TravelGap China Insurance

TravelGap ?« China provides international health insurance for trips lasting up to 6 months, including a complete set of services to help you identify, access and pay for quality healthcare services in China.
TravelGap ?« China provides a Maximum Benefit per Insured Person per policy period of US$1,000,000
No deductible.
  • Outside the U.S. and Canada:
    For the Certificate Period, TravelGap ?« China will pay 100% of Eligible Expenses up to the Overall Maximum Limit.
  • In USA
    You can only purchase TravelGap ?« China prior to departing on your trip.
No optional coverage.
TravelGap ?« China can be purchased for trip up to 6 months and is a nonrenewable plan. Subsequent periods of insurance can be purchased, in which case new eligibility will apply.
TravelGap ?« China is underwritten by HM Life Insurance Company.
TravelGap ?« China For China is administered by HTH Worldwide, Inc.

To be eligible for TravelGap ?« China an Insured Person must be

  • a resident of the U.S.
  • under age 85;
  • traveling outside the U.S.; and
  • Scheduled to spend at least 24 hours away from his/her Home and;
  • must be enrolled in a primary health plan.

Coverage becomes effective when the insured boards a conveyance at the start of the trip.

Coverage ends:

  • for a scheduled trip to a Foreign Country, when the Insured Person alights from a conveyance at the completion of the trip; or
  • if the Insured Person is covered under the Medical Evacuation Benefit, upon the Insured Person’s evacuation to his/her Home Area.
Plan Benefits

TravelGap?« China offers a broad range of benefits including:

  • Surgery, anesthesia, radiation therapy, inpatient doctor visits, X-ray and lab
  • Office visits, including X-rays and lab
  • Inpatient medical emergency
  • Ambulatory surgical center
  • Ambulance service
  • Claims resulting from downhill skiing and scuba diving
  • Outpatient prescription drugs outside the U.S.
  • Dental care required due to an injury
  • Dental care for relief of pain
  • Accidental Death and Dismemberment Pays Without a Deductible
  • Repatriation of Remains
  • Medical Evacuation to hospital of choice
  • Bedside Visit
  • PPO Network: Benefits for services and supplies received from Foreign Country Providers are covered. The Insured Person may seek the assistance of HTH in locating a provider.

  • Renewal: Subsequent periods of insurance can be purchased, in which case new eligibility will apply.

  • Cancellation:If you are not completely satisfied with your TravelGap ?« China purchase, return your ID card to HTH within 10 days of receipt and include a letter indicating your desire to cancel. If you have not departed on your trip before the date of the letter, you will receive a full refund.

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