In Luoyang, fracture or ER hospitalization on trip—how does insurance pay?

[Direct conclusion] 【Accident fracture/ER falls under 'accident medical + hospitalization'; pay by limit and deductible with hospital diagnosis, record, cost list, receipts; hospitalization allowance (if any) by day. Key points to keep in mind: 1. Our liability pays accident first; your travel plan adds medical and allowance—two lines parallel.】 Payout: Claim points: Three reminders: Deductible (e.g., 100) below self-pay; read clause. 2. Pricey import drugs/supplies may cap ratio; ask early. 3. Report don't delay; most plans require within 24–48h. 4. Bone injuries cost most and disrupt most. Note: Read the coverage and the exclusions before purchasing. 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.