Are fractures, sprains, heatstroke accidents, and does insurance pay in Luoyang?

[Direct conclusion] 【Yes, and usually paid. Key points to keep in mind: 1. Fracture and sprain are typical 'accident medical' (external, sudden, unintended); travel accident with medical reimburses; heatstroke is paid if the product 'includes acute illness', while pure accident sometimes disputes heatstroke — pick acute-inclusive. 2. Key is timely care and keeping receipts/diagnosis (stating 'accident injury').】 Payout table: Four actions: ◆ Diagnosis states accident: helps claim nature. 3. ◆ Nearest proper care: receipts valid. 4. ◆ Keep all receipts: meds + treatment. Note: Travel insurance is a supplement, not a substitute for a health check. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.