum Deposit Guarantee: HKD65,000.00
如被保险人因意外受伤，并经主诊医生及 I.P.A.医疗小组共同认许需要入院治疗，而被保险人当时未能支付入院按金及有关之医疗费用，I.P.A.可代被保险人担保及垫支住院医疗费用，最高担保额为港币65,000圆。
In case of hospital admission due to an accident for emergency medical treatment duly approved by both the attending physician and I.P.A.’s alarm centre doctor and the Insured is without means of payment of the required hospital admission deposit, I.P.A. on behalf of the Insured guarantee or provide such payment up to HKD65,000.00.但被保险人或其代表人必须依照 I.P.A.之要求及同意负责承担在I.P.A. 垫支后三十天内退还有关医疗费用给中国交通保险。
The costs of this benefit and the advanced sum should be undertaken by the Insured or his legal representative subject to I.P.A.’s requirements and reimbursed by the Insured to China Communications Insurance within 30 days from the date I.P.A. provides the service.
条款 只适用于第二节
CONDITIONS APPLY TO SECTION 2 ONLY
所有紧急支持服务必须直接经由中国交通保险特约之服务机构 I.P.A. 安排及提供有关服务。
All emergency assistance services must be arranged and provided by China Communications Insurance’s appointed agent I.P.A.
否则中国交通保险将不负担或发还任何未经中国交通保险／I.P.A._预先批准的费用予任何人仕或机构。
China Communications Insurance will not pay or reimburse any costs of emergency assistance provided or incurred by any other parties without the prior approval from China Communications Insurance
第三节 人身意外保障
SECTION 3 PERSONAL ACCIDENT
保障限额：列明于承保表内
Limit of Benefits: As stated in Policy Schedule
在本保险单有效期间内，若被保险人中国广东省境内发生确属意外事故所致之明显身体损伤或身故，中国交通保险当按照后开保险条或批文及赔偿责任的规定，依照本保险单内所载赔偿金额表所规定的金额赔偿给被保险人或其指定的受益人。
If during the Period of Insurance the Insured shall suffer bodily injury within the territory of Guangdong Province, P.R.C. resulting solely and directly from accident caused by violent external and visible means which shall be directly and independently of any other cause, then China Communications Insurance will subject to the Terms and Conditions contained herein or endorsed hereon pay to the Insured, or in the event of the death of the Insured to his appointed Beneficiary, the benefits specified in the Schedule of Benefits.
赔偿金额表
The Schedule of Benefits
身故(失踪不能作为意外身故，但因乘坐飞机或船只失事而致完全灭失的不在此限)
Death (Accidental death shall not be in any way be presumed by reason of disappearance of the Insured except in the event of the total loss by wreck of the ship or aeroplane on which the Insured was travelling.
列明于承保表内
As stated in Policy Schedule
全身瘫痪(必须终身卧床或永久性丧失工作能力)
Total Paralysis (resulting in being permanently bedridden or permanent disablement from engaging in or giving attention to profession or occupation)
规约：本表内赔款按下列规约办理:
PROVISOES:
在保险有效期内，不论发生一次或多次赔偿，中国交通保险最高赔偿责任，以不超过保险金额为限。
The total liability of the Company in respect of any claim or claims accumulated shall not exceed the total amount insured.
表列第一项，身故必须在意外事故发生之日起12个月内造成者。
Under Item 1, Death must occur within 12 calendar months from the date of accident.
保户不得因遭受一次意外，而获得表列一项以上的赔款金额。
The Insured shall not be entitled to have compensation under more than one of the Items in the Schedule of Basic Benefits in respect of any one accident.
索偿手续
Claims Procedures
被保险人在保险有效期间，内发生意外伤害，须在十五天内或尽快以书面通知本公司，被保险人如意外身故，其受益人须尽快以书通知本公司。
Upon the happening of any accident during the Period of Insurance likely to give rise to a claim under this policy, the Insured shall give written notice to the Company within 15 days or as soon as practicable after the happening of such accident. In the event of the death of the Insured prompt notice shall be given to the Company by his beneficiary.被保险人或其受益人必须履行此一规定，才有索赔权利。
No claim shall be payable unless the provisions of this Article are fulfilled by the Insured or his beneficiary.
被保险人或其受益人索赔时，须向本公司提供足以证明意外伤残或身故之证据，该项提供证据之费用由被保险人(或其受益人)自己负担。
In the event of claim being made or arising from this Policy the Insured or his beneficiary shall furnish the Company with all certificates, information and evidence required by the Company at the expense of the Claimant.
一般不保事项 适用于各节
GENERAL EXCEPTIONS APPLY TO ALL SECTIONS
凡直接或间接由于下列任何原因所引致受伤或死亡，皆不在本保单之承保范围以内，本保险单概不负责：
This policy does not cover any bodily injury or death directly or indirectly resulting from or consequent upon:
战争、侵略、外国敌意行为(不论宣战与否)、内战、叛变、暴动、军事力量或政变、罢工，或由于核子武器，核子游离幅射，核子燃料或其燃烧后产生的废料所致幅射能的沾染。
War, invasion act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, insurrection, military force or coup, strikes, riots or caused by or arising from ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.上述核子燃烧包括自发的核子分裂在内。
For the purpose of this exception combustion shall include any self-sustaining process of nuclear fission.
被保险人自愿招惹不必要之危险(欲拯救他人之生命者除外)、自杀、自加伤害，或因触犯刑章的不法行为。
The Insured Person willfully exposing himself to needless peril (except in an attempt to save human life) or the Insured Person committing or attempting to commit suicide or self-injury or any criminal or felonious act.
参与专业运动，打猎、攀山(指需要利用绳索或诱导绳为辅助工作者)、滑雪、滑水、冬季运动、潜水、参加各种竞赛、殴斗、神经错乱，或因酗酒，吸毒或滥用药物。
The Insured Person engaging in professional sports, hunting, mountaineering necessitating ropes or guides, skiing, water skiing, winter sports, diving, racing of any kind or fighting or insanity or being under influence of drugs, alcohol , intoxication and solvent abuse.
被保险人因本身存在的缺陷或病症，而此缺陷或病症在保单有效前已存在。
The Insured Person suffering from any pre-existing physical defect or infirmity which existed prior to inception of this policy.
被保险人从事高空中飞行工作(以旅客身份乘搭由航空公司或注册商业公司拥有和控制的注册航班机除外)。
The Insured Person engaging in air travel, except 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 concern.
中国广东省范围以外之医疗费用及紧急支持服务。
All medical expenses and emergency assistance services incurred outside the territory of Guangdong Province, P.R.C.
疾病、传染病或非因意外事故而引致的受伤或死亡。
Illness, infectious disease or any bodily injury or death which is not caused solely and directly by violent accidental external and visible means.
怀孕、分娩、难产或堕胎或在进行任何内、科治疗手术而致的受伤或死亡。
Pregnancy, childbirth, dystocia, abortion or by any medical or surgical treatment causing bodily injury or death.
从事军警工作而当执行职务时所致的伤残或身故。
In case of the Insured engaging service in the forces or police.
遭遇谋害。
The Insured Person suffering injury by encountering murder.(只限于第三节之人身意外保障)<}76{>(Applicable to Personal Accident under Section 3 only)
因语言上之障碍而对提供紧急救援引致延误。
Any delay in providing emergency assistance caused by language barrier.
.
恐怖袭击活动所致的伤残或身故。
TERRORISM EXCLUSION CLAUSE
Notwithstanding any provision to the contrary within this insurance or any endorsement thereto, it is agreed that this insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss.
For the purpose of this exclusion an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.
This exclusion also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism.
If the Company alleges that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance the burden of proving the contrary shall be upon the Insured.
In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect.
基本条款 适用于各节
GENERAL CONDITIONS APPLY TO ALL SECTIONS
本保险单及承保表内之记载应视为同一契约，不论单内或表内的任何部份之字句或措辞，其显示有特定之含义者，则均应以该项特定含义为准。
This Policy and the Schedule shall be read together as one contract and any word or expression to which a specific meaning has been attached in any part of this Policy or of the Schedule shall bear such specific meaning wherever it may appear.
被保险人所签署的要保书，是中国交通保险签保险单的根据，也是本保险单的组成部份。
The written application which the Insured has made and declared being the basis of issuing this policy must be true and correct.因此，被保险人须确实填报，如有虚报或提供伪证等情况，本保险单即行失效。
If any claim made shall be fraudulent or exaggerated or if any false declaration or statement shall be made in support thereof, then this Policy shall be void.
讼裁
Arbitration
所有由于本保险单所引起的争议，应提交一位仲裁人裁决，该仲裁人由争议双方以书面委任。
All differences arising out of this Policy shall be referred to the decision of an Arbitrator to be appointed in writing by the parties in difference如双方对该一被选之仲裁人不能同意时，则每方可于对方书面请求一个月内各委任一人为仲裁人决定之。
or if they cannot agree upon a single Arbitrator to the decision of two Arbitrators one to be appointed in writing by each of the parties within one calendar month after having been required in writing so to do by either of the parties如果该两位仲裁人不能取得一致意见，则应于仲裁未开始前由该两位仲裁人以书面委任一位公断人参与公断程序，并担任公断时之主席，作出公断。
or in case the Arbitrators do not agree of an Umpire appointed in writing by the Arbitrators before entering upon the reference. The Umpire shall sit with the Arbitrators and preside at their meetings .在公断人未作出公断书之前，被保险人不得对中国交通保险进行起诉。
and the making of an Award shall be a condition precedent to any right of action against China Communications Insurance 如中国交通保险拒绝被保险人的任何赔偿要求，而被保险人在被拒绝后的十二个月内不根据本条款规定提交仲裁，则作为放弃索赔要求论。此后将不再获得赔偿。
If China Communications Insurance shall disclaim liability to the Insured for any claim hereunder and such claim shall not within twelve calendar months from the date of such disclaim have been referred to arbitration under the provisions herein contained, then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder.
危险减轻义务
Mitigation
被保险人应尽其最大努力减轻急难状况之影响。
Insured shall be obliged to use reasonable efforts to mitigate the effects of an emergency.
时限
Time Limitation
任何向中国交通保险索偿诉讼之行动，应于意外事故发生后一年内提出。否则将丧失所有索偿及诉讼之权利。
Every action or proceeding against China Communications Insurance for the recovery of any claim under or by the virtue of this contract is absolutely barred unless commenced within one year after the accident occurs.
权利转让
Subrogation
中国交通保险有权以被保险人之名义向其它个人或团体追讨中国交通保险所支付之任何赔偿，而被保险人应协助及提交有关之文件给与中国交通保险以便索偿。
In the event that any payment is made under this Policy in respect of any claim, China Communications Insurance shall be subrogated to all the Insured Person's rights of recovery and therefore against any person or organization and the Insured Person shall execute and deliver instruments and papers and do whatever else is necessary to secure such rights.被保险人同意不会影响或妨碍中国交通保险追讨权利。
The Insured shall agree not to prejudice such rights.
被保险人有权以书面形式通知本保险公司取消此保险单，并需退还医疗卡正本，其未到期保险费将按下列方式计算退回被保险人：
The Insured may cancel this insurance by sending written notification to the Company together with Original Medical Card, the balance of premium for the unexpired period of Insurance will be made subject to the following conditions :
(i) 如保险期为一年，保单一经签发则没有保费退还予被保险人。
(i) For one-year contract, no refund of premium will be made once the insurance policy is issued.
(ii) 如保险期为两年，被保险人于起保日起计算十二个月内要求取消此保险单，保险单将作为一年期保险单收费计算，其余未到期的保险费将退还予被保险人；如被保险人于起保日计算十二个月后要求取消此保险单，则没有保险费退还予被保险人。
(ii) For two-year contract, if the Insured cancels the insurance within 12 months from the commencement date of this Policy, the Company will treat this insurance as one-year contract, and charge the full premium, the balance of premium for the unexpired period of the insurance will be refund. If the insured cancels this Policy after 12 months from the commencement date of this insurance, no refund of premium will be made.
如保险期为三年，被保险人于起保日起计算十二个月内要求取消此保险单，或于起保日计算第十三个月至二十四个月内要求取消此保险单，本保险公司将分别以一年期保险费或两年期保险单收费计算，其余未到期的保险费将退还予被保险人；如被保险人于起保日计算第二十四个月后要求取消，则没有保险费退还予被保险人。
(iii) For three-year contract, if the Insured cancels this insurance within 12 months or after 12 months but within 24 months from the commencement date of this Policy, the company will treat this Policy as one-year contract or two-year contract respectively and charge the corresponding full one-year or two-year premium, the balance of premium for the unexpired period of the insurance will be refunded. If the Insured cancels this insurance after 24 months from the commencement of this Policy, no refund of premium will be made.
如被保险人于发卡后宣称遗失医疗卡或要求更改有关内容，被保险人应立即以书面通知本保险公司有关事项，并需缴付港币200元手续费，以便本保险公司印发新医疗卡予被保险人。
If the Insured declares that the Medical Card has been lost or requests to alter any information after issuance of this card, a replacement Medical Card will be issued upon receiving the written notification to the company together with a replacement fee of HK$200 from the Insured.
本保单遵从香港之司法管辖权。
This insurance is subject to Hong Kong Jurisdiction.
注意 ：
Remarks ： 中文译本只供参考。
The Chinese version is for reference only.若保险单的中文及英文译本有差异而引致争议，当以英文译本为准。
Should the Chinese and English version of this Policy has different interpretation giving rise to a dispute, the English version shall prevail.
授权签署
Authorized Signature
人身意外保障(意外身故或全身瘫残)
Personal Accident (Accidental Death or Total Paralysis
中国交通保险有限公司
CHINA COMMUNICATIONS INSURANCE CO., LTD.
