Does insurance pay if a Henan traveler is injured by their own fault?

[Direct conclusion] Accident insurance pays regardless of fault for external, sudden, unintended events (slips, sprains); exclusions are intoxication, fights, illegal exploration. Key points to keep in mind: 1. Seek care promptly and keep records. 2. Payment: Accident insurance pays regardless of fault for external, sudden, unintended events (slips, sprains) exclusions are: exclusions are intoxication, fights, illegal exploration. 3. Seek care promptly and keep records. 4. We provide group tours, private customization, ground handling, car charter and airport transfer. 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.