• 为了保障您自身的权益，请在确认投保本保险前，仔细阅读理解保险合同的各项规定，尤其是免除保险人责任的规定。保险条款可通过保险公司业务人员获得或登陆保险公司网站http://www.aig.com.cn查阅。请在投保之前致电：4008208858或向保险公司业务人员询问保险合同各项规定，并听取保险公司业务人员的说明。请确保您对保险公司业务人员的说明完全理解，没有异议。如未询问，则视同已经对合同内容完全理解并无异议。 In order to protect your own interests, please read carefully the terms and conditions of this Policy, especially those terms and conditions excluding or limiting the liability of the Company under the Policy. The policy wording is available from our salespersons or on our website: http://www.aig.com.cn/. Please call our service hotline 4008208858 or contact our salespersons to enquire the terms and conditions of this Policy. Please make sure that you fully understand the explanations of our salespersons. With no enquiry, you are deemed to have fully understood the terms and conditions of this Policy.
• 本投保单/投保申请、保险条款、保险单、批单或批注（如有）及其它约定书（如有）均为保险合同的构成部分。 This application form, policy wording, Schedule, any endorsement attached hereto or marked thereon (if any) and any other written agreement (if any) shall form integrated parts of this Policy.
• 美亚财产保险有限公司综合偿付能力充足率达到监管要求，且风险综合评级提示操作、战略、声誉和流动风险较小，具体偿付能力指标和风险综合评级结果请查询公司官方网站www.aig.com.cn。 The combined solvency adequacy ratio of AIG Insurance Company China Limited (the Company) has met the requirement of CIRC, and the Integrated Risk Rating indicates that the operational risk, strategic risk and liquidity risk are relatively low. For the detail solvency indices and the results of Integrated Risk Rating, please refer to our official website www.aig.com.cn.
• 本保险承保保险公司：美亚财产保险有限公司。目前分支机构分布：上海、北京、广东、深圳、浙江、江苏。本产品通过代理人销售，由美亚财产保险有限公司广东/深圳/北京/上海/江苏/浙江分公司承保。
• 。

• 本保险所述的滑雪活动是指旅行期间内经有资质的旅行目的地旅游经营者或活动提供方在室外滑雪场所提供的，对普通大众参加不予限制（所述限制不包括身高、通常的健康或体能要求的警告）的滑雪活动，前提条件是该滑雪活动必须遵循旅游经营者或活动提供方合格向导或教练的督导和指导。 The skiing activities described in this insurance refers to those provided by qualified tourism operators or activity providers at an outdoor ski resort during the travel period with no restrictions on the participation of the general public (the restrictions do not include warnings about height, general health or fitness requirements), provided that the skiing activity is under the supervision and direction of a qualified guide or instructor of the tour operator or activity provider.
• 本保险承保被保险人在旅行期间因第三方盗窃、抢劫、企图盗窃行为或者因承运人或任何其他服务供应商的责任导致随身财产发生的损失或受到的意外损坏，以及在旅行期间进行滑雪过程中因意外受伤导致其随身携带的滑雪装备或便携式滑雪电子摄影设备发生的损坏或遗失。 This insurance covers the loss of or accidental damage to the insured's personal belongings during the trip due to theft, robbery, attempted theft or the responsibility of the carrier or any other service provider, and the loss of or accidental damage to the ski equipment or portable ski electronic photography equipment that is caused by accidental injury during skiing.
• 本保险所述的滑雪装备是指旅行期间内用于滑雪活动的滑雪板、滑雪鞋、滑雪鞋固定器、雪杖、盔形帽、头套、有色镜、防风镜、防寒衣、手套。 The ski equipment described in this insurance refers to skis skis, ski boots, ski boot bindings, ski poles, helmets, ski hood, ski glasses/goggle windshields, ski jacket, gloves, which used for skiing activities during the trip.
• 本保险所述的便携式滑雪电子摄影设备是指旅行期间内用于滑雪活动的手机和便携式运动相机或摄像机。便携式运动相机或摄像机包含手持或可穿戴的运动相机或摄像机，不包含无人机。 The portable ski electronic photography equipment described in this insurance refers to smartphone and portable sport&action video camera used for skiing during the trip. The portable sport action video camera includes handheld or wearable action cameras or video cameras but no drones.
• 本保险所述的旅行预付费用是指被保险人为其预定旅行已支付的或根据相关合同已同意支付的交通费用、住宿费用以及向具有合格经营资质的滑雪活动组织方预订滑雪活动的费用，且前述各项费用无法从其它地方获得退还或补偿。 The travel prepaid expenses covered by this insurance refer to the transportation expenses, accommodation expenses or skiing activities expenses charged by a qualified skiing operator that the insured has paid for or agreed to be paid under the relevant contract for their scheduled travel which cannot be refunded or compensated elsewhere

• 本保险不承保任何直接或间接由于计划或实际前往或途经古巴、伊朗、叙利亚、朝鲜、克里米亚、顿涅茨克和卢甘斯克，或在上述国家或地区旅行期间发生的保险事故。本保险目前不接受以乌克兰、俄罗斯和白俄罗斯为旅行目的地或途经地的投保申请。 This policy will not cover any loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Cuba, Iran, Syria, North Korea or the Crimea, Donetsk People’s Republic (DNR), or Luhansk People’s Republic (LNR) regions of Ukraine.The policy does not accept any travel insurance applications for travel to, from or within Ukraine, Russia and Belarus until further notice.
• 本保险不承保任何国家或国际组织认定的恐怖分子或恐怖组织成员，或非法从事毒品、核武器、生物或化学武器交易人员。 This policy will not cover any terrorist or member of a terrorist organization, narcotics trafficker, or illegal purveyor of nuclear, chemical or biological weapons defined by any country or international organization.
• 本保险仅承保在境内常住的被保险人，不承保非在境内常住的任何人。本合同所称的境内常住是指投保时的前一个自然年度内在境内的居住时间累计达到或超过183天。 This policy offers coverage only to individuals ordinarily resident within the territory and is null and void as to non-residents within the territory. Any insured shall live within the territory reached or exceeded 183 days in the previous calendar year at the time of applying this policy.
• 本保险不承保在投保本保障计划时已置身于境外的被保险人。 This policy will not cover the insured person be outside of territory before this insurance is purchased.
• 投保人须在首次旅行出发前投保并交付保险费以保证保险及时起保。本保险的保险期间以北京时间为准，请务必投保全程并注意避免时区不同可能导致的日期计算错误。 Policyholder must make full payment of premium to effect the policy before departure of the first journey. The policy period is subject to Beijing time. For journeys across time zones, please make sure the whole journey is covered.
• 本保险的投保年龄为3-65周岁。 The insured person shall be at age 3-65 years old.
• 因任何原因而取消或改变旅行计划，必须在保险合同生效前以书面形式通知到本保险公司，否则本保险公司将不予受理。 Any cancellation or change of the insured travel need to be notified to the insurance company in writing before policy becomes effective, or the insurance company will not handle the change request.
• 若被保险人为同一旅行自愿投保由本保险公司承保的多种综合保险（不包括团体保险），且在不同保障产品中有相同保险利益的，则本保险公司仅按其中保险金额最高者做出赔偿，并退还其它保险项下已收取的相应保险利益的保险费。 If the insured person applies and owns several policies (excluding group policies) issued by the Company for the same travel, the Company will only pay beneficiary same benefit once under the policy which offers highest benefit amount and return corresponding premium for the benefits in other policies.
• 若被保险人没有公费医疗、社会基本医疗保险、其他费用补偿型医疗保险或被保险人未从公费医疗、社会基本医疗保险、其他费用补偿型医疗保险取得医药费用补偿，则本保险公司在“境内旅行的疾病医药补偿”项下承担的保险责任以其上述所载的相应保险金额为限。若被保险人拥有且从公费医疗、社会基本医疗保险或其他费用补偿型医疗保险取得医药费用补偿，则本保险公司在“境内旅行的疾病医药补偿”项下承担的保险责任以其上述所载的相应保险金额的百分之一百零五为限。 If the Insured Person has received or is entitled to receive no medical expense reimbursement from social medical insurance, other expenses reimbursement medical insurance, or social welfare organizations, the Company shall reimburse the Insured Person up to the limit of Sickness Medical Reimbursement for Domestic Travel as stated in the Schedule. If the Insured Person has received or is entitled to receive any medical expenses reimbursement from social medical insurance, other expenses reimbursement medical insurance, or social welfare organizations, such reimbursement shall be up to 105% of the limit of Sickness Medical Reimbursement for Domestic Travel as stated in the Schedule.
• 本保险所称的境内，仅指中国大陆地区，不包括台湾省、香港及澳门特别行政区。 Within The Territory shall mean Mainland China excluding Hong Kong and Macau Special Administrative Regions, and Taiwan province.
• 保险合同项下应付保险费含适用的增值税。 The premium payable under this policy is inclusive of any Value Added Tax (VAT) that applies.
• 特别声明：自2020年1月25日零点之后投保美亚保险旅行险的，新型冠状病毒感染疫情为已知风险。根据美亚保险旅行险项下旅行延误、旅行变更（取消或缩短）、旅行取消和旅行缩短四种附加保障对应保险合同条款的约定，该已知风险属于责任免除，对于由该已知风险导致的前述附加保障合同项下的保险事故，美亚保险不承担任何保险责任。 Special declaration: For any travel insurance policy purchased after 12 a.m. on January 25, 2020, 2019-nCoV (also known as “COVID-19”) shall constitute a known risk. Pursuant to the policy wordings applicable to Travel Delay, Travel Disruption (cancellation or curtailment), Travel Cancellation and Travel Curtailment, any such known risk is excluded. Therefore, coverage for COVID-19 will not be provided under those four policy benefits.

• 本人兹申请美亚财产保险有限公司（以下简称“美亚保险”）的上述旅行保障计划，并声明以上陈述及各项细节均真实无讹，且没有隐瞒任何重大事实以影响美亚保险评估风险或接受本投保申请。 I/We hereby apply for AIG International JourneySafe Travel Protection Plan and declare that the statements and information given in this application are, to the best of our knowledge and belief, true and complete and that this application will form part of the basis of the Policy with AIG Insurance Company China Limited (the Company or AIG).
• 本人确认：本人已经认真阅读保险合同规定，尤其是免除保险人责任的规定，并对美亚保险就保险合同的内容说明和提示完全理解，没有异议，申请投保。本人知晓所有保险责任均以本保险合同所载为准。 I/We acknowledge that before applying for the insurance, I have read carefully the terms and conditions of this Policy, especially those terms and conditions excluding or limiting the liability of the Company under the Policy, and fully understand explanation and reminder. I/We understand that all insurance coverage is subject to the terms and conditions of this Policy.
• 本人同意本投保单/投保申请将会构成投保人与美亚保险所签署的保险合同的依据，若未能披露与本保险相关之重大事实将可能导致美亚保险不承担任何保险责任。保险合同生效日期以保险单所载生效日期为准，美亚保险承担保险责任须以投保人缴付约定保险费并经美亚保险同意承保为前提。 I/We understand and agree that this application form shall be the basis of insurance policy between Policyholder and the Company, and the Company may not be liable for any benefit if there’s failure to disclose any significant truth related to the insurance. The insurance policy effective date is subjected to the effective date stated on policy schedule, and the Company is liable for insurance benefits subject to full premium collection and the approval of the Company.
• 本人确认并同意，在订立保险合同过程中如未如实填写投保申请或未如实告知被保险人的有关情况（包括但不限于投保条件的确认），应视为本人故意未依法履行如实告知义务，由此可能导致该投保无效或美亚保险不承担保险责任。 I/we confirm and agree that if I/we fail to truthfully fill in this application or fail to truthfully inform the insurers ‘relevant information (including but not limited to the confirmation of the conditions for insurance) during the process of concluding the insurance contract, it shall be deemed that I/we deliberately failed to fulfill the obligation of truthful disclosure in accordance with the law , which may lead to the invalidation of this insurance policy or the Company may not be liable for any benefit.
• 本人现获悉及保证：被保险人绝不会违反医生的劝告及旅行目的不在于治疗疾病，被保险人现在身体健康并无任何不适宜旅行的精神状态或身体状况，且对任何可能导致旅行取消或中断的状况并不知晓。 I/We hereby acknowledge and warrant that the Insured Person(s) shall not travel contrary to the advice of any medical practitioner or in order to obtain medical treatment, is physically and mentally fit to travel; do not know of any condition, cause or circumstance existing that may necessitate the cancellation or curtailment of the journey.
• 本人明白并同意：任何年龄在18周岁以下的被保险人，在所有商业保险公司投保或参保以死亡为给付保险金条件人身保险的死亡给付保险金额总和、其死亡时各商业保险公司实际给付的保险金总和应按中国保险监管机构所规定的限额执行（即不满10周岁的，不得超过人民币20万元；已满10周岁但未满18周岁的，不得超过人民币50万元）；对于18周岁以下的被保险人，其在保险合同项下约定的意外身故保险金应按中国保险监管机构规定限额减去该被保险人在其他保险公司已获死亡给付金额后的差额与其在保险合同项下保险单所载意外身故保险金额中较低者进行给付，美亚保险将按其在保险合同项下实际获赔的意外身故保险金退还相应比例的保险费。 I/We hereby understand and agree that for any insured person under the age of 18, the sum of the death benefit insured in all commercial insurance companies, or the total amount actually paid for the death benefit by all commercial insurance companies should not exceed such death benefit limit for person under the age of 18 as specified by China Insurance Regulator (viz. CNY 200,000 if under age of 10 or CNY 500,000 if aged at 10-17 years old); for the insured person under the age of 18, the accidental death benefit agreed in the insurance policy shall be paid the lesser of the sum insured stated in the insurance policy and the difference of the regulation limit deducting the amount of death benefit compensated by other insurance companies. The Company will refund the corresponding proportion of the insurance premium after deducting the actual payment of the accidental death benefit under the insurance policy.
• 本人明白：于订立本保险合同时或因履行本保险合同发生争议时，本人可与美亚保险协商一致选择以诉讼或仲裁的方式，解决因履行保险合同发生的争议。 I/We fully understand that any dispute arising from performance of this insurance contract shall be settled by litigation or arbitration to be chosen upon negotiation with the Company when such dispute occurs or when the contract is concluded.
• 本人确认已阅读并理解美亚保险在官网发布的隐私政策（https://www.aig.com.cn/individuals/privacy-notice），并自愿同意美亚保险根据该隐私政策处理（包括不限于收集、使用、向境内外第三方提供）我/我们（即本人和所有被保险人）的个人信息（该信息无论是从本投保单还是其他地方获得），以实现该隐私政策中“我们使用个人信息的目的”项下所述的目的。（如您对我司根据隐私政策处理个人信息有任何疑问（包括变更您的营销偏好），您可联系我司相关部门，具体信息请见隐私政策“十二、联系方式”）
  本人理解，根据《个人信息保护法》，美亚保险在某些规定的情形下处理个人信息应当获得我/我们的单独同意。为此，本人通过勾选以下相应的勾选框，确认单独同意在下述情形下处理我/我们的个人信息。本人确认，如果本人为未满十四周岁的未成年被保险人勾选以下相应的勾选框，本人（1）作为该未成年人的父母或监护人单独同意美亚保险在下列情形处理该未成年被保险人的个人信息；或（2）已向其父母或监护人提供了美亚保险的隐私政策，并获得了其就美亚保险在下述情形下根据隐私政策处理该未成年被保险人个人信息的有效同意（包括单独同意）。如果本人为其他被保险人勾选了以下相应的勾选框，本人已经（1）向该被保险人提供了美亚保险的隐私政策，并（2）向该被保险人获得了《个人信息保护法》所要求的、就美亚保险在下述情形下根据隐私政策处理其个人信息的有效同意（包括单独同意）。
  本人理解，我/我们的同意必须自愿给予。但如果不作出此类同意，美亚保险可能无法提供部分或全部服务或产品，因为此类个人信息以及下文所述的具体处理活动是美亚保险提供本保险项下服务和产品所必需的。
  （1）本人同意由美亚保险处理我/我们的个人信息（这些信息可能含有美亚保险隐私政策中“我们收集并持有的个人信息”项下所述的敏感个人信息），用于美亚保险隐私政策中“我们使用个人信息的目的”项下所述的目的。《个人信息保护法》规定，敏感个人信息包括特定身份、医疗健康、金融账户、行踪轨迹、不满十四周岁未成年人的个人信息。
  （2）本人同意我/我们的个人信息可能会被披露或提供给美亚保险隐私政策中“个人信息的分享方” 项下所述的第三方。
  （3）本人同意我/我们的个人信息可能会根据美亚保险隐私政策中“个人信息处理地点”项下所述在中国境外处理，并提供给隐私政策中“个人信息的分享方”项下所述中国境外的接收方。
  如果本人提供了其他个人的个人信息，本人确认已向其他个人提供了美亚保险的隐私政策，并获得了其就美亚保险根据隐私政策处理其个人信息的有效同意。所述同意包括在处理其敏感个人信息、向第三方披露其个人信息、向中国境外接收方提供其个人信息以及在中国境外处理其个人信息方面的单独同意。 I/we confirm that I/we have read and fully understood AIG’s Privacy Policy published on AIG’s official website (https://www.aig.com.cn/individuals/privacy-notice), and voluntarily consent to the Company’s handling (including but not limited to collecting, using, providing to third parties (within or outside of China)) my/our (i.e. I and all the insureds) Personal Information (contained in this application form or otherwise obtained), in accordance with the aforesaid AIG’s Privacy Policy and for the purposes specified under the section “How do we use Personal Information” of the aforesaid AIG’s Privacy Policy.(If you have any queries in relation to how we handle Personal Information as set out in the Privacy Policy, including changing your marketing preferences, you may reach out to the relevant department, details of which are set out in Section L “Who to contact about your Personal Information”).
  I/we understand that under the Personal Information Protection Law (“PIPL”), AIG is required to obtain my/our separate consent in certain prescribed circumstances of processing Personal Information. To this end, I/we indicate my/our separate consent for the handling of my/our Personal Information in relation to the below circumstances by checking the appropriate checkboxes below. I/we confirm that, by checking the appropriate checkboxes below for and on behalf of Insured Persons who are minors below 14 years, I/we (1) as the parent or guardian of the minors, separately agree to the handling of Personal Information of such minors by the Company in the below circumstances; or (2) have provided the parents or the guardian of the minors with AIG’s Privacy Policy and obtained their valid consent (including separate consent) from them for the Company to handle Personal Information of such minors in relation to the below circumstances and in accordance with AIG’s Privacy Policy. By checking the appropriate checkboxes below for and on behalf of other Insured Persons, I/we have (1) provided the Insured Persons with AIG’s Privacy Policy and (2) obtained the valid consent (including separate consent) under the PIPL from the said Insured Persons for the Company to handle their Personal Information in relation to the below circumstances and in accordance with AIG’s Privacy Policy.
  I/we understand that my/our consent must be voluntarily provided but that if I/we do not provide such consent, AIG may not be able to provide some or all of its services or products as such Personal Information and the specific handling activities disclosed below are necessary for AIG to provide such services and products.
  I/we agree to the handling of my/our Personal Information, by AIG, which may constitute sensitive personal information as set out under the section “What Personal Information do we collect and hold” of AIG’s Privacy Policy, for the purposes set out under the section “How do we use Personal Information” of the said privacy policy. The PIPL provides that sensitive information includes information on specially-designated status, medical health, financial accounts, individual location tracking, as well as the personal information of minors under the age of 14.
  I/we agree that my/our Personal Information may be disclosed or provided to third parties as described under the section “Who is Personal Information shared with” of AIG’s Privacy Policy.
  I/we agree that my/our Personal Information may be processed outside of China as described under the section “Where do we process Personal Information” of AIG’s Privacy Policy and provided to recipients outside of China as described under the section “Who is Personal Information shared with” of AIG’s Privacy Policy.
  Where I/we have provided Personal Information of other individuals, I/we confirm that I/we have provided these individuals with AIG’s Privacy Policy and obtained their valid consent for AIG to handle Personal Information in accordance with the said Privacy Policy. This includes obtaining separate consent for the handling of their sensitive information, disclosure of their Personal Information to third parties, the provision of Personal Information to recipients outside of China and the processing of their Personal Information outside of China.
• 本人声明并确认已经就本保险投保事宜及保险金额（包括但不限于死亡保险金额）征得各被保险人的同意。 I declare and confirm that I have obtained the insureds’ valid consent to application for this insurance and the insured amounts (including but not limited to the insured amounts paid upon death).

• 是 所有申请投保的被保险人均在境内常住，所述境内常住是指投保时的前一个自然年度内在境内的居住时间累计达到或超过183天。 Yes All insured applicants must be ordinarily resident within the territory. The term “Ordinarily resident within the territory” refers to any insured shall live within the territory reached or exceeded 183 days in the previous calendar year at the time of applying this policy.
• 是 所有申请投保的被保险人在本次投保行程期间均不会参与或涉及以下活动：商业船只上的任何工作和服务；任何军队或警方任务；职业性操作或测试任何种类交通工具；任何飞行器的驾驶和领航或其它空勤任务；体力劳动作业，包括但不限于石油挖掘、采矿、空中以及室内外商业摄影、处理爆炸物、森林砍伐、建筑工地现场施工，交通运输司乘、搬运、装卸，水上作业，二级或以上的高处作业；任何传教、人道主义服务以及任何医疗援助服务。 Yes The insured applicants shall NOT participate in or be involved in the following activities during the insured journey: being hired for merchant vessel, engaging in the naval, air, land or any other force service, or any professional activities including operating or testing of any kind of vehicle; piloting of any aircraft or other aircrew duties; the manual labor in connection with business or trade including but not limited to oil rigging, mining, areophotography, or handling explosive materials, lumbering, civil construction, being driver or crew of any public carrier, conveyance, loading, unloading, works on water or at high altitude;p participating in any missionary work and related travel, humanitarian work and related travel and medical assistance or support service and related travel.
• 是 所有申请投保的18周岁以下的未成年人在本次投保之前均未在本保险公司或其他保险公司投保或参保以死亡为给付保险金条件的人身保险。 Yes Any insured applicant under 18 years of age has NOT yet held any insurance policy including the benefit paid upon death from us or other insurance companies at the time of this applying.
• 是 所有申请投保的被保险人在投保时均在中国大陆（内地）。 Yes All insured applicants are within the territory of Mainland China at this time of application.