Jinniu Investment Guarantee (3 Years) Family Property Insurance

Insurance introduction:

The second generation of “Golden Bull” family property insurance has been available in the near future. Like the same generation of products, it has a wide range of protection, including fires, explosions and other natural disasters and accidents other than earthquakes. You can also choose special responsibilities for burglary, passage rupture and water stains according to your needs; the cash you care most about. Valuables such as gold and silver, jewellery, jade, diamonds, and jewelry will also be protected by this product. The insurance investment is stipulated in parts, and each insurance investment is 2,000 yuan. Not only can the insurance coverage of 10,000 yuan be obtained, but after the expiration of the contract period of 3 years, whether it has received insurance compensation, it can receive the principal of 2,000 yuan. And get 132 yuan of investment income.

Terms and conditions:

1. Jinniu Investment Guaranteed Family Property Insurance Clause

Insurance target

Article 1 The following family property is within the scope of the subject-matter:

House and interior decoration;

Indoor property:

1. Household appliances and cultural and entertainment products,

2, clothing and bedding,

3. Furniture and other living utensils,

4, cash, gold and silver, jewelry, jade, diamonds and products, jewelry.

Article 2 The following family property is not within the scope of the subject-matter:

Treasures, antiques, calligraphy and painting, stamps, art, rare metals and other precious goods;

Tickets, securities, files, books, books, charts, technical materials, computer software and materials, and property that cannot be valued;

Wireless communication tools, daily consumables, vehicles, animals and plants;

Property used for industrial and commercial production and business activities and houses leased for business and industry;

Illegal buildings, temporary buildings, illegally occupied property;

Other family property not listed in the first article.

Insurance duty

Article 3 During the period of this insurance, any insured person who owns, shares with or keeps on behalf of others, and is located in the place of insurance listed in this insurance contract, is subject to the following basic liabilities or insurance The insurer is responsible for the loss caused by the special liability of the person selected:

Basic responsibility

1. Fire and explosion;

2. Lightning strikes, typhoons, tornadoes, storms, heavy rains, floods, blizzards, locusts, ice, earth and rock, cliffs, landslides, and sudden subsidence of the ground;

3. Flying objects and other airborne objects fall;

4. The collapse of a building or other fixed object that is not owned or used by the insured.

Special responsibility

1. Responsibility for theft and robbing: the smuggling of foreigners who have been confirmed by the public security department, such as smashing the door and window, smashing the wall, and robbing the room, failing to solve the case within three months or recovering the case within three months but not recovering the loss .

2, path rupture and water stain responsibility: the tap water passage, the sewer passage, the heating passage or the sudden rupture of the radiator caused the overflow of the water flow or the leakage of the neighbor's home caused the loss of the insurance target.

Article 4 The following insured and expenses, the insurer is also responsible for compensation:

In the event of an insurance accident, in order to rescue the subject of insurance or prevent the spread of the disaster, take necessary and reasonable measures to cause the loss of the subject matter of the insurance;

After the insured event, the insured must pay the necessary and reasonable expenses to prevent or reduce the loss of the subject matter of the insurance.

Liability exemption

Article 5 The insurer shall not be liable for compensation for losses caused by the following reasons:

Illegal, criminal or intentional acts of the insured and their family members, boarders, and hiring personnel;

War, hostile acts, military acts, armed conflicts, strikes, riots, riots, terrorist activities;

Earthquakes and their secondary disasters;

Administrative or judicial conduct of state organs.

Article 6 The insured shall not be liable for compensation for the following losses and expenses:

The subject matter of the insurance subject to various indirect losses caused by the insurance accident;

Household appliances are damaged by excessive use, overvoltage, short circuit, open circuit, electric leakage, self-heating, baking, etc.;

The defects of the insurance target itself, the damage caused by poor storage; the damage caused by the deterioration of the insurance target, the enzyme rot, the moisture, the insect bites, the natural wear, the natural loss, the spontaneous combustion, and the baking;

Loss of property not within the scope of the insurance policy.

Article 7 The insurer shall not be liable for any losses or expenses that are not within the scope of insurance liability.

2. Jinniu Investment Guaranteed Family Property Insurance Clause

Insurance value and insurance amount

Article 8 The insurance value of the house and interior decoration is the replacement value at the time of the accident; the insurance value of the indoor property is the actual value at the time of the accident.

Article 9 The amount of insurance shall be 10,000 yuan per copy, of which the amount of housing and interior decoration insurance is 8,000 yuan, and the amount of indoor property insurance is 2,000 yuan. The insured person determines the amount of insurance and the number of insured shares based on the actual value of the insurance subject at the time of insurance. If the sum of the insurance premium exceeds the insurance value, the excess is invalid.

Insurance investment, insurance, income, annual yield and payment

Article 10 The insurance investment fund corresponding to each insurance is 2,000 yuan.

Article 11 The annual insurance premium for each insurance is 12 yuan. The insurance premium is obtained by the insurer from the investment income, and the insured does not have to pay separately in addition to the insurance investment.

Article 12 The annual rate of return is the rate at which the insurer uses the one-time payment to the policyholder's fixed investment return after the expiration of the insurance contract. The income is the product of the annual rate of return and the amount of the insurance investment and the number of years of insurance during the insurance period.

Article 13 The payment is the amount paid by the insurer to the insured in accordance with the insurance contract. The payment includes the maturity payment and the surrender payment. The maturity payment is the sum of the insurance investment and the income; the surrender payment is the amount paid by the insurer to the insured under the provisions of Article 32 when surrendering. The payment is not affected by the occurrence of an insurance accident and whether the insured has received insurance compensation.

Insurance period and insurance year

Article 14 During the insurance period, the insured shall determine one of the choices given in the “Golden Bull Insurance Contract Income List”, and may not be changed in the middle. Every 12 months is an insurance year from the date of insurance liability.

Insured and insured obligations

Article 15 The insured shall pay the insurance investment in one lump sum at the time of insurance. The insurance contract takes effect after the insured has paid the insurance investment in one lump sum.

Article 16 The insured shall perform the obligation of truthful disclosure and truthfully answer the inquiries made by the insurer on the subject matter of the insurance or the relevant circumstances of the insured.

If the insured deliberately conceals the facts and fails to perform the obligation of truthful disclosure, or fails to perform the obligation of truthful disclosure due to negligence and is sufficient to influence the insurer to decide whether to agree to the insurance or to increase the insurance premium rate, the insurance contract shall be released from the date of arrival of the insurer's cancellation notice.

The insurer has the right to refuse compensation if the insured deliberately fails to perform the obligation of truthful disclosure, or fails to perform the obligation of truthful disclosure due to negligence and has a serious impact on the occurrence of the insured event.

Article 17 If the insured determines multiple insured persons, it shall be listed in this insurance contract. If the insured determined by the insured is not the insured, the insured's written consent shall be obtained.

During the insurance period, if the insured changes the insured, the insured shall obtain the written consent of the insured and notify the insurer in time to go through the formalities for change.

Article 18 The insured shall comply with the relevant fire safety and safety regulations of the State and maintain the safety of the subject matter of insurance.

Article 19 During the period of this insurance, the situation of the subject-matter insured shall change. The insured or the insured shall promptly notify the insurer and, after consultation with the insurer, change the relevant contents of the insurance contract.

Article 20 When the subject-matter insured suffers losses, the insured shall actively rescue the loss to a minimum, and shall notify the insurer within 24 hours and in writing within five working days after the accident. Notify the insurer of the cause, passing and loss of the accident.

Article 21 If the insured or the insured fails to perform any of the obligations stipulated in Articles 17 to 20, the insurer shall not be liable for compensation, or the insurance contract shall be terminated from the date of delivery of the notice of termination.

3. Jinniu Investment Guaranteed Family Property Insurance Clause

Compensation treatment

Article 22 In the event of a loss within the scope of insurance liability, the insurer shall calculate the compensation according to the actual loss within the scope of the insurance amount, but the following appointments shall apply:

In the event of loss within the scope of the burglary liability, the maximum amount of compensation per year during the insurance period shall be 1,000 yuan per copy;

In the event of a loss of passage and water loss, the maximum amount of compensation per year during the insurance period shall not exceed 1,000 yuan per copy;

Compensation for cash, gold and silver, jewellery, jade, diamonds and products, and jewellery, the maximum compensation for each accident is 200 yuan per copy. If the number of insurances is multiplied by 200 yuan, no matter how many copies are insured, The maximum amount of compensation that an insured person enjoys in the insurance contract is 2,000 yuan; if the insured person of the same address is covered by the same clause of the insurer, regardless of whether the insured is the same person, the number of insurance shares is combined.

The necessary and reasonable rescue expenses paid by the insured shall be calculated separately from the actual amount of compensation for the loss of the insurance subject, and the maximum amount is the amount of the insured property.

Article 23 The residual part of the subject-matter insured subject to the loss shall remain with the insured and shall be deducted from the amount of the discount.

Article 24 When the insured applies for compensation from the insurer, it shall provide the original insurance policy or insurance certificate, property loss list, invoice, expense document, certificate of the relevant department and other documents or evidence proving the actual loss.

Article 25 Where the losses within the scope of insurance liability shall be the responsibility of the responsible party concerned, the insured shall file a claim in writing with the responsible party. The insurer shall, from the date of payment to the insured, obtain the right to recover the subrogation within the scope of the compensation amount. When the insurer recovers from the responsible party, the insured shall actively assist and provide the necessary files and relevant information.

Article 26 After the insurance subject suffers losses in an insurance year, the insured amount shall be reduced accordingly; the insured or the insured may apply for the restoration of the insured amount, subject to the corresponding insurance premium. Regardless of whether the annual insurance amount is restored, the insurance amount for the next insurance year is automatically restored.

Article 27 After an insurance accident occurs, if the insured has duplicate insurance, the insurer shall only be responsible for the proportional apportionment. The insurer shall not be liable for the liability for compensation by other insurers.

Article 28 If the insured's right to claim compensation from the insurer does not exercise within two years from the date of the insured event, the insured shall be deemed to have waived the right to claim against the insurer.

4. Jinniu Investment Guaranteed Family Property Insurance Clause

Article 29 If the insured receives the payment after the expiration of this insurance contract period, he may apply for all or part of the surrender to receive the corresponding payment before the expiration. If the insurance is fully surrendered before the expiration of the period, the insurance contract shall be cancelled; if the part is surrendered, the insurance investment fund and the corresponding insurance amount shall be reduced accordingly.

The insured does not have the right to receive the payment.

Article 30 When receiving the payment, the insured shall provide the original insurance policy, his ID card or other valid documents that can prove his identity.

When the insured person is a legal person or other organization, the original insurance policy, legal person certificate or other legal certificate, the legal representative or the identity certificate of the responsible person, the power of attorney signed by the legal representative or the responsible person and the identity document of the manager shall be provided.

If the applicant applies for early payment, he/she shall also submit an application for payment.

Article 31 After the expiration of this insurance contract, the insurer shall pay the insured's payment according to the amount listed in the “Golden Bull Insurance Contract Income List”. In case of late payment, the insurer will only pay the amount on the maturity date.

Article 32 When the insured surrenders, the insurer pays the payment according to the following agreement:

If the insurance contract is less than 6 months from the effective date of the insurance contract, each payment shall be deducted from the handling fee of 200 yuan per insurance investment.

If the insurance contract expires within 6 months and less than 12 months, each payment shall be deducted by 100 yuan per insurance investment.

If the insurance contract is less than 12 months after the effective period of the insurance contract, each payment shall be calculated according to the following formula: payment = insurance investment + insurance investment × × 365 × 80%)

Among them, “interest rate” refers to the interest rate of RMB demand deposits of urban and rural residents applicable to the start date announced by the People’s Bank of China.

Dispute resolution

Article 33 The disputes arising from the performance of this insurance contract shall be settled by the insured, the insured and the insurer through negotiation. If the negotiation fails, the arbitration institution shall submit the arbitration of the arbitration institution as stated in the insurance contract; if the insurance contract does not specify the arbitration institution or the arbitration agreement has not been reached after the dispute, it may file a lawsuit in the court of the People's Republic of China.

something else

Article 34 When the original of the insurance policy is lost, the insured shall handle the loss reporting procedure in time with his/her ID card; before the loss is reported, the payment shall be fraudulently paid, and the insurer shall not be liable for any loss caused by the insured.

Article 35 If the insured pledges the right to receive the payment under the insurance policy, he shall handle the main solution to the insurer. Otherwise, the pledge will not be effective for the insurer.

An insurance policy that has been processed for pledge, if the insured surrenders, receives a payment or reports a loss, in addition to the documents stipulated in Article 30 of these Terms, a certificate of consent of the pledgee shall also be provided.

Schedule: Jinniu Insurance Contract Income List

3 years during the insurance period

Insurance investment of 2000 yuan

Annual rate of return 2.20%

Income of 132 yuan

Expired payment of 2,132 yuan