A clearer view of accident cover.
Explore two accident-insurance options presented by SinoFrance in China. Compare key benefits and request confirmation for your circumstances.
Choose the level that fits you.
The prices below come from the presentation supplied to SinoFrance; the insurer must confirm they are current. The RMB 1,800 Premium Plan is the version including special-care services and private facilities; it is not the standard Plan 5 rate.
Serenity Plan
- ✓Accidental death or disability: up to RMB 500,000
- ✓Accident medical expenses: up to RMB 25,000 per accident; 100% of eligible expenses, no deductible in supplied table
- ✓Accident hospitalization: RMB 150/day allowance, subject to terms
- ✓Private hospitals and special-care departments are excluded from the standard version
Premium Plan
- ✓Accidental death or disability: up to RMB 1,000,000
- ✓Accident medical expenses: up to RMB 50,000 per accident; 100% of eligible expenses, no deductible in supplied table
- ✓Accident hospitalization: RMB 300/day allowance, subject to terms
- ✓Special-care / private-facility cap: RMB 13,000
Key benefit amounts, side by side.
Summary based on the supplied benefit table. Payment depends on policy definitions, limits, documentation, and exclusions.
| Benefit | Plan 3 · Serenity | Plan 5 · Premium |
|---|---|---|
| Accidental death / disability | 500 000 RMB | 1 000 000 RMB |
| Accident medical expenses / event | 25 000 RMB | 50 000 RMB |
| Main hospitalization allowance / day | 150 RMB | 300 RMB |
| Additional accident hospitalization allowance / day (max 30 days) | 300 RMB | 600 RMB |
| Special-care / private facilities (separate cap) | Not included at 705 RMB. Special-care / private-hospital version: 1 320 RMB per year, with a limit of 8 000 RMB. | 13 000 RMB |
| Emergency medical evacuation and repatriation | 150 000 RMB | 150 000 RMB |
| Air, sea, rail transport — death / disability | 500 000 RMB | 1 000 000 RMB |
Accident medical expenses are reimbursed subject to eligible expenses and policy terms. A separate accident-related hospitalization benefit is also listed with its own limits. The English document is indicative; the Chinese contractual table prevails.
Additional benefits, subject to terms.
| Benefit | Amount / limit |
|---|---|
| Sudden death (separate benefit) | 100 000 RMB |
| Additional accident hospitalization allowance / day (maximum 30 days) | Plan 3: 300 RMB / day · Plan 5: 600 RMB / day |
| Accident-related ambulance | Up to RMB 1,000 |
| Helicopter rescue in Nepal | Up to RMB 6,000 |
| Roadside assistance | One service per policy period, subject to terms |
| Other public transport (excluding air, rail, sea) — accidental death / disability | Plan 3: 500 000 RMB · Plan 5: 200 000 RMB |
| Private car — accidental death / disability | Plan 3: 300 000 RMB · Plan 5: 200 000 RMB |
Understand what the policy covers.
This is accident insurance, not general health insurance. These are key points from the supplied documents.
Eligibility and hospitals
- The displayed plans are intended for adults aged 18–65; occupation classes 1–3, subject to confirmation.
- Care must meet the eligible hospital and department definitions in the policy.
- One policy per insured; income documents may be requested for some benefits.
Important exclusions
The documents notably exclude intentional injury, some accidents involving alcohol or drugs, specified hazardous activities or sports, illness-related or medical-procedure consequences, and ineligible care. Each benefit also has its own exclusions.
Questions about a plan or its terms?
Contact SinoFrance for guidance to the insurer and confirmation of current terms.
Understanding insurance in China
Watch our conversation with Marc Burban as well.
