TRAVEL INSURANCE FOR CHINA

WHY BUY WITH ZOOM

• I leave for China tomorrow, can I still get cover?

• Yes, absolutely. Whether you've just booked some spontaneos travel or travel insurance was last on your packing list, you can still buy cover with Zoom provided you haven't left Australia yet.

• Am I covered for theft?

• Yes. Scammers and pickpockets have been known to target tourists in China so just make sure that you stay alert and aware, particularly in crowded, tourist hotspots. Zoom will cover you for loss, theft and damage to your luggage and personal effects. If you are robbed it’s important that you get a police report and contact us as soon as possible.

• Will I be covered for food poisoning?

• Yes. You would be covered for any medical expenses you incur as a result of contaminated food and water. Be warned that traveller's diarrhoea, including giardia, is common in China. Wash your hands regularly, opt for fully cooked, fresh food and peel fruit before eating. The tap water is China is also not safe to drink. Stick to bottled or boiled water, ask for no ice in your drinks, and check the seal on water bottles (some stores sell boiled water in recycled bottles).

• Do I need vaccinations to travel to China?

• Your doctor may recommend vaccinations before you travel to China, depending on your health status and your travel plans. You may need to update any routine vaccinations and consider shots for typhoid, hepatitis A and B, rabies, Japanese Encephalitis and tick-borne encephalitis. Consider a prophylactic for malaria if you're travelling to affected areas as well.

• Am I covered for asthma?

• The air quality in some Chinese cities is poor and may trigger your asthma.Your asthma would be covered providing that you have no other lung disease, and; you are less than 60 years of age at the date of issue of the certificate of insurance.
  
  If you have respiratory or other health problems, speak to your doctor prior to travelling. Pollution levels in China will vary day-to-day, so check local reports (eg. aqicn.org/city/beijing/) and consider staying indoors or wearing a mask on bad days.

COMPARE CHINA TRAVEL INSURANCE

COMPARE PLANS (Benefits are per adult) Expand to see benefits & limits in detail	Medical Only	Standard	Comprehensive
Emergency	included	included	included
24/7 Emergency Assistance Service	included	included	included
24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
Medical	unlimited	unlimited	unlimited
Overseas Emergency Medical & Hospital ExpensesSO	unlimited	unlimited	unlimited
Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas.
Dental ExpensesO	$1,000	$1,000	$1,000
Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth.
Repatriation Of RemainsO	$25,000	$25,000	$25,000
Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia.
Hospital Cash AllowanceSO		$2,500	$5,000
An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
Permanent DisabilityO			$25,000
A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip (no excess applies).
Loss of IncomeSO			$10,400
Weekly payment you received if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work in your usual occupation for more than 30 days after returning to Australia. (no excess applies)
Luggage & Personal Items		$5,000	$10,000
Travel Documents & Transaction CardsO		$2,000	$5,000
Reimburses you for the cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
Luggage & Personal EffectsAS		$5,000	$10,000
Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
Theft of CashPO			$250
Reimburses you for cash, bank notes, currency notes, or money orders stolen whilst on your person during your journey.
Luggage & Personal Effects Delay ExpensesASO			$500
Cover to purchase essential clothing and personal items if your luggage and personal effects have been delayed, misdirected or misplaced by your carrier for more than 12 hours.<br/> <br/> $250 if your luggage is delayed for less than 7 days. $500 if your luggage is delayed for more than a week. (no excess applies)<br/>
Cancellation & Delay		chosen limit	chosen limit
Pre-Departure Cancellation Fees & Lost DepositsPS		chosen limit	chosen limit
Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters.
Pre-Departure Amendments to JourneyA			$2,000
Cover for additional travel expenses that you incur and cannot recover when you need to amend your journey due to illness or injury, hospitalisation of a relative, or your scheduled or connecting transport is cancelled or delayed due to weather, strikes, riots, or a natural disaster.
On-trip Disruption		chosen limit	chosen limit
On-trip Cancellation Fees & Lost DepositsPS		chosen limit	chosen limit
Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather.
Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion CoverAS		$10,000	$25,000
Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster.<br> <br> There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies)
Travel Delay ExpensesS			$2,000
Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
Special Event Transport ExpensesO			$2,000
Reimburses you for additional travel expenses to reach a special event (wedding, funeral, prepaid conference, concert, music festival, sporting event, or a tour lasting more than two consecutive nights) on time.
Other	$2,500,000	$2,500,000	$5 million
Personal LiabilityP	$2,500,000	$2,500,000	$5 million
Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent).

VISAS FOR CHINA