What are the model insurance contracts?

(1) Family Property Insurance Contract

I. Scope of the Insured Property

Article 1 This insurance covers the following family property:

(a) the house and its attachments; (two) clothing, furniture, household appliances, cultural and entertainment supplies.

Article 2 The following properties are not covered by the insured property:

(a) gold and silver, jewelry, jewelry, currency, securities, tickets, stamps, antiques, documents, account books, technical data, charts, livestock, flowers, trees, pets, cameras, audio-visual products and other priceless property; (2) Property in a state of emergency and danger; (3) Property used for production and operation; (four) other property that does not belong to the scope listed in Article 1.

Second, the insurance liability

Article 3 The Company shall be responsible for compensating the losses of the insured property at the address listed in the insurance list due to the following reasons:

(1) Fire and explosion; (2) Collapse or subsidence caused by lightning, hail, snowstorm, flood, cliff collapse, tornado, ice, debris flow and other natural disasters; (3) Falling objects and foreign objects collapse in the air; (four) the storm or rainstorm caused the collapse of the main structure of the house (external wall, roof, roof truss); (5) The insurance property stored indoors suffers from external theft or robbery with obvious traces.

Article 4 After the occurrence of an insured accident, the Company shall be responsible for the necessary and reasonable expenses paid by the insured to prevent or reduce the loss of the insured property, but the maximum compensation amount of such expenses shall not exceed the insured amount.

Third, eliminate responsibility.

Article 5 The Company shall not be liable for the loss of the insured property caused by the following reasons:

(1) earthquake and tsunami; (2) War, military action, riots, strikes, confiscation and requisition; (3) Nuclear reaction, nuclear radiation or radioactive pollution; (4) Intentional acts or gross negligence of the insured or his family members; (5) The insured property itself is defective, poorly kept, deteriorated, moldy, damp, bitten by insects and naturally worn.

Article 6 The Company is also not responsible for the compensation for the following items:

(1) Household appliances are self-destructed due to overuse or overvoltage, wire bumping, electric leakage, self-heating, etc. ; (2) Property piled on the balcony or in the open air, or property under a simple shed with reed mats, straws, linoleum, wheat straw, reeds, bamboo poles, canvas and other materials as the outer wall and roof, and losses caused by storms, rainstorms, theft or robbery; (3) Failure to carry out the construction as required causes the foundation of the building to sink, causing the cracks of the building to fall off and collapse; (4) Losses caused by family members or employees, residents or boarders of the insured who steal or connive at other people's property when entering burglary insurance; (5) Theft losses suffered when the storage place of the insured property is uninhabited or unattended for more than seven days; (6) The loss of the insured property due to the doors and windows not being closed; (7) Theft and robbery losses suffered by the insured property when the insured accidents listed in Item 1, 2, 3 and 4 of Article 3 of this Article occur.

Four. Insurance amount and premium

Article 7 The insured amount shall be determined according to the actual value of the insured property and set out in the insurance policy.

Article 8 The insurance premium shall be paid in one lump sum at the time of signing the insurance contract at the rate of 3‰ of the insured amount.

Verb (abbreviation of verb) compensation treatment

Article 9 When making a claim, the insured shall provide the Company with the insurance policy, loss list and other necessary documents.

Article 10 When the insured property suffers losses within the scope of insurance liability, the Company shall calculate compensation according to the actual value of the insured property at the time of the accident, but the maximum amount shall not exceed the insured amount specified in the insurance policy.

Article 11 After part of the losses suffered by the insured property are compensated by the Company, the insurance contract will remain valid, but the insured amount will be reduced accordingly. The reduced amount shall be endorsed by the company.

Article 12 If the loss within the scope of insurance liability is compensated by a third party, the insured may claim compensation from the Company or the third party. Where the insured claims compensation from the Company, the right of subrogation shall be transferred to the Company from the date of obtaining compensation. When the Company exercises the right of subrogation, the insured shall actively assist and provide the Company with necessary documents and relevant materials.

Article 13 When an insured accident occurs, if other insurances cover the same liability for the same insured property, regardless of whether the insurance is insured by the insured or by others, the Company will only be responsible for compensation in proportion.

Article 14 The time limit for the insured to claim compensation shall not exceed two years from the date when the insured becomes aware of the occurrence of the insured accident.

Obligations of the insured and the insured.

Article 15 When applying for insurance, the applicant shall truthfully inform the Company of the location and condition of the insured property and the relevant information of the insured.

Article 16 The insured shall abide by the provisions of the state and relevant departments on fire safety, take reasonable preventive measures to prevent the occurrence of insurance accidents, and conscientiously implement the reasonable suggestions put forward by the company and relevant departments to eliminate unsafe factors and hidden dangers.

Article 17 In the event of an insured accident, the insured shall try his best to take necessary measures to prevent or reduce losses and notify the Company immediately.

Article 18 If the applicant and the insured fail to fulfill the obligations stipulated in Articles 15 to 17, the Company has the right to refuse compensation or terminate the insurance contract from the date of written notice.

Seven. any other business

Article 19 After an insurance contract is established, the applicant may apply in writing to terminate the contract at any time, and the Company may also issue a notice to terminate the insurance contract 15 days in advance. The insurance premium within the validity period of the insurance contract shall be charged by our company according to short term rates, while the latter shall be charged on a daily basis.

Article 20 In the event of a dispute between the insured and the Company and no agreement can be reached, the insured may apply to the arbitration organ for arbitration or bring a lawsuit to the court.

(B) Personal loan mortgage home insurance comes from China Education Resources Network.

general rule

Article 1 A natural person with full capacity for civil conduct who applies for a loan from a commercial bank with a house as collateral may participate in this insurance.

Article 2 The insured under this insurance contract is the borrower, and the insured property refers to the house mortgaged when the insured applies for a loan from a commercial bank. Ancillary facilities and other indoor properties included in the value of the mortgaged house also belong to the scope of insurance property.

After the insured purchases a house, the related property attached to the house or other indoor property purchased for decoration, renovation or other reasons is not covered by this insurance property.

insured liability

Article 3 During the insurance period, the insurer shall be responsible for compensation for direct losses of the insured property listed in this insurance due to the following reasons:

1. Fire and explosion; 2. Storm, rainstorm, typhoon, flood, lightning strike, debris flow, snowstorm, hail, freezing, tornado, cliff collapse, sudden landslide and sudden ground collapse; 3. Falling objects in the air and the collapse of foreign buildings and other fixtures not owned or used by the insured.

Article 4 In the event of an insured accident, if reasonable and necessary measures are taken to rescue the subject matter insured or prevent the disaster from expanding, the insurer shall also be responsible for compensation.

Article 5 In the event of an insured accident, the insurer shall bear the reasonable and necessary rescue expenses paid by the insured to prevent or reduce the loss of the insured property. This fee is limited to the insured amount of the corresponding insured property.

exonerate

Article 6 The insurer shall not be liable for the loss of the insured property due to the following reasons:

1. War, similar acts of war, terrorist acts, military actions, armed conflicts, strikes, riots and civil strife; 2. Nuclear radiation or various radioactive pollution; 3. Administrative or law enforcement actions; 4. Earthquakes or secondary causes of earthquakes; 5. Intentional acts and gross negligence of the insured or his family members or their representatives.

Article 7 The insurer shall not be liable for the following losses and expenses of the insured property:

1. Loss or expenses of the insured property due to design errors, raw material defects, poor workmanship, building settlement, natural wear and tear and normal maintenance; 2. Any losses and expenses caused by the insured changing the housing structure without authorization; 3. The house depreciates or loses its use value; 4. Any form of fines and penalties; 5. Any indirect loss and mental loss; 6. Any losses caused by the year 2000 problem.

Article 8 The insurer shall not be liable for other losses and expenses not covered by this insurance.

Insurance period

Article 9 The insurance period starts at 0: 00 on the agreed insurance date and ends at 24: 00 on the loan term agreed in the Individual Housing Mortgage Loan Contract.

Insurance amount and premium

Article 10 The insured amount of the insured property may be determined by the insured in the following ways, but it shall not be lower than the corresponding mortgage loan principal:

1. cost price; 2. Purchase price; 3. Market price; 4. Evaluate the price; 5. Loan amount; 6. Other ways.

Eleventh insurance premiums are based on the benchmark rate and calculated according to the corresponding wholesale premium coefficient.

Obligations of the applicant and the insured

Article 12 The applicant shall fulfill the obligation of truthful disclosure and truthfully answer the insurer's inquiries about the subject matter insured or the insured.

Article 13 When signing an insurance contract, the applicant shall pay all the insurance premiums in one lump sum.

Article 14 During the term of this insurance contract, if the name of the insured changes, the professional nature of the subject matter insured changes, the address of the subject matter insured changes, the degree of danger of the subject matter insured increases or other important insurance matters change, the insured shall promptly notify the insurer in writing and pay the premium. If the insured fails to perform the notification obligation and pay the extra premium, the insurer shall not be liable for the insured accident caused by the increased risk of the subject matter insured.

Article 15 The insured shall abide by the relevant state regulations on fire control and safety and safeguard the safety of the insured property.

Article 16 When the insured property suffers losses, the insured shall actively rescue it, take necessary and reasonable measures to minimize the losses, protect the scene of the accident, keep relevant physical evidence, and immediately notify the insurer to assist in the survey.

Article 17 When applying for compensation from the insurer, the insured shall submit the original insurance policy, loss list and other valid certification materials reasonably required by the insurer as the basis for the claim.

Article 18 If the applicant and the insured fail to perform the obligations stipulated in Articles 12, 13, 15 to 17 of this contract, the insurer shall have the right to refuse compensation or terminate this insurance contract from the date when the notice of termination is served on the insured.

Compensatory therapy

Article 19 When the insured property suffers losses within the scope of insurance liability, the insurer shall compensate in accordance with the following provisions:

1. If the actual loss is equal to or higher than the insured amount, compensation shall be made according to the insured amount; 2. If the actual loss is less than the insured amount, the insurer shall compensate for the cost of restoring the damaged insured property to its original state, but only to the extent of the insured amount.

Article 20 During the insurance period, if the insured property suffers partial losses and the indemnity paid by the insurer in one lump sum does not reach the insured amount, the insured amount of the insured property will be automatically restored, and the insured does not need to pay the insurance premium. But in any case, the cumulative compensation amount of property loss insurance is limited to twice the insured amount.

Article 21 The remaining part of the subject matter insured after the loss still belongs to the insured, and the discount amount shall be deducted when calculating the actual loss.

Article 22 If the value of the mortgaged house includes ancillary facilities and other indoor properties, the calculation of loss shall be limited to the actual value at the time of loss. If ancillary facilities and other indoor properties change, the insurer shall make compensation to the extent of the actual value of the quantity, brand and specification listed at the time of mortgage.

Article 23 After accepting the claim, the insurer shall promptly investigate and verify it according to the scope of insurance liability and make compensation according to the relevant provisions of this insurance clause. In case of loss of the insured property, the insurer shall make a one-time payment to the loan bank or the insured according to the relevant agreement reached between the insured and the loan bank.

Article 24 If the loss of the insured property within the scope of insurance liability should be compensated by a third party according to the law or relevant agreements, the insured shall claim compensation from the third party in writing. Without the written consent of the insurer, the insured or his representative shall not make any commitment, refusal, consent or acceptance to a third party by himself. According to the written application of the insured, the insurer may make compensation in advance in accordance with the relevant provisions of this insurance clause and make subrogation recovery according to law. The insured shall assist the insurer to recover from the third party.

Article 25 If the insured property of this insurance policy is double-insured, the insurer shall only bear the responsibility of proportional sharing. The insurer is not responsible for paying the compensation liability that other insurers should bear.

Article 26 If the insured or his successor fails to exercise the right of claim within two years from the date when he knew or should have known that the insured accident occurred, his right of claim shall be extinguished.

Termination of the insurance contract Article 27 If the applicant, the insured or other interested parties fabricate false reasons for the accident or exaggerate the degree of loss with forged or altered relevant certificates, materials or other evidence after the occurrence of the insurance accident, the insurer shall not be liable for compensation for the false report and shall have the right to terminate this contract.

Article 28 When the insured property suffers all losses, or the insurer pays the property loss compensation in one lump sum to reach the insured amount, or the one-time compensation fails to reach the insured amount, but the accumulated compensation reaches twice the insured amount, this insurance contract will be automatically terminated.

Article 29 If the insured pays off the loan balance under the Individual Housing Mortgage Loan Contract in advance, the applicant may propose to terminate this insurance contract with the original insurance policy, loan repayment certificate of the loan bank and other relevant documents.

Article 30 When the applicant terminates this insurance contract in accordance with the provisions of Article 29 of this insurance clause, the insurer shall refund the unexpired portion of the insurance premium according to the present value, and deduct the handling fee of 5%.

If the actual underwriting period is less than one month, it shall be counted as one month.

Any other business

Article 31 In case of any dispute between the insured and the insurer due to this insurance contract, both parties shall choose one of the following two ways to settle the dispute:

(1) Any dispute arising from the performance of this insurance contract shall be settled by both parties through consultation; If negotiation fails, it shall be submitted to an arbitration commission agreed by both parties for arbitration.

(2) Disputes arising from the performance of this insurance contract shall be settled by both parties through consultation; If negotiation fails, a lawsuit shall be brought to the people's court according to law.

Article 32 The laws of People's Republic of China (PRC) shall apply to the settlement of disputes in this insurance contract.

Article 33 All agreements, notices or notices related to this insurance contract shall be in written form.

Extended insurance clause

I. Temporary Rent Compensation Clauses When the insured property has an insurance accident within the scope of insurance liability, which makes the insured house uninhabitable, the insured can obtain temporary accommodation compensation of 5% of the compensation for the loss of the insured house.

For other related matters, please refer to the relevant provisions of home insurance Clause on Personal Loan Mortgage.

Two. Compensation clause for moving expenses If the insured needs to move to other accommodation places due to an insured accident within the insurance coverage of the insured house, the insured can get compensation for moving expenses. The compensation for relocation expenses of each accident shall be 300 yuan.

For other matters, please refer to the relevant provisions on personal loan mortgage in the Home Insurance Clause.

Three. Insurance Term Extension Clause When the repayment period agreed in the loan contract expires, if the loan bank requires the borrower to be given a certain repayment grace period, the insurance term of this insurance contract will be extended accordingly, with a maximum extension of 65,438+080 days, and can only be extended once.

For other related matters, please refer to the relevant provisions of home insurance Clause on Personal Loan Mortgage.

Four. Compensation clause for clearing expenses When the insured property suffers losses within the scope of insurance liability, and the compensation amount of the property loss insurance part reaches more than 50% of the insured amount, the insurer will compensate the insured for the clearing expenses 800 yuan.

For other related matters, please refer to the relevant provisions of home insurance Clause on Personal Loan Mortgage.

(3) Life insurance contracts

Old-age security for safe and happy women (interest rate return type) clause

Article 1 Composition of an insurance contract

This insurance contract (hereinafter referred to as "this contract") consists of an insurance policy or other insurance documents and attached clauses, an application for insurance, insurance documents related to this contract, statements, comments, 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:

1. Expired survival insurance:

If the insured is still alive at the expiration of the insurance period, the company will pay the "expired survival insurance money" according to the insurance amount of the year, and the insurance liability will be terminated.

Second, the death insurance:

If the insured dies of illness within 65,438+0 years from the effective date of the policy, the Company will pay "death insurance money" at 65,438+00% of the insured amount in that year, and return the paid premium without interest, and the insurance liability will be terminated.

If the insured dies of an accident or illness after 1 year from the effective date of the policy, the company will pay the "death insurance money" according to the insurance amount of that year, and the insurance liability will be terminated.

The above-mentioned "paid premium" refers to the annual premium paid by the basic insurance amount at that time.

Three, specific women's disease insurance:

The insured suffers from the cancer listed in the Table of Specific Women's Diseases attached to this contract for the first time within 1 year since the effective date of the policy, and the Company will pay 15% of the insurance amount in that year. The payment of this insurance money is limited to one time.

Four, specific surgery insurance:

If the insured needs to undergo surgical treatment listed in the "Specific Surgical Items Table" attached to this contract for the first time after the effective date of the policy 1 year, the company will pay "specific surgical insurance premium" at the rate of 10% of the annual insurance amount for each operation. The insurance payment for the same operation or the same operation project is limited to one time.

Five, marriage allowance insurance:

If the insured gets married from the effective date of the policy to three years ago/kloc-0 years later, the company will pay "marriage allowance insurance" at 8% of the basic insurance amount; If the insured has lived for 3 years at the end of the policy year and has not received the "Marriage Allowance Insurance", the company will pay the "Marriage Allowance Insurance" at 8% of the basic insurance amount. Marriage allowance insurance payment is limited to one time.

Six, child support allowance insurance:

If the insured gives birth two years later than five years ago from the effective date of the policy, the company will pay "child-care allowance insurance money" at 8% of the basic insurance amount; If the insured survives at the end of the five-year policy year and does not receive the "child-care allowance insurance", the company will pay the "child-care allowance insurance" at 8% of the basic insurance amount. The insurance payment of childcare allowance is limited to one time.

Article 3 The Company shall not be liable for the payment of insurance benefits if the exempted insured dies under any of the following circumstances:

1. The insured and the beneficiary intentionally kill or hurt the insured; 2. The insured intentionally commits a crime or resists arrest or intentionally injures himself; 3. The insured smokes, smokes or injects drugs; Four. The insured commits suicide within 2 years from the effective date of this contract; Five, the insured drunk driving, driving without a license and driving a motor vehicle without a valid driver's license; 6. The insured suffers from AIDS or is infected with HIV (HIV positive); 7. War, military action, riot or armed rebellion; 8. Nuclear explosion, radiation or pollution.

In case of Paragraph 4 above, the Contract is terminated, and the Company will return the cash value of the insurance policy to the applicant.

In case of the above-mentioned other circumstances, this contract shall be terminated. If the insured has paid the insurance premium for more than 2 years, the company will refund the cash value of the insurance policy; If the insurance premium is not paid in full within 2 years, the company will refund the insurance premium after deducting the handling fee.

Article 4 Insurance Period The insurance period of this insurance is divided into three types: 10 years, 15 years and 20 years. The insured can choose one of them when insuring.

The insurance liability assumed by the Company starts at 0: 00 the day after the Company agrees to underwrite, collect the first premium and issue an insurance policy, and ends at the termination of the contract.

Article 5 Insurance amount and insurance premium The basic insurance amount of this contract shall be agreed by the applicant and the Company, and shall be specified in the insurance policy. Based on the basic insurance amount, the insurance amount of each insurance year is determined according to the following formula.

When the annual insurance amount = basic insurance amount × (1+0.05 × policy years); The applicant shall pay the insurance premium to the company according to this contract. If the insurance premium is paid by installments, the insured shall pay the remaining installments according to the agreed payment date after paying the first installment.

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 and the insured intentionally fail to fulfill the obligation of truthful disclosure, the Company has the right to terminate this contract; For the insurance accidents that occurred before the termination of this contract, the company is not responsible for paying the insurance premium and will not refund the insurance premium.

If the applicant and the insured fail to fulfill 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 this contract; If the occurrence of the insured accident is seriously affected, the Company will not be responsible for paying the insurance premium of the insured accident before the termination of this contract, but will refund the insurance premium after deducting the handling fee.

Article 7 designation and change of beneficiaries

The insured or the applicant may designate one or more persons as the beneficiaries of the insurance money. If there are several beneficiaries, the order and share of beneficiaries shall be determined. If the share is not determined, each beneficiary shall enjoy the right to benefit according to the equal share.

The insured or the applicant may change the beneficiary. However, a written notice shall be given to the company, and the company shall endorse the insurance policy.

The applicant shall obtain the written consent of the insured when designating and changing the beneficiary.

The beneficiary of medical care and marriage and childbirth allowance is the insured himself, and the company does not accept designation or change.

Article 8 Notice of Insurance Accident

The applicant, the insured or the beneficiary shall notify the Company within 5 days from the date when he knows or should know the occurrence of the insured accident. Otherwise, the applicant, the insured or the 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 expired survival insurance money