China Travel Insurance
If needed, we can purchase appropriate travel insurance in China on behalf of our guests. Below is an overview of the policy and requirements. As a travel company based in Kunming, Yunnan Province, both the contract signing and insurance purchase are processed through relevant local government and enterprise systems in Yunnan.
Even if you have already purchased sufficient China travel insurance through us, we still recommend that you buy additional coverage in your home country for comprehensive protection.
Table of Contents
Travel Insurance Overview
Insurance Name:
- Yunnan Travel Combo Insurance
Coverage Includes:
- Yunnan Travel Agency Liability Insurance
- Yunnan Tourist Accident Insurance
Underwriters:
- Yunnan Branch of China Champion Property Insurance Co., Ltd.
- Yunnan Branch of China Pacific Property Insurance Co., Ltd.
Required Condition:
- Guests MUST sign the National Standard Domestic Travel Electronic Contract (in Chinese only, to be signed digitally via mobile phone). The insurance is only valid when bundled with this contract.
Document Sample:
- Nationwide Domestic Travel Contract (PDF, Chinese only) (This is what you will received and signed)
- Nationwide Domestic Travel Contract (PDF, CN-EN bilingual version)
- Travel Agency Liability Insurance Itinerary (PDF, Chinese only)
Insurance Terms:
- Yunnan Province Travel Agency Liability Insurance Terms. (PDF, Chinese only)
- Additional Travel Cancellation Loss Insurance Terms – Yunnan Province Travel Agency Liability Insurance. (PDF, Chinese only)
Coverage and Cost
A. Yunnan Travel Agency Liability Insurance (Mandatory)
Yunnan Travel Agency Liability Insurance Coverage
Type of Liability Limit | Coverage Amount |
|---|---|
Annual Aggregate Limit | No annual limit set |
Per Incident Limit | RMB 56.2 million |
Legal Fees | RMB 700,000 per incident |
No-Fault Assistance | RMB 250,000 per incident |
Emergency Rescue Expenses | RMB 1.2 million per incident (calculated separately and not included in the per-person limit of RMB 1.8 million) |
Per-Person Liability Limit for Injury or Death: RMB 1.8 million
Item | Coverage Amount |
|---|---|
Fault-based compensation | RMB 60,000 |
Mental distress compensation | RMB 220,000 |
Property damage | RMB 70,000 |
Emotional consolation | RMB 60,000 |
Itinerary delay error | RMB 60,000 |
Combined legal + no-fault assistance expenses | RMB 160,000 |
Trip cancellation | RMB 60,000 |
Emergency illness rescue | RMB 60,000 |
Death/disability of travel agency staff due to tourism-related duties | RMB 1.8 million |
Included Additional Riders
- Extended Coverage Rider
- Errors & Omissions Rider
- Violation Guarantee Rider
Travel Agency Liability Insurance Plan (Rate Table)
Travel Type | Duration | Insurance Premium |
|---|---|---|
Self-organized Groups Traveling within China (excluding Hong Kong, Macau, Taiwan) | 1-20 days | 15 yuan per person |
21-30 days | 30 yuan per person | |
31+ days | 30 yuan per person base + 6 yuan per additional day | |
Cross-border travel 1-2 days | 15 yuan per person | |
Cross-border travel 2+ days | 15 yuan per person base + 3 yuan per additional day | |
Self-organized Groups Traveling Abroad (including Hong Kong, Macau, Taiwan) | 1-20 days | 45 yuan per person |
21-30 days | 60 yuan per person | |
31+ days | 60 yuan per person base + 9 yuan per additional day | |
Self-driving and Independent Travel (Camping) | Within China (excluding Hong Kong, Macau, Taiwan) | 120% of Category B rates |
Outside China (including Hong Kong, Macau, Taiwan) | 200% of Category C rates | |
Special Travel Activities (Racing, Equestrian, Rock Climbing, Skiing, Exploration, Rafting, Diving, Boating, Skiing, Jumping, Hot Air Ballooning, Bungee Jumping, Mountaineering, Hiking and other high-risk travel activities) | Within China (excluding Hong Kong, Macau, Taiwan) | 200% of Category B rates |
Outside China (including Hong Kong, Macau, Taiwan) | 200% of Category C rates |
B. Yunnan Travel Insurance Plans (Voluntary, all in RMB per person)
Domestic Travel Insurance
Plan 1
Duration | 1-2 days |
Travel Accident Injury | 100,000 |
Accident Medical Treatment | 50,000 |
Illness Medical Treatment | – |
Overseas Medical | 30,000 |
Emergency Rescue | 100,000 |
Passenger Accident | – |
Vehicle Accident | 100,000 |
Premium (RMB) | 6 |
Plan 2
Duration | Premium (RMB) |
1-2 days | 15 |
3-10 days | 30 |
11-20 days | 75 |
21-30 days | 150 |
Travel Accident Injury | 200,000 |
Accident Medical Treatment | 70,000 |
Illness Medical Treatment | 5,000 (3+ days) |
Overseas Medical | 30,000 |
Emergency Rescue | 200,000 |
Passenger Accident | 800,000 |
Vehicle Accident | 200,000 |
Plan 3
Duration | Premium (RMB) |
1-2 days | 30 |
3-10 days | 60 |
11-20 days | 105 |
21-30 days | 225 |
Travel Accident Injury | 400,000 |
Accident Medical Treatment | 100,000 |
Illness Medical Treatment | 5,000 (3+ days) |
Overseas Medical | 50,000 |
Emergency Rescue | 400,000 |
Passenger Accident | 1,000,000 |
Vehicle Accident | 400,000 |
Plan 4
Duration | Premium (RMB) |
1-2 days | 30 |
3-10 days | 75 |
11-15 days | 90 |
16-20 days | 135 |
21-30 days | 150 |
Travel Accident Injury | 200,000 |
Accident Medical Treatment | 100,000 |
Illness Medical Treatment | 5,000 (3+ days) |
Overseas Medical | 50,000 |
Emergency Rescue | 200,000 |
Passenger Accident | 800,000 |
Vehicle Accident | 200,000 |
Overseas Travel Insurance (including Hong Kong, Macau, Taiwan)
Plan 5
Duration | Premium (RMB) |
1-2 days | 45 |
3-10 days | 105 |
11-15 days | 120 |
16-20 days | 150 |
21-30 days | 180 |
Travel Accident Injury | 400,000 |
Accident Medical Treatment | 150,000 |
Illness Medical Treatment | 5,000 |
Overseas Medical | 100,000 |
Emergency Rescue | 400,000 |
Passenger Accident | 1,000,000 |
Vehicle Accident | 400,000 |
Plan 6
Duration | Premium (RMB) |
1-2 days | 75 |
3-10 days | 180 |
11-15 days | 195 |
16-20 days | 225 |
21-30 days | 375 |
Travel Accident Injury | 300,000 |
Accident Medical Treatment | 100,000 |
Illness Medical Treatment | 5,000 |
Overseas Medical | 350,000 |
Emergency Rescue | 300,000 |
Passenger Accident | 1,000,000 |
Vehicle Accident | 300,000 |
Special Provisions
- Based on the combined terms and conditions: Insurance is valid within 48 hours after the insured accident occurs during the agreed coverage period. The insurance claim hotline is 4006222888. For overseas travel insurance claims, contact the local emergency rescue service provider.
- Other special provisions:
- According to China Insurance Regulatory Commission regulations, for overseas travel accident insurance coverage and personal accident overseas travel insurance coverage, for insured persons under 10 years old, the maximum insurance coverage shall not exceed 200,000 yuan; for insured persons aged 10-18 years old, the maximum coverage shall not exceed 500,000 yuan. The company will automatically adjust coverage amounts exceeding the limit to comply with regulations.
- This insurance is underwritten jointly by Pacific Property Insurance Yunnan Branch and Taiping Property Insurance Yunnan Branch, with Pacific Property Insurance Yunnan Branch holding 70% and Taiping Property Insurance Yunnan Branch holding 30%.