特别约定：

1.本方案承保高风险运动，高风险运动特指非竞技类高风险运动，包括但不限于潜水、滑水、滑雪、滑冰，驾驶或乘坐滑翔翼、滑翔伞，跳伞、攀岩运动、探险活动、武术、摔跤、柔道、空手道、跆拳道、马术、拳击、驾驶卡丁车、蹦极等；

2.被保险人年龄需为30天~100周岁，其中投保生效时年满60周岁（含）至80周岁（含）的被保险人，其“意外身故及伤残”、“突发急性病身故”保障的保险金额为产品列表中对应项目保险金额的50%，投保生效时年满81周岁（含）至100周岁（含）的被保险人，其“意外身故及伤残”、“突发急性病身故”保障的保险金额为产品列表中对应项目保险金额的25%，保险费维持不变；

3.承保地域为中华人民共和国境外地区（含港澳台）；本产品仅支持投保时在中华人民共和国境内；

4.本方案每人仅限投保一份，若购买多份保单，保险公司按照最高限额保单作为赔付标准。

5.根据保监会规定，除航空意外死亡及重大自然灾害意外死亡外，对于被保险人不满10周岁的，死亡给付保险金额总和不得超过人民币20万元；对于被保险人已满10周岁但未满18周岁的，死亡给付保险金额总和不得超过人民币50万元。（包括在其他保险公司所购买的保险）。

6、托运行李损失丢失和个人行李及随身物品丢失损失需在事故发生后24小时内向当地海关、警方或其他有关部门报案并领取事故证明，每件/每套限额1000元。

7.承保地域为中华人民共和国境外，含港澳台地区；拓展承保被保险人商务旅行、留学、探亲、访友；对于商务旅行的被保险人的职业类别为《华农保险职业类别表》1-3类，3类以上人员不予承保，不承保任何直接从事体力劳动的人员；

Insured Area：outside Mainland China (including Hong Kong, Macao and Taiwan).Expand coverage for business travel, study abroad, family visits, and friends of the insured.The occupation category of the insured for business travel is included in Category 1-3 of the "China Huanong Insurance Occupation Category Table", and the personnel over category 3 will not be covered, and any personnel directly engaged in manual labor will not be covered.

8.本保险最早生效时间为投保次日凌晨0:00，具体生效时间以保单所载保险期间为准。当投保保险期间为一年时，单次旅行不超过182天。本保险需要在出境前投保，允许被保险人在境外续保（在保单未到期前），本保险时间标准为【北京时间】；若因签证延期出签（不包括拒签重新申请）导致无法按原计划出境，本产品生效日可以实际出境日为准,保险期间相应顺延,但实际出境日不得晚于原约定保单生效日30天。若出险时间晚于保单载明的保险止期，申请理赔时需提供自保单生效日至出险日的全部出入境记录及签证签发日期证明。

The earliest effective time of this insurance is 0:00 on the next day, and the specific effective time is subject to the insurance period stated in the policy. When the insurance period is one year, a single trip shall not exceed 182 days.This insurance requires that insured person insure themselves before leaving China. The insured is allowed to renew the insurance abroad (before the policy expires). The time standard of this insurance is [Beijing time].If you are unable to leave the country as originally planned due to visa extension (excluding visa refusal and re-application), the effective date of this product can be regarded as the actual departure date, and the insurance period will be extended accordingly, but the actual departure date shall not be later than 30 days after the original policy effective date. If the accident occurs later than the end of the insurance period stated in the policy, the claim must provide all entry and exit records from the effective date of the policy to the date of the accident.If the accident occurs later than the end of the insurance period stated in the policy, the claim must provide all entry and exit records from the effective date of the policy to the date of the accident, and provide proof of the date of visa issuance .

**华农产品不承保任何直接或间接前往或途径索马里、利比亚、利比里亚、叙利亚、阿富汗、南北苏丹、刚果民主共和国、伊拉克、中非、也门、巴勒斯坦、以色列、乌克兰、南极、北极以及投保时已经处于战争状态或已被宣布为紧急状态的国家或地区。