Family property long-term benefits
Insurance property range
Article 1 This insurance covers the following family assets:
House and its attachments;
A piece of clothing, bedding, furniture with a value of more than 50 yuan;
A single piece of musical instruments and household appliances worth more than 300 yuan.
Article 2 The following properties are not covered by the insurance property:
Gold and silver, jewellery, jewellery, currency, securities, tickets, stamps, antiques, art, archives, books, technical materials, graphics, poultry, flowers, trees, pets, bonsai, vehicles, cameras, audiovisual products and Other property that cannot be valued;
Property in an emergency state of danger;
Property used for production and operation;
Other property not within the scope of the first article.
Insurance duty
Article 3 The company shall be responsible for compensation for the loss of insurance property within the insurance address due to the following reasons:
Fire or explosion;
Ground subsidence or sinking caused by lightning strikes, tornadoes, typhoons, floods, hail, snowstorms, ice, landslides and natural disasters;
Storm or heavy rain caused the main structure of the house to collapse;
Objects in the air fall and external objects collapse.
Article 4 The insurance property deposited in the insurance address room shall be liable for compensation for the loss of external or obvious traces of robbery or theft.
Article 5 After the occurrence of an insurance accident, the company shall be responsible for compensation for the reasonable and necessary expenses paid to prevent or reduce the loss of the insurance property, but the maximum amount of compensation for this fee shall not exceed the amount of the insurance.
Exclusion
Article 6 The company is not responsible for compensation for the loss of insurance property due to the following reasons:
Earthquake, tsunami;
War, military operations, riots, strikes, confiscation, expropriation;
Nuclear reaction, nuclear radiation or radioactive contamination;
Insured property itself is defective, mismanaged, deteriorated, enzymatic rotten, damp, insect bites, natural wear and tear;
Intentional act or gross negligence of the insured or his or her family members.
Article 8 The company is not responsible for compensation for the following items:
Motors, electrical appliances and electrical equipment are damaged by excessive use or overvoltage, lineage, arcing, leakage, self-heating, etc.;
Loss caused by the insured’s family or hiring staff or co-residents or boarders stealing insurance property;
Stacked on the balcony or open-air property, or use the materials such as mats, straw, oil felt, straw, reed, bamboo poles, canvas, etc. as the outer wall, the roof of the shed and the shed under the shed, due to storms, heavy rain, theft or robbery The damage caused;
Failure to do so shall result in the sinking of the foundation of the building, the occurrence of cracks or collapse of the building;
Theft of the insured property in the event that the depository is unoccupied or unattended for more than seven days;
Theft of the insured property due to the lack of doors and windows;
Theft or robbery suffered by the insured property in the event of an insured event as set out in Article 3 of this article.
Insurance amount and insurance deposit
Article 8 This insurance shall be insured in the form of each fixed insurance amount; the insured may determine the number of insurance insured according to the actual value of the family property at the time of insurance.
Article 9 The insurance deposit shall be paid in full at the time of signing the insurance contract by 3 - 5% of the insurance amount.
Article 10 Regardless of whether an insurance accident occurs during the validity period of the insurance contract, the insurance deposit is fully refunded to the insured when the insurance contract is terminated.
Article 11 If the insured is required to return the deposit in the middle of the 3rd anniversary of the insured period, the company shall charge the cost of the work according to a certain percentage of the deposit; the warranty period shall be less than 3% for one year; 2 years for less than 2 years. , 2 years less than 3 years, 1%; 3 years or more.
Term Insurance
Article 12 From the zero day after the issuance of the insurance policy, the insured shall not be allowed to withdraw the insurance deposit, the insurance shall be valid for 10 years and may be renewed after 10 years.
Compensation treatment
Article 13 When the insured claims, he shall provide the company with insurance policy, loss list, public security department certificate and other necessary documents.
Article 14 In the event of loss of insurance property within the scope of insurance liability, the Company shall calculate the amount of compensation according to the actual value of the insurance property at the time of the accident, but the maximum amount shall not exceed the amount of insurance specified in the insurance policy.
Article 15 After the insurance property is partially compensated by the company, the insurance contract shall continue to be valid, but the insurance amount shall be reduced accordingly. The amount of reduction is issued by the company.
Article 16 Where a loss within the scope of insurance liability shall be compensated by a third party, the insured may claim compensation from the company or may make a claim against a third party. If the insured claims to the company, it shall transfer the right to subrogate the third party from the date of receipt of the indemnity. When the Company exercises the right of subrogation claim to a third party, the insured shall actively assist and provide the company with the necessary files and relevant information.
Article 17 The remaining part of the insurance property after the loss shall be converted into the insured at the price and deducted from the indemnity.
Article 18 When an insurance accident occurs, if other insurance covers the same liability, regardless of whether the insurance is insured by the insured or others, the company only bears the responsibility of proportionally apportioning.
Article 19 The time limit for the insured's claim shall not exceed two years from the date on which the insured event is known to occur.
Insured and insured obligations
Article 20 The insured shall abide by the provisions of the State and relevant departments on fire protection, safety, etc., take reasonable precautions to prevent the occurrence of insurance accidents, and make reasonable suggestions for the elimination of unsafe factors and hidden dangers proposed by the company and relevant departments. It should be seriously implemented.
Article 21 In the period of validity of the insurance contract, if the name of the insured, the nature of the possession of the insurance property, the address of the insurance property, the degree of danger, etc., the insured shall promptly apply in writing to the company for approval.
Article 22 When an insurance accident occurs, the insured shall endeavor to take necessary measures to prevent or reduce the loss and immediately notify the company.
Article 23 If the insured and the insured fail to perform the obligations stipulated in Articles 20-22, the company has the right to refuse compensation or terminate the insurance contract from the date of written notice.
something else
Article 24 If the insured and the company cannot reach an agreement in dispute, they may apply to the arbitration institution for arbitration or bring a lawsuit to the court.
Article 1 This insurance covers the following family assets:
House and its attachments;
A piece of clothing, bedding, furniture with a value of more than 50 yuan;
A single piece of musical instruments and household appliances worth more than 300 yuan.
Article 2 The following properties are not covered by the insurance property:
Gold and silver, jewellery, jewellery, currency, securities, tickets, stamps, antiques, art, archives, books, technical materials, graphics, poultry, flowers, trees, pets, bonsai, vehicles, cameras, audiovisual products and Other property that cannot be valued;
Property in an emergency state of danger;
Property used for production and operation;
Other property not within the scope of the first article.
Insurance duty
Article 3 The company shall be responsible for compensation for the loss of insurance property within the insurance address due to the following reasons:
Fire or explosion;
Ground subsidence or sinking caused by lightning strikes, tornadoes, typhoons, floods, hail, snowstorms, ice, landslides and natural disasters;
Storm or heavy rain caused the main structure of the house to collapse;
Objects in the air fall and external objects collapse.
Article 4 The insurance property deposited in the insurance address room shall be liable for compensation for the loss of external or obvious traces of robbery or theft.
Article 5 After the occurrence of an insurance accident, the company shall be responsible for compensation for the reasonable and necessary expenses paid to prevent or reduce the loss of the insurance property, but the maximum amount of compensation for this fee shall not exceed the amount of the insurance.
Exclusion
Article 6 The company is not responsible for compensation for the loss of insurance property due to the following reasons:
Earthquake, tsunami;
War, military operations, riots, strikes, confiscation, expropriation;
Nuclear reaction, nuclear radiation or radioactive contamination;
Insured property itself is defective, mismanaged, deteriorated, enzymatic rotten, damp, insect bites, natural wear and tear;
Intentional act or gross negligence of the insured or his or her family members.
Article 8 The company is not responsible for compensation for the following items:
Motors, electrical appliances and electrical equipment are damaged by excessive use or overvoltage, lineage, arcing, leakage, self-heating, etc.;
Loss caused by the insured’s family or hiring staff or co-residents or boarders stealing insurance property;
Stacked on the balcony or open-air property, or use the materials such as mats, straw, oil felt, straw, reed, bamboo poles, canvas, etc. as the outer wall, the roof of the shed and the shed under the shed, due to storms, heavy rain, theft or robbery The damage caused;
Failure to do so shall result in the sinking of the foundation of the building, the occurrence of cracks or collapse of the building;
Theft of the insured property in the event that the depository is unoccupied or unattended for more than seven days;
Theft of the insured property due to the lack of doors and windows;
Theft or robbery suffered by the insured property in the event of an insured event as set out in Article 3 of this article.
Insurance amount and insurance deposit
Article 8 This insurance shall be insured in the form of each fixed insurance amount; the insured may determine the number of insurance insured according to the actual value of the family property at the time of insurance.
Article 9 The insurance deposit shall be paid in full at the time of signing the insurance contract by 3 - 5% of the insurance amount.
Article 10 Regardless of whether an insurance accident occurs during the validity period of the insurance contract, the insurance deposit is fully refunded to the insured when the insurance contract is terminated.
Article 11 If the insured is required to return the deposit in the middle of the 3rd anniversary of the insured period, the company shall charge the cost of the work according to a certain percentage of the deposit; the warranty period shall be less than 3% for one year; 2 years for less than 2 years. , 2 years less than 3 years, 1%; 3 years or more.
Term Insurance
Article 12 From the zero day after the issuance of the insurance policy, the insured shall not be allowed to withdraw the insurance deposit, the insurance shall be valid for 10 years and may be renewed after 10 years.
Compensation treatment
Article 13 When the insured claims, he shall provide the company with insurance policy, loss list, public security department certificate and other necessary documents.
Article 14 In the event of loss of insurance property within the scope of insurance liability, the Company shall calculate the amount of compensation according to the actual value of the insurance property at the time of the accident, but the maximum amount shall not exceed the amount of insurance specified in the insurance policy.
Article 15 After the insurance property is partially compensated by the company, the insurance contract shall continue to be valid, but the insurance amount shall be reduced accordingly. The amount of reduction is issued by the company.
Article 16 Where a loss within the scope of insurance liability shall be compensated by a third party, the insured may claim compensation from the company or may make a claim against a third party. If the insured claims to the company, it shall transfer the right to subrogate the third party from the date of receipt of the indemnity. When the Company exercises the right of subrogation claim to a third party, the insured shall actively assist and provide the company with the necessary files and relevant information.
Article 17 The remaining part of the insurance property after the loss shall be converted into the insured at the price and deducted from the indemnity.
Article 18 When an insurance accident occurs, if other insurance covers the same liability, regardless of whether the insurance is insured by the insured or others, the company only bears the responsibility of proportionally apportioning.
Article 19 The time limit for the insured's claim shall not exceed two years from the date on which the insured event is known to occur.
Insured and insured obligations
Article 20 The insured shall abide by the provisions of the State and relevant departments on fire protection, safety, etc., take reasonable precautions to prevent the occurrence of insurance accidents, and make reasonable suggestions for the elimination of unsafe factors and hidden dangers proposed by the company and relevant departments. It should be seriously implemented.
Article 21 In the period of validity of the insurance contract, if the name of the insured, the nature of the possession of the insurance property, the address of the insurance property, the degree of danger, etc., the insured shall promptly apply in writing to the company for approval.
Article 22 When an insurance accident occurs, the insured shall endeavor to take necessary measures to prevent or reduce the loss and immediately notify the company.
Article 23 If the insured and the insured fail to perform the obligations stipulated in Articles 20-22, the company has the right to refuse compensation or terminate the insurance contract from the date of written notice.
something else
Article 24 If the insured and the company cannot reach an agreement in dispute, they may apply to the arbitration institution for arbitration or bring a lawsuit to the court.
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