Travellers to China worried that their view of the Great Wall will be obscured by Beijing’s pollution can rest easy with a “smog insurance” product being introduced this week.

前往中国的游客如果担心长城风景可能受到北京污染的影响，那么本周推出的“雾霾险”产品有望让他们安心。

 

“Smog insurance” is the latest response to choking air pollution in China and follows efforts that include closing industrial plants and do-it-yourself air filter specialists dispensing advice online.

“雾霾险”是对中国令人不敢呼吸的空气污染的回应，之前的努力包括政府勒令工厂停产，以及DIY空气过滤器导师在网上提供咨询。

 

Panasonic, the Japanese electronics group, said last week it would offer a pollution bonus to expatriate employees working in China.

日本电子集团松下(Panasonic)上周表示，将向外派至中国工作的非中国籍员工提供污染奖金。

 

Li Keqiang, Chinese premier, declared a “war on pollution” in his annual speech to the legislature in March. Only three Chinese cities meet national air quality standards, two of which are on islands.

中国总理李克强3月在全国人大年会上发表讲话时，宣布“向污染宣战”。中国只有三个城市达到国家空气质量标准，其中两个位于岛上。

 

CTrip, an online travel agent, and Ping An, the state-owned insurance company, have teamed up to offer “smog insurance” to travellers and residents in seven cities plagued by smog. The scheme pays out when the air quality index, or AQI, exceeds set levels for two days in a row.

在线旅游代理携程(CTrip)和国有保险公司平安(Ping An)联手推出“雾霾险”，面向受到雾霾困扰的7个城市的游客和市民。该产品将在空气质量指数(AQI)连续两天超过设定水平时作出赔付。

 

A week of the index being over 300, a level deemed hazardous at prolonged exposure, yields the policy holder a free lung check while those who need hospitalisation because of it would receive Rmb1,500 ($240).

如果空气质量指数持续一周高于300（被视为长时间接触有危险的水平），保单持有人将得到一次免费的肺部检查，而污染导致需要住院接受治疗的保单持有人将得到1500元人民币（合240美元）。

 

If pollution exceeds the charts, as happened this winter in the northern city of Shijiazhuang for several days, policy holders can compete for a free trip to the subtropical island of Hainan to “clear their lungs”.

如果污染达到“爆表”水平（北方城市石家庄在这个冬天有好几天出现这样的情况），保单持有人有机会获取海南“洗肺”旅游。

 

It is not unknown for cities in northern China to see pollution in hazardous levels for a week at a time, particularly in the winter. But Ping An is on safer ground in the springtime, when breezes and bright skies tend to keep the AQI within more comfortable limits.

在冬季的华北城市，危险级别的污染持续一周的情况并非罕见。但春天意味着平安保险较有把握：微风和明媚的天空往往使空气质量指数保持在比较舒适的范围内。

 

Haikou, the capital of subtropical Hainan Island, Zhoushan, on an archipelago south of Shanghai that consists of 1,390 islands and 1.1m inhabitants, and Lhasa, the capital of Tibet, were the only three to meet national standards in a survey of 74 of the largest cities, the vice minister for the environment said this month.

中国环保部副部长本月表示，全国74个城市的全年监测结果显示，仅3个城市达到空气质量二级标准。这3个城市是：海口（地处亚热带的海南岛的首府）、舟山（上海以南的一个群岛，共有1390个岛屿和110万居民），以及西藏首府拉萨。

 

The air quality index assesses the level of air pollution with a grading system from 0 to 500. The higher the value, the more polluted the air and the greater the health concern: 50 represents good air quality with little potential to affect public health and over 300 is well within the hazardous range.

空气质量指数采用从0到500的数值来评估空气污染水平。该值越高，空气污染就越严重，健康担忧就更大： 50代表空气质量状况属于优，不致影响公众健康，而超过300就进入危险范围了。

 

The air in Beijing on Thursday was rated “good” by the US embassy and “excellent” on the Chinese index.

周四，北京的空气被美国大使馆评为“良好”，被中国的指数评为“优”。

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