China Travel Insurance

• What Happens If I Get Sick Or Injured Overseas?

• 1Cover offer emergency medical assistance anywhere in the world, 24 hours a day, 365 days per year.
  
  In an emergency situation, you can call our medical assistance team who will help with any medical problems which may arise.
  
  If you are injured or become unwell overseas, you must notify 1Cover as soon as possible.

• Can I Apply To Extend My Travel Insurance Policy While I’m Away?

• Yes, of course. If you want to extend your policy while you’re in China,  the easiest way to do this is via the Policy Manager.
  
  You'll need your policy number (available in the email confirming your policy), and a few other simple details. Log-in and extend your trip, add destinations, or buy add ons/extras.
  
  Make sure you extend your policy before it expires.
  
  If you have trouble, you can email us at [email protected]Please note there may be instances where a policy extension is not available. 

• Will You Pay My Hospital Bills If I get sick or injured in China?

• Please refer to the Policy Wording and policy schedule and check if your sickness or injury is a claimable event and is covered. If you are hospitalised, or if you are treated as an outpatient, or if the total cost of the treatment will exceed $1000, please contact our emergency assistance service as soon as possible to obtain their prior approval.
  
  In circumstances where the claim is approved, we can then provide written guarantees of payment of reasonable expenses for emergency hospitalisation that may be required while you are in China.

• What Do I Do If I get robbed in China?

• If you are robbed while you’re on holiday, you should report the theft to the police or nearest local authority immediately. You will also need to obtain a written report to be used as supporting documents for your claim. 

• I’ve reached China and the airline Has Lost My Luggage. Will 1Cover Replace The Items?

• If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred, then your travel insurance may not cover you.
  
  However, if you are not reimbursed the full amount of your claim, we will assess your claim and you may be entitled to be paid the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover (allowing for depreciation due to age, wear and tear).

• Am I Covered For Natural Disasters?

• Travel insurance provides cover for weather events as long as they are unforeseen. If you do get caught up in an unforeseen event while you are in China and you are injured or your trip is interrupted, 1Cover can assist.
  
  Our policies do not cover claims for losses caused by an event that you were aware of at the time of purchasing your policy. Once an event has become published in the mass media, it is expected that you have purchased your insurance with this knowledge in mind.
  
  1Cover will, where possible, issue travel warnings in relation to such large scale events and the dates and times after which they are not seen as an unforeseen event.

• Can I Choose My Excess?

• Sure. If you choose a lower excess, it means you'll pay less if you need to claim, but you'll pay a little bit more upfront. If you opt for a higher excess, it means you'll pay less now and a little bit more if you need to claim.

• I travel to China a few times a year. What’s the best policy for me?

• We have a policy called Frequent Traveller which allows you to take as many trips under the one policy for 12 months and enjoy comprehensive cover on each one. There is a limit to the maximum length of each trip on these policies. You can travel to one or more destinations with this policy. 
  
  Find out more about our annual travel insurance policies here.

• Do you cover seniors travelling to China?

• We can provide cover to people of all ages. If you have any pre-existing medical conditions we may require a little more information from you and some exclusions may apply. See here for more details. 

• Am I Covered If I'm Pregnant When I'm Travelling To China?

• If you're travelling to China while pregnant, you are covered for single foetus pregnancies, up to, and inclusive of, the 24th week of gestation. For multiple pregnancies, you'll be covered up to and inclusive of the 19th week of gestation. If you have had complications from your pregnancy, you’ll need to complete a medical screening.
  
  We will assess your application and decide whether and to what extent we can offer you insurance for your pregnancy and/or journey. If you have not told us about the circumstances of your pregnancy when you were required to do so, we may refuse your claim or reduce it to the amount we would have paid had you given us the required information.
  
  Please note: we will not pay any medical expenses for:
  a) Regular antenatal care;
  b) Childbirth at any gestation; or
  c) Care of the newborn child. 
  
  Find more here. 

• Can I Get Extra Cover For My High-Value Items?

• Laptop computers, cameras, mobile phones…they’re all things we need on at home and on holiday. That’s why you can choose a bit of extra protection for your can’t-live-withouts. All you need to do is include and specify certain high-value items that aren't automatically covered when you're buying your policy.
  
  Note: the items cannot be older than 12 month, and you can't specify items like jewellery, watches, bicycles and watercraft (apart from surfboards).

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