Sun Alliance Insurance (China) Limited

Individual Travel Sudden Death Insurance Policy Wording

(The English translation is for reference only. In case of any discrepancies, the Chinese version shall prevail.)

General Provisions

Article 1

This Additional Contract is attached to the Main Contract with the Insurer’s consent. The generalprovisions of the Main Contractare also applied to this Additional Contract. If any provision contained in this Additional Contract is inconsistent with or in contravention of any provision in the Main Contract, the Additional Contract shall prevail.

If the Additional Contract and the Main Contract are applied for at the same time, the effective date of the Additional Contract will be the same as Main Contract.

If this Additional Contract is applied for during the period of insurance of the Main Contract, this Additional Contract will be effective once Insured pays the due premium and Insurer agrees to accept it.

This Additional Contract will terminate automatically under the following conditions: 1) The Main Contract terminates; 2) The Applicant notifies the Insurer to terminate this Additional Contract in writing.

Coverage

Article 2

If the Insured sustains an injury as a result of an Accident not defined in the Main Contracton his/her trip during the insurance period which result in the insured’s Sudden Death within 24hours from the Accident, Insurer shall provide the insurance benefit according to the amount specified under this additional contract in the policy schedule.

Exclusions

Article 3

The General Exclusions in the Main Contract are also suitable for this Additional Contract.If thereare any discrepancies, theAdditional Contract shall prevail. Insurer shall not be liable for the payment of benefit ifSudden Death is resulting of:

1Any Accident that is covered by the main contract;

2Pregnancy, abortion, childbirthof the Insured;

3Cosmetic operation, narcosis,cosmetic or plastic surgeries or any surgeries or medical operation of the insured;

4Medicine taking, application or injection by the Insured without prescription against the advice of a qualified medical Practitioner; the Insured Person under the influence of alcohol, drugs, or controlled drugs;

5Any Pre-existing Sickness or complications thereof

Insurance Benefit Application and Payment

Article 4

The insurance benefitapplicant, when applying for payment of insurance benefit, shall submit the followingmaterials. If the insurance benefitapplicant is unable to provide the following materials due to any special reason, he shall provide other legal and effective materials. If the insurance benefit applicant fails to provide the relevant materials, making the Insurer unable to verify the authenticity of the application, the Insurer shall not be liable for payment of the insurance benefit to the extent of the portion that is unable to be verified.

(1)a fully completed claim form;

(2)The original policy schedule;

(3)The identification certificate of the benefit applicant;

(4)The Insured’s death certificate issued by a second or higher class (including second class) medical institution or any other medical institution accepted by the Insurer;

(5)The Insured’s household register cancellation certificate issued by the Public Security Authorities;

(6)Any other evidence or materials in relation to the ascertainment of the nature and cause of the insured accident, the extent of loss and etc. as far as the insurance benefit applicant can provide;

(7)The original letter of authorization, the identification certificates of the entrusting party and the entrusted party, and any other relevant certificates if the insurance benefit applicant entrusts others to apply for the insurance benefit;

(8)Death certificationissuedoverseas needs to be confirmed by embassy for the PRC government.

Definitions

  1. Sudden Death: an abrupt death of a healthy person from the appearance, which is out of expectation, as a result of hidden disease or functional disorder
  2. Pre-existing Sickness: shall mean 1) Insured has suffered from the tonsils, glandular swelling, hernia or female genital diseases, which cause an ordinarily prudent person to seek diagnosis, care, or treatment preceding the effective date of the Policy; 2) or a condition for which medical advice or treatment(excluding the tonsils, glandular swelling, hernia or female genital diseases) was recommended by a physician or received from a physician within 12 months preceding the effective date of the Policy.

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