For ensuring policy holders obtain rapidly, safe and convenient safeguard, China Life insurance partner with the overseas emergency assistance company in providing emergency service to those policy holders travel abroad.

Overseas Emergency Service Conditions

A.Service Flow

B.How to Reach Us

• When contact with Overseas Emergency Center, please provide insured's name, ID number, date of birth, incident location, emergency contact person name, contact number and briefly state the situation and assistance required.

C.Eligibility

Policy holders who holds valid one year above personal life. Travel insurance policy holders are also eligible.

D.Service Qualification

E.Scope of Service Introduction

Service eligible member are entitle below services. (When incident happens, qualification of eligible member is to follow the rules at the time. China life has right to change or adjust qualification of eligible member. No notice will be sent for the change or adjustment. )

F.Exclusions

The following treatment, items, conditions, activities and their related or consequential expenses are excluded:

1. Any expense incurred as a result of a Pre-existing conditions (Insured has been hospitalized twelve months before receive the service and the diagnosis is related to previous hospitalization)
2. Any event occurring when the user is within the territory of his/her home country and usual country of residence (means Taiwan).
3. More than one emergency evacuation and/or repatriation for any single medical condition of a insured subject to insurance coverage period maximum of one year.
4. Any cost or expense not expressly covered by the International SOS program and not approved in advance and in writing by International SOS and/or not arranged by International SOS. This exception shall not apply to Emergency Medical Evacuation from remote or primitive areas when International SOS cannot be contacted in advance and delay might reasonably be expected in loss of life or harm to the insured.
5. Any expense for insured who are travelling outside their home country or usual country or residence contrary to the advice of a medical practitioner, or for the purpose of obtaining medical treatment or for rest and recuperation following any prior accident, illness or pre-existing condition.
6. Any expense for medical evacuation or repatriation if the insured is not suffering from a Serious Medical Condition (refers to a condition which in the opinion of International SOS constitutes a serious medical emergency requiring urgent remedial treatment to avoid death or serious impairment to the User's immediate or long-term health prospects. The seriousness of the medical condition will be judged within the context of the User's geographical location, the nature of the medical emergency and the local availability of appropriate medical care or facilities.), and/or in the opinion of the SOS physician, the insured can be adequately treated locally, or treatment can be reasonably delayed until the insured returns to his/her Home Country or Usual Country of Residence.
7. Any expense for medical evacuation or repatriation where the User, in the opinion of the SOS physician, can travel as an ordinary passenger without a medical escort.
8. Any treatment or expense related to childbirth, miscarriage or pregnancy. This exception shall not apply to any abnormal pregnancy or vital complication of pregnancy which endangers the life of the mother and/or unborn child during the first twenty-four (24) weeks of pregnancy.
9. Any expense incurred for emotional, mental or psychiatric illness.
10. Any expense incurred as a result of a self-inflicted injury, suicide, drug addiction or abuse, alcohol abuse, sexually transmitted diseases.
11. Any expense related to accident or injury occurring while the User is engaged in caving, mountaineering or rock climbing necessitating the use of guides or ropes, potholing, skydiving, parachuting, bungee-jumping, ballooning, hang gliding, deep sea diving utilizing hard helmet with air hose attachments, martial arts, rallying, racing of any kind other than on foot, and any organized sports undertaken on a professional or sponsored basis.
12. Any expense incurred as a result of the User engaging in active service in the armed forces or police of any nation; active participation in war (whether declared or not), invasion, act of foreign enemy, hostilities, civil war, rebellion, riot, revolution or insurrection.
13. Any expense related to the User engaging in the commission of, or the attempt to commit, an unlawful act.
14. Any expense in respect of the User more than or equal to 85 years old at the date of intervention.
15. Any expense related to treatment performed or ordered by a non-registered practitioner not in accordance with the standard medical practice as defined in the country of treatment.
16. Any expense related to the User engaging in any form of aerial flight except as a passenger on a scheduled airline flight or licensed charter aircraft over an established route.
17. Any expense which is a direct result of nuclear reaction or radiation.
18. Any expense incurred for or as a result of any activity required from or on a ship or oil-rig platform, or at a similar off-shore location.
19. Any expense, regardless of any contributory cause(s), involving the use of or release or the threat thereof of any nuclear weapon or device or chemical or biological agent, including but not limited to expenses in any way caused or contributed to by an Act of Terrorism or war.

G.Terms and Conditions

1. For any service that insured received and accept China life or International SOS proceed to guarantee payment or any other situation result in arrears (the situation is include but not limited to guarantee of medical expenses during hospitalization, deposit or case fee charged by International SOS), insured shall return the full amount of arrears to China life in 15 days after receive payment notice.
2. Insured agreed, if insured does not follow the previous condition and return the full amount of arrears to China life, China life will deduct amount from insured's claim (i.e. insurance termination payment, policy value reserved fund or any other claim amount). If there's any remaining sum after deduction, China life will pay the remaining sum to insured without notice.
3. Overseas Emergency Assistance is a free service provided by China life. China life has right to change, amend or terminate the service without notice. The above listed Overseas Emergency Assistance items are only for reference, the actual content depends on the actual overseas emergency assistance service contract at the time the service is activated.
4. For the insured that are entitle to overseas emergency services, insured shall seek medical assistance locally when incident happens and notify overseas emergency assistance center at soonest possibility. After insured is admitted, insured shall notify overseas emergency assistance center within 3 days about the distress situation and seek assistance.
5. Fraud committed by or misrepresentation made by the insured or any fake information or data given by the insured, the service will be terminated immediately.

H.Disclaimer

In the incidence that nature disaster, order of local government or military, civil war, war, labor strike or any other cause that is not controllable that result in service delay, interrupt or not able to proceed, China life and International SOS are free of responsibility