HUATAI PROPERTY INSURANCE CO., LTD.
CORPORATE TRAVEL CARE INSURANCE
MEDICAL TRANSPORTATION AND EXPATRIATION
ARTICLE ONE THE CONSTITUTEION OF THE RIDER
This “Medical Reimbursement Rider” (hereinafter called the “Rider”) is attached to
the “Huatai Property Insurance Co., Ltd.” (hereinafter called the “Basic Policy”).
ARTICLE TWO INSURANCE LIABILITY
While the Rider is in force, if the insured accident occurred, the Insurer shall be liable
for the following insurance liability:
During expatriate corporate travel, the Insured Person sustains accidents, which leads
to the serious injuries or acute serious disease. Where the emergency institute or its
representative (hereinafter called “emergency institute”) confirm that the Insured
Person needs the following rescue services and such services are provided, the Insurer
shall be liable for the services expenses within the respective sum insured limit of this
A. Emergency medical transportation
1. transport the Insured Person to the nearest local hospital with the adequate
medical conditions at the place where the insured accident occurs;
2. Where the emergency institute authorized doctors believe that the conditions
of the insured accident’s occurrence local hospital are not enough to guarantee
that the Insured Person can obtain the efficient and sufficient medical
assistance, the Insured Person shall be transported to the hospital that located
in the other places or nearby countries, with the adequate medical conditions.
The liability of the medical transportation shall be terminated.
3. During the transportation, for the necessity of curing the disease, the
emergency shall assign medical staff to accompany the Insured Person.
4. The transportation method for the Insured Person shall be the most adequate
method at the place of accident occurrence. If using air transportation as the
transit method, generally it should be the normal flight. If the emergency
institute authorized doctor regard to be necessary and the Insurer approves,
the transportation may use the chartered plance or medical aids special
airplane to transport the Insured Person.
B. Emergency medical repatriation
1. Emergency institute authorized doctor believes that the Insured Person’s
injury or situation is stable, the emergency institute shall arrange the Insured
Person to take the normal flight and return to domestic residence. If the
emergency institute authorized doctor believes that it is necessary, the medical
accompanying shall be arranged during the repatriation of the Insured Person.
2. Emergency institute authorized doctor believes that the Insured Person’s
injury or disease permits, the emergency institute shall arrange repatriation
back to the domestic international airport according to the Insured Person’s
designation. If without designation or unable to design the relative destination,
the Insured Person shall be repatriate to his or her domestic international
airport which is closest to his or her daily residence. If the emergency institute
authorized doctor believes that the Insured Person needs to hospitalized for
treatment after returning, the Insured Person shall be sent to the Insured
Person’s designated hospital where the above mentioned international airport
is located. If the Insured Person does not designate or is unable to designate
the hospital, the Insured Person shall be sent to the Insurer designated hospital.
The medical repatriation liability shall terminate.
3. If the emergency institute authorized doctor believes that the Insured Person’s
health condition is good enough to take the normal flight to return, the
Insured Person shall use the original return ticket that was purchased at the
beginning of the corporate travel. If the original returning ticket is void
because of the process of medical aids, the emergency institute shall cover the
expenses of the Insured Person’s returning ticket, while the Insured Person
shall give the original returning ticket to the emergency institute. If the
Insured Person does not have the original returning ticket, the expense of
returning ticket shall be on the Insured Person’s account.
C. All the above mentioned emergency services’ expenses (except for the
Applicant or the Insured Person’s own account) shall be paid to the
emergency institute directly after confirmation. The maximum sum of
expenses shall not exceed the sum insured that is stated in this rider. If the
actual expenses exceed the sum insured in this rider, the exceeding part shall
be paid off by the Applicant or the Insured Person themselves with the
Under this rider, the emergency has the right to determine the method and
destination of returning or repatriation, based on the Insured Person’s health
condition, treatment necessity and the Insured Person’s doctor’s suggestion.
The method of returning or repatriation shall include provide professional
doctors, nurses and necessary transportation tools. The Insurer’s liability shall
be limited to the above medical transportation and repatriation expenses,
including transportation expenses, medical nursing during transportation and
medical equipments and articles. The Insurer shall not guarantee the quality
of services provided by the emergency institute or the third party service
D. The Insurer shall not be liable for any services expenses that are not approved
or arranged by the emergency institute. If under the urgent medical situation,
the Applicant, Insured Person and his or her colleagues are unable to inform
the emergency institute for some reason, the Insurer shall have the rights to
indemnify the actual necessary expenses according to the Applicant’s
insurance plan and the reasonable expenses standard of the emergency that
the emergency institute may provide the services.
ARTICLE THREE LIABILITY EXEMPTION
The Insurer shall not be liable for any expenses shown as follow or any expenses of
medical transportation and repatriating caused directly or indirectly by the following
1. the Applicant, Insured Person or Beneficiary’s intentionally creation of
insured accidents, concealing or cheating behavior;
2. fetus pacification and the childbirth (including caesarean birth, miscarriage
and labor inducement);
3. cosmetic or plastic surgery, orthopedics, unnecessary emergency treatment
4. treatment and restoring of the Insured Person’s congenital disease and the
symptom, hereditary disease, congenital abnormality and flaws;
5. disease, symptom, neurosis, schizophrenia, psychological disease and the
venereal diseases that the Insured Person already have before being insured;
6. According to advices of the Insured Person’s doctor or the doctors authorized
by the emergency institute, when the medical transportation or repatriation is
not necessary, the Insured Person insists to do so;
7. any services that are provided by the third party while the Applicant or the
Insured Person is not liable to pay or any expenses that is included within
this corporate travel;
8. any unapproved transporting and repatriating expenses that are not approved
by the emergency institutes;
9. other liability exemption in the basic contract.
ARTICLE FOUR INSURANCE PERIOD
The insurance period of this rider shall align with the basic contract.
ARTICLE FIVE SUM INSURED AND PREMIUM
A. Sum Insured shall be determined by the Applicant and the Insured. Different
Insured Person’s accident injury may be different. Once determined, the sum
insured can not be changed. The sum insured is the maximum limit of the
Insurer’s Beneficiary indemnity liability.
B. The premium shall be calculated according to the sum insured and the
insurance rate and be specified on the Policy and insurance certificate. The
Applicant shall pay off the premium without installment.
C. When renewal of the Policy, if the Insurer adjust the rate or the Insured
Person’s amount change, the premium shall be recalculated according to the
rate and the actual number of insured persons at the time of renewal
ARTICLE SEVEN DUTY OF THE INSURED PERSON
1. While this rider is in force, the Applicant and the Insured Person shall
immediately call the emergency phone number and get in touch with the
emergency institutes whenever there are the insured accidents occurring and
the Insured Person needs the services of emergency medical transportation or
2. If the emergency institutes agree to pay for the Insured Person’s expenses that
are not within the coverage of this rider, the emergency institutes shall settle it
with the Beneficiary and the Insured Peron’s relatives by themselves.
ARTICLE EIGHT APPLICATION FOR CLAIMS
The insurance in this rider is the emergency aids insurance. For all the accidents the
Insured Person may sustain, the Insured Person shall timely inform the emergency
institute according to article six in this rider and get the services and expenses covered
through the Insurer. The Insurer shall not accept any claims from the parities other
than the emergency institutes.
ARTICLE TEN TERMINATION OF RIDER EFFECTIVENESS
If the basic contract, which this rider is attached to, is terminated, this rider terminates.
The basic contract voids, then this rider voids, too.
ARTICLE ELEVEN MISCELLANIOUS
1. For the reasons that are out of the Insurer or the emergency institutes’ control,
which directly or indirectly lead to the repatriation of the Insured Person’s
remains being delay or unable to implement, the Insurer shall not be liable for
it. The reasons that are out of the Insurer’s control include ( but not limit to)
natural accidents, strikes, flight reason, war, local government’s actions or
international organization’s actions or others beyond human’s control.
2. The Insurer shall arrange the emergency aids according to the authorized
doctors of the emergency institutes and shall have the rights of rejecting any
requests that are not good for the Insured Person’s health conditions and
safety. If the Insurer or the emergency institutes believe that there are
unreasonable expenses according to the coverage of the rider, the Insurer shall
have the rights to control the expenses within the reasonable scope that are
abide with the international formalities.
3. Any emergency assistance and services conducted to the Insured Person shall
abide with the respective international conventions and the laws and
regulations of the respective countries and areas.
4. If the Insured Person is unable to strictly abide the rescue procedure decided
by the Insurer and the emergency institutes, the Insurer shall not be liable for
the indemnity stated in this rider, shall stop the all the rescue procedure and
not pay off any expenses caused by not abiding the emergency institute’s
advices and not under the approval of the emergency institute. If the Insured
Person refuses the rescue procedure proposed by the emergency institutes, the
Insurer shall not be liable for any outcomes.
ARTICLE ELEVEN DEFINITION
refers to the medical institutes that is recognized by the Insurer and set up under
the legislative regulations of the local country and running under the following
1）The primary management purpose is to hospitalizing the sick or wounded
people and supply medical nursing and treatments;
2）Cure the patients under the instructions of one or more doctors, among
which there is at least one legally licensed in-hospital doctor;
3）Sustain sufficient well-maintained equipment for the patient for the
patient’s medical diagnosis and treatment and supply all kinds of operation
equipment within the facility or the operating places;
4）Have the legally licensed nurses to supply and instruct the 24 hours
full-time nursing services.
The hospital in this rider does not refer to the following institutes:
2）Senior citizens' home, sanatorium, drug treatment center and alcohol
3）Health center or natural treatment, convalesce or rehabilitation institute.
Domestically, it refers to the hospital of county level or above.
2. Acute Serious Disease:
refers to the Insured Person sustains the acute disease or have the symptoms for
the first time during corporate travel, while the rider is in force. The Insured
Person is diagnosed by the doctors of the hospital and proved that he or she is not
suitable for original scheduled travel. However, it does not include any disease or
symptom or chronic disease that the Insured Person has already had before the
rider is in force.
3. Congenital Disease:
refers to the disease that the Insured Person was born with (symptom or
appearance). All these diseases are caused by the harmful changes of the
inheritance (including chromosome and gene in it). Or, the mother was influenced
by some physical, chemical or biological factors in the internal or external
environment during the pregnancy, which lead to part of body cells grow
abnormally and the relating organs are abnormal structurally or functionally after
4. Serious Injury:
refers to the injury that is sustained by the Insured Person, diagnosed by the
doctors in the hospital and proved to be crucial for the Insured Person’s life and
unsuitable for the corporate travel.
refers to the professional nursing person that is licensed with the professional
qualification certificate through normal professional nursing education and is
holding a post in the local hospital.
If the undefined terms are not in this rider, the term definition in the basic contract
clause to which this rider is attached shall prevail.
ARTICLE ELEVEN OTHER APPLICATION
The other unspecified items shall be subject to the basic contract. Where there are
conflicts between the basic contract and the rider, the rider shall prevail.