The amount of accidental disability insurance is 1000000.

The amount of accidental medical insurance is 10000.

China Ping An Insurance Co., Ltd.

Ping an short-term comprehensive accident insurance clause

(Ping Bao Fa [1999]No. 1 17 and 1999 were approved by the CIRC for the record)

Article 1 Composition of an insurance contract

This insurance contract (hereinafter referred to as "this contract") consists of insurance policies or other insurance certificates, attached clauses, insurance application forms and other insurance documents related to this contract, legal and effective statements, opinions, attached approval forms and other written agreements.

Article 2 Insurance liability

During the validity period of the insurance liability of this contract, the Company undertakes the following insurance liabilities:

I. Accidental death insurance:

If the insured suffers an accidental injury accident and dies due to the accident within 180 days from the date of the accident, the company will pay the "accidental death insurance money" according to the amount of accidental injury insurance, and the insurance liability will be terminated.

Second, the accident disability insurance:

If the insured suffers an accidental injury accident, within 180 days from the date of the accident, if one of the degrees of disability listed in the Table of Disability Degree and Compensation Proportion attached to this contract, the company will multiply the proportion listed in the table by the amount of accidental injury insurance and pay the "accidental disability insurance". If the treatment is still not over, disability appraisal shall be conducted according to the physical condition on the180th day, and disability insurance money shall be paid accordingly.

If the insured suffers from two or more disabilities listed in the Table of Disability Degree and Payment Proportion due to the same accident, the Company will pay the sum of the corresponding disability insurance benefits. However, when different disability items belong to the same hand or foot, only one disability insurance premium will be paid; If the disability level of the disability project is different, the disability insurance money for the more serious project will be paid.

If the disability caused by the accident is merged with the previous disability, and the disability insurance benefits of heavier items can be paid according to the standards of heavier items, the disability insurance benefits paid before the insurance should be deducted (the disability listed in the Disability Degree and Payment Proportion Table caused by exemption from liability).

The cumulative payment amount of accidental death and accidental disability insurance for each insured is limited to the amount of accidental injury insurance.

Three, accident medical insurance:

When the insured suffers an accidental injury accident and receives accidental injury treatment, if the reasonable medical expenses actually paid by the insured exceed RMB 65,438+000 within 180 days from the date of the accident, the Company will pay "accidental medical insurance premium" to the excess.

If the insured suffers multiple accidental injuries, the Company shall pay "accidental medical insurance premium" separately according to the regulations, but the cumulative payment amount shall not exceed the amount of accidental medical insurance.

Article 3 Exemption from liability

When the insured dies, becomes disabled or suffers medical expenses due to one of the following circumstances, the Company shall not be liable for paying insurance benefits:

1. The insured and the beneficiary intentionally kill or hurt the insured;

2. The insured intentionally commits a crime or resists arrest, commits suicide or intentionally injures himself;

3. The insured fights, gets drunk, takes, smokes or injects drugs;

Four, the insured drunk driving, driving without a license and driving a motor vehicle without a valid driver's license;

Five, the insured abortion, childbirth;

6. Medical accidents caused by cosmetic surgery or other internal and surgical operations of the insured;

Seven, the insured did not follow the doctor's advice, taking, smearing or injecting drugs without authorization;

Eight, the insured engaged in skydiving, adventure activities, martial arts competitions, wrestling competitions, stunts, horse racing, car racing and other high-risk sports;

9. The insured suffers from AIDS or is infected with HIV (HIV positive);

10. War, military action, riot or armed rebellion;

Eleven, nuclear explosion, nuclear radiation or nuclear pollution.

In case of the above-mentioned circumstances and the death of the insured, the insurance liability of the Company to the insured shall be terminated, and the unexpired net premium shall be refunded on a daily basis (if it is less than one day, it shall be counted as one day).

In addition, the company is not responsible for paying the insurance premium for the self-funded items and drugs stipulated by the social medical insurance (including public expenses and labor insurance) management department.

Article 4 Period of insurance

The insurance period of this contract starts from the time when the company agrees to underwrite, issue an insurance policy and collect the insurance premium until the agreed termination.

Article 5 Insurance amount and insurance premium

The insurance amount of this contract shall be agreed by the applicant and the company, and shall be specified in this contract.

The insurance premium of this contract is calculated according to the insurance period, and the specific standards are shown in the attached table. The insured must pay the insurance premium in one lump sum at the time of insurance.

Article 6 tell the truth

When concluding this contract, the Company shall clearly explain the terms of this contract, especially the exemption clauses, and may make written inquiries to the applicant and the insured, and the applicant and the insured shall truthfully inform them.

If the applicant or the insured intentionally fails to fulfill the obligation of telling the truth, the Company has the right to cancel this contract or the qualification of the insured; For insurance accidents that occur before the termination of this contract or qualification, the company is not responsible for paying the insurance premium, nor will it refund the insurance premium.

If the applicant or the insured fails to fulfill the obligation of telling the truth due to negligence, which is enough to affect the company's decision on whether to agree to underwrite or increase the insurance rate, the company has the right to dissolve this contract or the qualification of the insured; In case of 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 this contract or qualification, but shall refund the unexpired net premium on a daily basis (if the number of days is less than one day, it shall be counted as one day).

Article 7 designation and change of beneficiaries

The beneficiary of "accidental death insurance" in this contract is the legal heir of the insured, and the beneficiary of "accidental disability insurance" and "accidental medical insurance" is the insured himself. The company will not accept the designation or change.

Article 8 Notice of Insurance Accident

The applicant and beneficiary shall notify the Company within five days from the date when they know or should know the occurrence of the insured accident. Otherwise, the insured or beneficiary shall bear the increased exploration and inspection expenses due to the delay in notification. Except for the delay caused by force majeure.

Article 9 Application for insurance money

I. Application for accidental death insurance money

The beneficiary, as the applicant, fills in the Application for Insurance Payment and applies for insurance payment to the Company with the following documents and materials:

1, insurance policy or other insurance certificate;

2, the beneficiary's household registration certificate and identity certificate;

3. The death certificate of the insured issued by the public security department or the medical institution recognized by the Company;

4. If the insured declares death, the beneficiary shall provide the certificate of death declaration issued by the people's court;

5. Certificate of cancellation of the insured's household registration;

6. Other certificates and materials that can be provided by the beneficiary to confirm the nature and cause of the insured accident.

Second, the application for accidental disability insurance money

The beneficiary, as the applicant, fills in the Application for Insurance Payment and applies for insurance payment to the Company with the following documents and materials:

1, insurance policy or other insurance certificate;

2, the beneficiary's household registration certificate and identity certificate;

3. A disability certificate issued by a hospital recognized by our company;

4. Other certificates and materials that can be provided by the beneficiary to confirm the nature, cause and degree of injury of the insured accident.

Three. Accident medical insurance application

The beneficiary, as the applicant, fills in the Application for Insurance Payment and applies for insurance payment to the Company with the following documents and materials:

1, insurance policy or other insurance certificate;

2, the beneficiary's household registration certificate and identity certificate;

3. The original diagnosis certificate and medical expense certificate issued by the medical institution recognized by the company;

4. Other certificates and materials that can be provided by the beneficiary to confirm the nature, cause and degree of injury of the insured accident.

4. Within ten days after receiving the applicant's application for payment of insurance benefits and the above-mentioned certificates and materials, the company will issue a notice of refusal to pay insurance benefits to the applicant if it does not belong to the insurance liability. Reach an agreement with the applicant to determine the insured's insurance amount, and perform the insurance liability within ten days after reaching the agreement.

5. If the company cannot determine the amount of insurance benefits within 60 days from the date of receiving the application for insurance benefits from the applicant and the above-mentioned relevant certificates and materials, it shall pay the minimum amount that can be determined according to the existing certificates and materials, and the company will pay the corresponding difference after finally determining the amount of insurance benefits.

6. If the insured returns after being declared dead, the beneficiary of the insurance money shall return the insurance money paid by the Company within 30 days after he knows or should know that the insured is alive.

Seven, the beneficiary of the company's right to request payment of insurance benefits, since he knew or should have known that the insurance accident occurred two years from the date of failure to exercise and disappear.

Article 10 Change of address

When the applicant's address changes, it shall notify the company in writing in time. If the applicant fails to give a written notice, the company will send the relevant notice to the last address indicated in this contract.

Article 11 Changes of Contract Contents

During the validity of this contract, the relevant contents of this contract can be changed through consultation between the applicant and the company. If there is any change in this contract, the Company shall endorse or attach an approval form to the original insurance policy or other insurance documents, or the applicant and the Company shall conclude a written agreement on the change.

Article 12 Handling of the Insured's Termination of the Contract

Within the validity period of this contract, if there is no claim, the applicant may terminate this contract by written notice.

1. When the applicant requests to terminate the contract, he shall provide the following certificates and materials:

1, applicant's certificate and insurance policy or other insurance documents;

2. Insurance premium receipt;

3. Application for termination of the contract;

2. If the applicant requests to terminate the contract, the insurance liability of this contract shall be terminated from the date when the company receives the application for termination of the contract. The Company shall refund the unexpired net premium on a daily basis within 30 days from the date of receipt of the above certificates and materials (if it is less than one day, it shall be counted as one day).

Article 13 Dispute settlement

During the performance of this contract, if there is any dispute between the two parties, it can be settled through consultation. If negotiation fails, it may apply for arbitration or bring a lawsuit to the court where the insurer's branch is located.

Article 14 Interpretation

[Company]: refers to China Ping An Insurance Co., Ltd.

[Accidental injury]: refers to the physical injury caused by external, sudden, unintentional and non-disease objective events.

[Diving]: refers to underwater sports with auxiliary breathing equipment in rivers, lakes, seas, reservoirs, canals and other waters.

Rock climbing refers to climbing cliffs, external walls of buildings, artificial cliffs, ice cliffs and icebergs.

Wushu competition: refers to the antagonistic competition between two or more people in judo, karate, taekwondo, Sanda, boxing and other boxing methods and various instruments.

"Adventure" refers to the act of deliberately putting yourself under certain natural conditions when you know that you are in danger of losing your life or hurting your body, such as drifting in rivers, hiking through deserts or inaccessible virgin forests.

[stunt]: refers to engaging in special skills such as equestrian, acrobatics and animal training.

[AIDS]: refers to acquired immunodeficiency syndrome;

[HIV]: refers to the acquired immunodeficiency syndrome virus.

The definition of acquired immunodeficiency syndrome should be based on the definition formulated by the World Health Organization. If the acquired immune deficiency syndrome virus or its antibody is found in blood samples, it can be considered as infected with AIDS or HIV.

[Net premium]: refers to the premium paid minus management fees (including operating expenses, taxes and fees, insurance guarantee funds, etc.). ) and agency fee, the deducted part is 50% of the premium paid on the first day and 65,438+06.7% of the premium paid thereafter.

China Ping An Insurance Co., Ltd.

Table of Disability Degree and Payment Proportion

Grade item disability grade payment

proportion

sequence

one

Grade?One

two

three

four

five

six

seven

eight

Permanent complete blindness in both eyes (note 1)

Loss above wrist joint of both upper limbs or ankle joint of both lower limbs.

Loss of wrist joint above one upper limb and ankle joint above one lower limb.

Permanent complete blindness in one eye and loss of wrist joint or above in one upper limb.

One eye is completely blind forever, and one lower limb is lost above the ankle joint.

Permanent complete loss of joint function of limbs (Note 2)

Complete and permanent loss of chewing and swallowing function (Note 3)

The function of the central nervous system or the function of the thoracic and abdominal organs is extremely damaged, and it is impossible to engage in any work for life. In order to maintain the necessary activities of daily life, we need the help of others (Note 4)

100%

sequence

two

Grade?Nine

12 upper limbs, or 2 lower limbs, or 1 upper limb and 1 lower limb, each with 2 or more major joints permanently losing their functions (Note 5).

Ten fingers are missing (note 6)

75%

sequence

three

Grade?Eleven

twelve

thirteen

fourteen

15 1. The wrist joint above the upper limb is lost or the three main joints of the upper limb permanently lose all functions.

The ankle joint of the lower extremity is missing or all the functions of the three major joints of the lower extremity are completely lost forever.

Permanent complete hearing loss in both ears (Note 7)

Permanent complete loss of function of fingers (Note 8)

Ten toes are missing (Note 9)

50%

sequence

four

/kloc-grade 0/6

seventeen

eighteen

nineteen

twenty

Eryi

22 1 eye is completely blind forever.

Of the three major joints of an upper limb, the function of two joints is completely and permanently lost.

Of the three major joints of a lower limb, the function of two joints is completely and permanently lost.

One hand contains thumb and forefinger, and more than four fingers are missing.

The lower limbs are permanently shortened by more than 5 cm.

Permanent complete loss of language function (note 10)

Ten toes are permanently and completely disabled.

Thirty percent

sequence

five

level

Ersan

Si Er

Erwu

Erliu

Erqi

sixteen

Among the three major joints of the upper limb, the function of one joint is completely and permanently lost.

Among the three major joints of lower limbs, the function of one joint is completely and permanently lost.

Absence of thumb in both hands

One foot and five toes are missing

Eyelids of both eyes are obviously missing (note 1 1)

Permanent total loss of hearing in one ear

Nose defect and obvious impairment of olfactory function (note 12)

20%

sequence

six

Level 30

the Trinity

The thumb and forefinger of one hand are missing, or three or more fingers including thumb or forefinger are missing.

One hand has three or more fingers, and the thumb or forefinger permanently loses its function completely.

One foot and five toes are permanently and completely disabled.

15%

sequence

seven

Grade three, grade three

One thumb or forefinger is missing, or two or more fingers of middle finger, ring finger and little finger are missing.

The thumb and forefinger of one hand are permanently completely incapacitated.

10%

Note: (1) Blindness includes people who have lost or removed their eyeballs, or who can't distinguish between light and dark, or who can only distinguish between eyes and hands. The best corrected visual acuity is lower than 0.02 of the international standard visual acuity chart, or the visual field radius is less than 5 degrees, and there is a medical diagnosis certificate issued by a qualified ophthalmologist.

(2) Loss of joint function means that the joint is permanently and completely stiff, paralyzed or unable to move with consciousness.

(3) The loss of chewing and swallowing function refers to the organic disorder or dysfunction caused by reasons other than teeth, which leads to the state that you can't chew or swallow except liquid food.

(4) In order to maintain the necessary activities of daily life, all the help of others means eating, defecating, undressing, living, walking and bathing. I can't do it myself. I need help from others.

(5) Three joints of upper limbs refer to shoulder joint, elbow joint and wrist joint; The three major joints of lower limbs refer to hip joint, knee joint and ankle joint.

(6) Complete amputation above the proximal interphalangeal joint of severed finger (interphalangeal joint of thumb).

(7) Hearing loss means that the average hearing loss of language frequency is greater than 90 dB, and the language frequency is 500, 1000 and 2000 Hz.

(8) Loss of finger function refers to amputation of the distal interphalangeal joint, or stiffness of the proximal interphalangeal joint or inability to consciously move the joint.

(9) Loss of toe refers to complete amputation above toe joint.

(10) Loss of language function means that more than three of the four language functions that make up a language, such as lip sound, tongue sound, mouth flap sound and throat sound, cannot be constructed, or the vocal cords are completely removed, or aphasia is caused by the injury of the brain language center, which must be certified by a qualified otolaryngologist, but does not include aphasia caused by any psychological disorder.

(1 1) Obvious eyelid defect in both eyes means that the eyelids cannot completely cover the cornea when eyes are closed.

(12) nasal defects and obvious olfactory dysfunction refer to all or half of nasal cartilage defects, bilateral nostril occlusion, difficulty in nasal breathing, irremediable or bilateral olfactory loss.

The so-called permanent complete refers to the complete loss of function after the accident 180 days, except for enucleation and obvious irrecoverability.

"Ping An short-term comprehensive accident insurance" rate table

Unit: RMB yuan

Insurance days/insurance liability accidental injury

Accidental medical treatment (insured amount per 10,000 yuan)

(insured amount per 10,000 yuan)

Day 65438 +0 0.5 0.9

0.3-0.5 on the second day and every day thereafter.

Schedule 2: Increase Table of Very Short-term Comprehensive Accident Insurance (insured amount per 10,000 yuan)

Accidental medical treatment for accidental injuries in the project.

Skiing 30% 50%

Skydiving 30% 50%

Diving 30% 50%

Field survival training 30% 50%

Bungee jumping 30% 50%

Rock climbing 50% 60%

Rebound 60% 70%

Drift 100%

Note: Anyone who has the above activities during the insurance period will be charged the premium according to the proportion listed in the attached table. If more than one project is included, the premium will be charged according to a higher proportion.

Schedule 3:

The insurance period of this type of insurance is more than one month (including one month), and if it is less than one year, it will be charged according to a certain proportion of one-year group accident insurance and group additional accident medical insurance premium. The specific criteria are as follows:

The insurance period is one month, two months, three months, four months, five months and six months.

The premium ratio is 20%, 30%, 40%, 50%, 60% and 70%.

The insurance period is seven months, eight months, nine months, ten months, eleven months and twelve months.

The premium ratio is 75%, 80%, 85%, 90%, 95%, 100%.

Note: Less than one month is counted as one month.