Article 1 A college student safety insurance contract (hereinafter referred to as illegal insurance contract) consists of an insurance policy and its clauses. Statements, approvals, comments, insurance policies, list of insured persons and health notification forms related to this contract are the same as other agreements.
Chapter II Subject matter of Insurance and Insurance Procedures
Article 2 All registered graduate students, undergraduates, junior college students, full-time interns, advanced students and registered students of private colleges and universities enrolled in the national unified college entrance examination in this city can participate in this insurance as the insured.
Article 3 The insured shall go through the insurance formalities with new china life insurance co Co., Ltd. (hereinafter referred to as the Company) through the school he attends.
Chapter III Insurance Liability
Article 4 If the insured dies within 180 days due to illness or accidental injury within the insurance validity period, the Company will pay the death insurance premium according to the death insurance amount specified in the insurance policy, and the insurance liability will be terminated.
Article 5 During the insurance period, if the insured suffers from physical disability or permanent loss of some physical functions within 180 days due to accidental injury, the Company will pay part or all of the insurance benefits according to the disability procedures and the personal accident insurance Compensation Table of new china life insurance co Co., Ltd. If the treatment has not been completed since the date of accidental injury 180 days, the part or all of the insurance benefits will be in accordance with the disability appraisal procedures on 180 days.
Article 6 During the validity period of the insurance, regardless of whether the insured suffers from physical disability or permanent loss of some physical functions for one or more times due to accidental injury, the Company shall pay the insurance money according to the provisions of Article 3. However, when the accumulated insurance premium paid each year reaches the full amount of insurance stated in the insurance policy, the insurance liability for that year will be terminated.
Chapter IV Exemption from Liability
Article 7 If the insured dies or becomes disabled due to the following reasons, the Company shall not be liable for paying insurance benefits:
(1) The insured commits a crime, takes drugs, fights, gets drunk, commits suicide or intentionally hurts himself;
(2) The insured drives a motor vehicle without a valid driver's license or drives a motor vehicle after spilling;
(3) The expenses incurred by the insured due to illness;
(4) Intentional behavior of the applicant or beneficiary towards the insured;
(5) War, military acts and unrest;
(6) Nuclear radiation and pollution;
(seven) plastic surgery, anesthesia, drug abuse, injection;
(8) Fraud by the applicant, the insured and the beneficiary;
(9) Other accidental injuries not covered by insurance.
Chapter V Insurance Amount
Article 8 The insured amount is RMB 1 ten thousand yuan per person per year.
Chapter VI Term of Insurance
Article 9 The insurance period shall be determined according to the academic system of students studying at school (including study, life, participation in social practice and winter and summer vacations), and less than one year shall be counted as one year. The insurance period starts from 0: 00 the day after the applicant pays the insurance premium and the company issues the insurance policy to 24: 00 the day when the insured completes the university formalities.
Chapter VII Insurance premium
Article 10 The insurance premium is 30 yuan per person per year (the rate is 3? )。 Regardless of the insured's years of education, the insurance premium is paid in one lump sum at the time of insurance.
Chapter VIII Application and Payment of Insurance Money
Article 11 If the insured suffers accidental injury or dies of illness, the applicant, the insured or the beneficiary shall notify the Company within five days from the date of the insured event (postponed in case of holidays), otherwise, the additional survey expenses incurred by the Company due to the delay in notification shall be borne by the insured or the beneficiary and can be deducted from the insurance premium paid by the Company.
Article 12 When applying for insurance benefits from the Company, the following documents shall be submitted:
(a) the insurance policy, the list of the insured and the identity card of the insured;
(two) the accident certificate issued by the applicant's school and relevant departments;
(3) If the insured dies, a death certificate issued by the public security department or medical institution shall be provided;
(4) If the insured suffers from physical disability or permanent loss of some physical functions due to accidental injury, the medical institution designated by the Company will issue a certificate of disability degree on the180th day after the end of treatment, and the case will be closed at one time;
(5) Other documents or certificates deemed necessary by the Company.
Article 13 When the insured dies, the insurance money shall be collected by the beneficiary. When the insured is disabled, the insurance money shall be collected by the insured or entrusted by others.
Article 14 If the right of the insured or beneficiary to apply to the Company for payment of insurance benefits is not exercised within two years from the date when the insured becomes aware of the occurrence of the insured accident, it will automatically become invalid.
Article 15 The beneficiary shall receive the insurance money through the insured's school.
Article 16 If the beneficiary is changed within the validity period of the insurance, the applicant shall notify the Company in writing.
Chapter IX Notice
Article 17 When a company concludes an insurance contract, it shall explain the terms of the insurance contract to the applicant and ask the insured, and the applicant shall truthfully inform him.
Article 18 If the applicant intentionally conceals the facts, fails to perform the obligation of truthful disclosure, or fails to perform the obligation of truthful disclosure due to negligence, which is enough to affect the company's decision on whether to agree to underwrite or increase the insurance premium rate, the company has the right to terminate the insurance contract.
Article 19 If the insured intentionally fails to perform the obligation of telling the truth, which has a serious impact on the occurrence of the insured accident, the Company shall not be liable for paying the insurance premium for the insured accident that occurred before the termination of the insurance contract, but it may not refund the insurance premium.
Article 20 If the insured fails to fulfill the obligation of telling the truth due to negligence, which has seriously affected the occurrence of the insured accident, the Company shall not be liable for paying the insurance premium for the insured accident that occurred before the termination of the insurance contract, but may refund the insurance premium.
Chapter X Dispute Settlement
Article 21 If a dispute arises over an insurance contract and negotiation fails, it can be settled through arbitration or a lawsuit can be brought to the local people's court.
Chapter 11 Others
Article 22 If the insured transfers schools within the city within the validity period of the insurance, the Company shall still bear the insurance liability. Until the insurance expires, the applicant shall notify the Company in writing.
Article 23 If the insured transfers to other places to study or drop out of school during the insurance period, he can go through the formalities of surrender upon the written application of the insurer, and the company will refund the insurance premium to the insured after the next school year.
Article 24 The term "accidental injury" as mentioned in the terms of this contract refers to an external, sudden and unpredictable objective event in which the insured suffers serious physical injury.
Article 25 The insured accident mentioned in this Insurance Clause Law refers to the accident within the scope of insurance liability stipulated in this insurance contract.