美亚“商旅无忧”团体旅行保障计划费率表
期初全年最低收费低于 1 万（但不低于 6300 元），按如下费率承保：
保障利益 Benefits
被保险人的保险金额
Maximum Limit Per Insured Person
（人民币：元）（RMB: Yuan）
计划一
计划二
计划三
意外身故及伤残保障 Accidental Death & Disability
300,000
500,000
1,000,000
双倍给付意外伤害（仅限公共交通意外）Double Indemnity
(Common Carrier)
300,000
500,000
1,000,000
医药补偿 Medical Reimbursement
一般医药补偿保障（含住院及门诊医药费用，包括境外
医疗诊所门诊医疗费用）General Medical
Reimbursement (covers Inpatient and Outpatient
Medical Expenses including overseas clinic) *其中境
内旅行的疾病医药补偿赔偿限额：RMB 1,000
Limit of Sickness Medical Reimbursement for
Domestic Travel : RMB 1,000
300,000
500,000
1,000,000
医疗运送和送返 Medical Evacuation & Repatriation
300,000
500,000
实际费用
身故遗体送返 Repatriation of Remains
(其中丧葬费用以 RMB16,000 元为限; Funeral Expenses
limited to RMB16,000 )
300,000
500,000
实际费用
每日住院津贴 Hospital Confinement(总赔偿天数以 90 天
为限 Up to 90 days)
50/天
100/天
200/天
行李延误 Baggage Delay(每八小时延误赔偿额：500 元；
RMB500 for every 8 hours of delay) (最高赔偿以保险金额
为限 up to the Maximum Limit Per Insured Person)
500
1,000
1,500
慰问探访费用补偿 Compassionate Visit
(身故或严重身体伤害住院连续天数达到七天及以上 Death
or continuously in Hospital 7 days or above due to
Serious Injury)
6,000
8,000
10,000
随身财产 Traveler Personal Effects
-每件手提电脑或投影仪赔偿限额 RMB3,000;
Limit for laptop computer or projector: RMB3,000
-每件或每套行李或物品赔偿限额 RMB1,500
Limit per item or set of items: RMB1,500
-移动电话、IPAD 和个人商务助理每件限额 1000 元
3,000
5,000
8,000
Limit for mobile phone, IPAD and PDA: RMB 1,000
旅行取消 Trip Cancellation
5,000
8,000
10,000
外部原因旅行延误 Travel Delay due to External Events(每
四小时延误赔偿额：300 元；RMB300 for every 4 hours of
delay) (最高赔偿以保险金额为限 up to the Maximum
Limit Per Insured Person)
600
900
1,200
个人钱财 Loss of Money
1,000
3,000
5,000
个人责任 Personal Liability
500,000
800,000
1,000,000
急性病身故 Acute Sickness Death
50,000
100,000
200,000
员工慰问探访费用 Staff Compassionate Visit
(身故或严重身体伤害住院连续天数达到七天及以上 Death
or continuously in Hospital 7 days or above due to
Serious Injury)
(本项保障的被保险人为约定团体成员的雇主。The insured
under this benefit is the employer of the member
eligibility for coverage)
6,000
8,000
10,000
商业设备租赁费用补偿 Business Equipment Rental
Reimbursement
(每日最高赔偿限: RMB300; Maximum daily
reimbursement limit: RMB300)
（本项保障的被保险人为约定团体成员的雇主。The insured
under this benefit is the employer of the member
eligibility for coverage）
3,000
3,000
5,000
工作人员替换费用补偿 Temporary Personnel
Replacement Costs
(身故或严重身体伤害住院连续天数达到十天及以上 Death
or continuously in Hospital 10 days or above due to
Serious Injury)
(本项保障的被保险人为约定团体成员的雇主。The insured
under this benefit is the employer of the member
eligibility for coverage)
5,000
8,000
10,000
每一意外事故总赔偿限额 Aggregate Limit per Accident
5,000,000
每次旅行的最长承保期间 Maximum covered duration
for each trip
180
按日保障付费:日保险费 Premium for a per trip
payment basis: Premium /person / day
13
15
20
按年保障付费:年保险费 Premium for an annual
payment basis: Premium / person /year
(每次旅行的最长承保天数为 90 天 Maximum insurance
period for each trip 90 days)
1,110
1,350
1,750
按年保障付费:年保险费 Premium for an annual
payment basis: Premium / person /year
(每次旅行的最长承保天数为 180 天 Maximum
insurance period for each trip 180 days)
1,300
1,500
2,000
注：如全年保费达到 1-3 万、3 万及以上，可享受优惠费率。