HUATAI PROPERTY INSURANCE CO., LTD.
CORPORATE TRAVEL CARE INSURANCE CLAUSE
ARTICLE 1 CONSTITUTION OF THE POLICY
This insurance contract (herein after abbreviated as “the Contract”) is constituted by the following documents. All the documents mutually explain and complement. If there is any conflict, the agreement and explanation in the document with the precedent serial number prevails.
1) Attached endorsements, notes and the other written agreements;
2) Insurance policy, insurance certificate and the insured persons list;
3) Insurance clauses;
4) Insurance application form and other insurance application documents and the legitimate effective statement which are related to this insurance contract.
ARTICLE 2 APPLICATION CONDITIONS
A. The Applicant: Every legitimate institute, organization and company can apply as the Applicant for their employees (not including the temporary workers or the short-term labor) this insurance policy to the Insurer. During application, the Applicant shall apply with the consent of the Insured.
B. The Insured: Every employee, aging from 18 to 65(including 18 and 65), who is physically healthy and able to study normally or working at the Applicant’s company can be the Insured in this policy. However, he/she must be in the person schedule provided by the Applicant.
ARTICLE 3 INSURANCE LIABILITIES
Within the valid period of this insurance contract, when the Insured is traveling abroad or domestically for the corporate, holding a valid ID, (any corporate travel shall not exceed 90 days), where the insured accident occurs, the Insurer shall be liable for:
A. Accident Death Benefits
If during the period of insurance, an insured person sustains the insured accidents in the course of a corporate journey, either abroad or domestically, which directly causes or results in his/her death within one hundred and eighty (180) days from the date on which the insured accident occurs, we will pay the Accident Death Benefits as the insured amount specified in the Policy or the insurance certificate and the insurance liability to the insured person terminates.
Before the insured person’s death, if a payment has been made in respect of any accident disability benefits under item 2 of this article, the accident death benefits should be the difference between the benefit payable for the Disability and the benefit payable for Accidental Death.
B. Accident Disability Benefits
If during the period of insurance, an insured person sustains the insured accidents in the course of a corporate journey, either abroad or domestically, which directly causes or results in his/her any of the Disabilities specified in the “Schedule of Benefits for Disabilities” in this insurance contract within one hundred and eighty (180) days from the date on which the insured accident occurs, the Insurer shall pay the Disability Benefits equal to a percentage of sum insured specified in the Policy according to the “Schedule of Benefits for Disabilities”. If the treatment is not finished yet, we shall pay the Disability benefits on the basis of the Disability verification which is carried out on the one hundred and eighty day after the occurrence of the accident.
If two or more disabilities according to the “Schedule of Benefits for Disabilities” have occurred to the Insured Person as in one Accident, the Insurer shall pay the sum of each Disability Benefit. If different disability items occur to the same part of body or same limb as in one Accident, only one of the Accidental Benefits shall be paid, and that will be the higher or highest percentage of sum insured for that part of body or limb if the disability levels are different.
When the Disability resulting from the present accident combines the Disabilities resulting from the previous accidents, the Insured Person is qualified for the more serious Disability Benefit item, then the Insurer shall pay the disability Benefit according the more serious Disability Benefit item. However, any previous Disability Benefits (The Benefits arising from the Disability the Insured Person has already had, or from the Disabilities that are specified in the “Schedule of Benefits for Disabilities” and in the liability exemption, or the Benefits that has been paid by the Insurer, are all called previous Disability Benefits) will be deducted from the further payment for this subsequent Disability.
C. The Insurer’s liability of paying the Benefits shall terminate when the sum Benefits reach the sum insured of every Insured Person, which is stated in the Policy or the insurance certificate. When the Benefits paid once or in aggregate reach the sum insured, the Insurer’s liability to the Insured shall terminate.
ARTICLE 4 LIABILITY EXEMPTIONS
A. The Insurer shall not pay the Benefits for death or disability of the Insured Person directly or indirectly arising as a result of:
(1) the Beneficiary/Beneficiaries intentionally killing or hurting the Insured Person; any intentional actions by the Applicant or the Insured Person to make the insured accident;
(2) Insured Person is engaging or taking part in illegal, criminal activities, resistance of arrest, suicide or intentional self-inflicted injury;
(3) Insured Person’s fighting, getting drunk, ingestion, application or injection of drugs, under the influence of alcohol, drugs or controlled medicine, ingestion, application or injection of medicine without compliance with the prescription of doctors;
(4) accidents while mental disorder or insane;
(5) any bacterial, virus or parasite infection (except for suppuration of laceration caused by an Accident)
(6) accidents caused by the medical inspection, anesthetization, surgery treatment(including cosmetic surgery) and the medical treatment;
(7) declared death by the court because of the reasons other than accidents or natural hazards;
(8) explosions, burning or radiation caused by biological, chemical or atomic energy weapons, or atomic or nuclear equipment;
If one Insured Person is dead of any above mentioned reason, the Insurer’s liability to the Insured Person shall terminate and refund the unearned premium of the Insured Person.
B. The Insurer shall not pay the Benefits for death or disability of the Insured Person directly arising from the accident under the following circumstances:
(1) driving under the influence of alcohol or without a driving license or a valid vehicle license;
(2) Insured Person's pregnancy, miscarriage, childbirth;
(3) Insured Person’s having Acquired Immune Deficiency Syndrome (AIDS) or being masculine with infection of the Human Immune Deficiency Virus (HIV);
(4) participating in high risk sports or activities, such as diving, parachuting, gliding, skiing, water-skiing, ballooning, bungee, surfing, rock climbing, river drifting, hunting, adventure exploring activities, martial art contests, wrestling, stunt performances, horsing riding, horsemanship, car racing, boxing, etc.
(5) participating in any professional or semi-professional sport activities;
(6) exerting military or police mission or exerting mission as the law enforcement roles;
(7) being employed on merchant vessels, engaging in naval, military or air force services or operations; testing of any kind of conveyances; being employed in offshore activities, i.e., oil rigging, mining, aerial photography or handling of explosives;
(8) engaging in mining, oil or petrochemistry, forest harvesting, construction engineering, transportation, and working in water or operating at heights of any kind; any jobs related to the labor work or operations;
(9) during period of detention or imprisonment;
(10) aviation or aerial activities including as a pilot or aircrew member except air travel solely as a passenger in a commercial aircraft;
(11) war (whether war is declared or not), civil war, military action, terrorist acts, riots or the other similar armed rebellion;
(12) the journey for the private purpose or the other non-corporate business purposes.
(13) if the journey was taken while the Insured Person was unfit to travel or against the advice of a Physician;
(14) any expenses occurring if the Insured Person was fit to corporate travel but did not follow the Physician’s instructions to return immediately to his/her permanent residence, which leads to the deterioration of the disease.
Under the above mentioned circumstances or within the period, if the Insured Person dies, the Insurer’s liability to the Insured Person shall terminate and refund the unearned premium of the Insured Person.
ARTICLE 5 CORPORATE TRAVEL ASSISTANCE SERVICES
During the Insured Person’s domestic or expatriate corporate travel, if any emergency or urgent needs occur, the Insured Person may call the emergency hotline specified in the Policy or the insurance certificate and obtain the free information provided by the emergency assistant institute or its authorized representatives (herein after abbreviated as “the Emergency Institute”) consigned by the Insurer within the following assistant scope. Nevertheless, any expenses, that the Insured Peron should pay to the service provider for the assistant services, shall be on the Insured Person’s account. The emergency Institute does not guarantee the service quality provided by the third party service provider. The final service choice depends on the Insured Person.
A. Medical Assistance
1. Telephone Medical Advice
Our 24 hours’ telephone service will provide you with the medical advices.
2. Medical Service Provider Referral
Upon the request of the Insured Person, we can provide the information about the name, address telephone number and the office hours of the physicians, hospitals, clinics, dentists and the dentist clinics (herein after called “medical service provider”). Emergency institutes are not responsible fot the medical diagnosis or treatment.
3. Arrangement of Appointment with Doctors
We can help the Insured Person to arrange an appointment with the local doctors, but will not cover any expenses relating to this.
4. Arrangement of Hospital Admission
If the Insured Person is seriously sick and need to enter a hospital, the emergency institute can help to arrange the admission to the hospital.
5. Monitoring of Medical Conditions when Hospitalized
Complying with the respective secrecy rules or the authorizing duties, the emergency institute will be monitoring the Insured Person’s health conditions during hospitalization period and on the way back to China.
B. Travel Assistance
1. Inoculation and Visa Requirement information
The emergency institute will provide the information about visa and inoculation of different countries.
2. Interpreter referral
The emergency institute will provide the information about the interpretation service of the journey destination, such as the address, telephone number and the office hours, etc.
3. Loss of Luggage Assistance
The emergency institute will help the Insured Person to find the respective party to find the lost luggage.
4. Loss of Passport
The emergency institute will help the Insured Person to find the respective party to find the lost passport or reissue one.
5. Embassy Referral
The emergency institute will provide to the Insured Person the address, telephone number or the office hours and so on of the nearest embassy or consulate.
6. Weather and Exchange Rate Information Assistance
Provide the weather forecasting and the temperature of the journey destination and the worldwide major currency exchange rate.
7. Emergency message Transmission
When the Insured Person is hospitalized during his/her expatriate journey and request to contact his/her family, friend or company, the emergency institute will help to pass on the urgent message to them.
ATTICLE 6 INSURANCE PERIOD
The insurance period of this contract is one (1) year. Except for the special agreement, the Insured Person shall be liable for the insured accident specified in the insurance policy or certificate, which happened in the Insured Person’s corporate travel. However, if the Applicant paid the premium later than the commencement time stated in the Policy, the commencement time of the insurance period shall be the 00:00 hours of the actual date that the Applicant pay the premium (Beijing Time).
The Applicant may apply for Policy renewal on or before the policy due date. The Policy shall be in effect for another year with our consent and then the renewal premium is paid.
If at the due date of the Policy the Applicant is not qualified for the applying conditions requested by the Insurer, the Insurer will not accept the renewal application.
ARTICLE 7 EXTENSION OF THE INSURANCE PERIOD
If during a journey within the insurance period, an Insured Person is a victim of a hijack, which leads to the delay of his/her journey, and the insurance contract is due. The coverage provided by this Policy shall extend automatically to the time when the Insured Person is completely out of the state of hijacking.
ARTICLE 8 SUM INSURED AND PREMUIM
A. Sum Insured shall be determined by the Applicant and the Insured. Different Insured Person’s accident injury may be different.
B. Once determined, the sum insured can not be changed. The sum insured is the maximum limit of the Insurer’s indemnity liability.
C. The premium shall be calculated according to the sum insured and the insurance rate and be specified on the Policy and insurance certificate.
D. When renewal of the Policy, if the Insurer adjust the rate or the Insured Person’s amount change, the premium shall be recalculated according to the rate and the actual number of insured persons at the time of renewal.
ARTICLE 9 GRACE PERIOD
At the expiry date of the contract, if the Insurer accepts the renewal, fifteen (15) days after the expiry date are the grace period of paying premium. If there is any insured accident happened in this period, the Insurer shall still be liable for the indemnity, but the premium payable shall be deducted from the benefits.
Except there is any special agreement, if the Applicant did not pay the premium after the grace period, the contract shall be terminated after the 00:00 hours of the next date after the grace period.
ARTICLE 10 TRUTHFUL DISCLOSURES
Before an insurance contract is signed, the insurer shall disclose to the applicant the contents of clauses of the contract, especially the clause of liability exemption, and also may make written inquiry on conditions relating to the situation about the Applicant/Insured, and the Applicant/Insured shall disclose thereto truthfully in writing.
The Applicant shall provide the list of the Insured Person according to the requirements of the Insurer when apply.
If the Applicant/Insured fails intentionally to execute the truthfully-reporting responsibility, the Insurer shall have the right to terminate the insurance contract. The Insurer will not bear the liability to pay the insurance benefit for the insurance accidents that occur prior to the termination of the insurance contract, and will not return the insurance premium