MASTERCARD CHINA 中国万事达卡公司 World Elite Credit Cards EFFECTIVE DATE OF COVER 保险生效日期 1 st April 2017 to 31 st March 2018 SUMMARY OF COVER 保险摘要信息 Insurance Coverage Maximum Benefit Amount (RMB) Wallet Guard 3,315 保险范围 最高保险金额 ( 人民币 ) 钱包丢失费用补偿保险 3,315 Each insurance benefit limit described in this Summary of Cover is in RMB. Payment of claims will be made in local currency where required by law, with the official Foreign Exchange Rates published on the date the payment is made. 以上摘要信息中的各项保险金限额以人民币计算 若法律要求赔款以当地货币进行理赔, 则采用理赔当日公布的官方汇率 Page 1 of 14 第 1 页, 共 14 页
WALLET GUARD INSURANCE TERMS & CONDITIONS FOR CHINA CARDHOLDERS 钱包丢失费用补偿保险条款 SECTION I DEFINITIONS 第一节定义 Check means any bank draft, other than a draft with a stamped signature, drawn against deposited funds to pay a specific sum to a specified payee on demand. 票据 : 指根据预存款项开立的, 在见票时支付确定的金额给指定收款人的即期银行票据, 不包括任何未签章的票据 Business means a trade, profession or occupation including those conducted on a full-time, part-time or occasional basis, or, any other legal activity in which one is engaged for money or other compensation. 商务 : 指以全职 兼职或临时工形式从事的行业 职业或职位, 或以获取金钱或其他报酬为目的而从事的任何其他合法活动 Money means currency, coins and bank notes in current use and having a face value 金钱 : 指具有一定面值的当前流通的货币 硬币和纸币 Annual Aggregate Limit: means the maximum amount per Cardholder for which an Insurer is liable during the Policy Period. 年度累计责任限额 : 指对于保险期间内发生的保险事故, 保险人向每位持卡人累计承担赔偿责任的最高限额 Coverage Territory: Underwrite the covered incident worldwide except any other agreement under this policy. 承保区域 : 除本保险合同另有约定外, 本保险承保全球范围内发生的保险事故 Eligible Card: a participating Issuer s MasterCard World Elite credit cards. 银行卡 : 指发卡机构发行的信用卡, 本保险具体承保的卡种以保险单所载为准 Cardholder(s)/Insured Person(s)/You means all individuals who have been issued an Eligible Card, including secondary or additional cardholders on the same account, in China mainland where such Eligible Card is issued by a participating Issuer. 持卡人 / 被保险人 : 指在中国大陆境内持有发卡机构所发行的银行卡的所有自然人, 包括同一账户下的副卡持有人或附属卡持有人 Per Occurrence Limit means the maximum amount payable under the Policy for any single loss occurrence. 每次事故责任限额 : 指在本保险合同项下每次事故的最高赔偿限额 Policy: means this insurance contract between the Policyholder and Us, including all terms and conditions herein, Policy Schedule, application form and any endorsement issued under this Policy. Page 2 of 14 第 2 页, 共 14 页
保险合同 : 指投保人与保险人之间签订的保险合同, 包括本保险条款 保险单 书面投保申请以及在保险合同项下签发的任何批单 Policy Period means Policy coverage period commencing from 0:00 hours of the inception date and ending on the 24:00 hours of the expiration date as specified on the Policy Schedule. 保险期间 : 指自保险单所载起保日零时起至保险单满期日二十四时止的一段期间 Relative means the Cardholder s legally married spouse, parent, step-parent, parent in-law, grandparent, child, stepchild, legally adopted child, grandchild, brother, brother in-law, sister, sister in-law, son in-law, daughter in-law, uncle, aunt, niece, nephew or first cousin. 亲属 : 指持卡人的合法配偶 父母 继父母 配偶的父母 祖父母 子女 继子女 合法领养的子女 孙子女 兄弟 配偶的兄弟 姐妹 配偶的姐妹 女婿 儿媳 叔伯 姑姨 侄女 侄子及堂表兄妹 Residence means the place in which the Cardholder principally resides the majority of the time and where the Cardholder keeps the Cardholder s personal belongings. Residence includes, but is not limited to, a single family structure, condominium unit, cooperative or apartment. 住所 : 指持卡人的主要常住场所, 且持卡人将私人物品存放于该处, 包括但不限于独户家庭住宅 共有公寓房 合作公寓房或公寓房 Robbery means the unlawful taking of the Cardholder s property, by a person or person(s), using violence or the threat of violence and who has/have caused or threatened physical harm to the Cardholder, the Cardholder s spouse and/or children under age 21. 抢劫 : 指一人或多人使用暴力或威胁使用暴力对持卡人 持卡人的配偶和 / 或 21 周岁以下子女造成或威胁造成人身伤害, 以非法获取持卡人的财产的行为 Theft means the unlawful taking of property from your care and/or custody, without consent, with the intent of gain, as a result of a robbery or a burglary. 偷盗 : 指以占有为目的, 通过入室盗窃的方式, 在未经允许的情况下, 非法获取被保险人看管和 / 或保管的财产的行为 Accidental Damage: items that can no longer perform the function they were intended for due to broken parts or material or structural failures due to an accident. 意外损坏 : 指物品因意外事故导致零件损坏 材料破坏或结构损坏而不再具有原定功能 Personal papers means any of your official identification documents including, but not limited to, your identity card, driver s license, employment papers, passport(s) 个人证件 : 指被保险人的任何有效身份证明文件, 包括但不限于身份证 驾照 员工证 护照 Payment card means any ATM card, credit, charge card issued by a qualified financial institution or retailer for personal use only Page 3 of 14 第 3 页, 共 14 页
支付卡 : 指合格的金融机构或零售商发行的任何仅供个人使用的 ATM 卡 信用卡 签账卡 ATM means automatic teller machine ATM: 指自动取款机 Burglary means the unlawful taking of your property, or an attempt thereof, by a person or persons who illegally entered your primary residence using force or violence with visible signs of forced entry. 入室盗窃指 : 一人或多人使用武力或暴力非法进入被保险人的主要住所并有明显强行进入痕迹, 以非法盗取或试图非法盗取被保险人的财产的行为 Covered content means the payment cards and personal papers contained in your wallet or bag. 被保险物品 : 指被保险人的钱包或手提包中的支付卡及个人证件 Credit account means any credit arrangement, from a qualified financial institution, for personal use, such as a credit card account or a car/home loan account. 信用账户 : 指合格金融机构供个人使用的信用服务, 包括信用卡账户或车 / 房贷款账户 Identity theft means the unauthorized and/or illegal use of your personal information such as your name or social security number to open credit accounts and/or bank accounts that you did not authorize. 身份盗用 : 指未经授权而使用和 / 或非法使用被保险人的姓名 社保号等个人信息开立被保险人未授权的信用账户和 / 或银行账户 Lost means no longer in your possession due to having been (i) inadvertently misplaced, or, (ii) in an irretrievable place. 遗失 : 指由于下列原因导致被保险人不再占有 :(1) 过失性放置不当 ;(2) 置于无法取回的地方 Replacement cost means the current price of a similar item, with similar specifications. 重置费用 : 指规格类似的相似物品的现行价格 Transportation ticket means any ticket purchased for any type of public or private transportation. 交通票款 : 指为搭乘任何类型的公共或私营交通所支出的任何票款 Insurer: means the insurance company specified in the Policy Schedule. 保险人 : 指保险单上列明的保险公司 Issuer: a bank or financial institution or like entity to operate a credit card program in China mainland and is participating in purchasing insurance for its Cardholders. 发卡机构 : 指在中国大陆境内经营信用卡业务, 并参与为持卡人安排相关保险的银行或其他金融机构或类似实体, 本保险具体承保的发卡机构以保险单所载为准 Page 4 of 14 第 4 页, 共 14 页
War means any declared or undeclared war or any warlike activities, including use of military force by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends. 战争 : 指无论宣战与否的战争, 或任何类似战争活动, 包括任何主权国家为达到其经济 疆域扩张 民族主义 政治 种族 宗教或其他目的而进行的任何军事行动 Policyholder means the person who has applied for this insurance to Insurer, and whose application has been accepted by Insurer. 投保人 : 指向保险人申请投保本保险, 保险人接受其投保申请的人 SECTION II 第二节承保范围 COVERAGE Wallet Guard This Policy will cover the following, up to the Cardholder s Per Occurrence Limit and Annual Aggregate Limits listed in the Policy Schedule. We will cover the following costs, up to the per occurrence limit and per number of claims limit, per policy period, as shown in the policy. Replacement cost for your wallet or bag if your wallet or bag is either lost or the object of theft; Application fees for new personal papers and/or Eligible cards if they were in your wallet/bag when your wallet/bag was either lost or the object of a theft. 在保险期间内, 若被保险人的钱包或手提包发生遗失, 或遭受抢劫或偷盗, 则保险人以保险单所载的每次事故责任限额 每一持卡人最多赔偿事故次数限以及年度累计责任限额为限, 赔偿被保险人钱包或手提包的重置费用, 如其钱包或手提包发生遗失或遭受抢劫 偷盗时内含个人证件 支付卡的, 保险人还将赔偿被保险人重新办理个人证件 支付卡的申请费 SECTION III 第三节责任免除 EXCLUSIONS This Policy will not cover: 保险人对下列各项不承担赔偿责任 : 1. Money, checks, transportation tickets or any item other than your covered content that were in your wallet/bag when your wallet/bag was either lost or the object of theft; 1. 被保险人的钱包或手提包发生遗失或遭受抢劫 偷盗时内含的金钱 票据 交通票款或其他不属于被保险物品的任何物品 ; 2. Losses caused by fire, water, normal wear and tear, manufacturing defects, abuse, vermin, insects, termites, mold, wet or dry rot, bacteria, rust, cleaning or repairs, or similar events; 2. 因火灾 水 正常磨损 制造缺陷 滥用 害虫 昆虫 白蚁 霉菌 潮湿或干腐 细菌 生锈 清洁 维修或类似事件造成的损失 ; 3. Accidental damage to your wallet/bag and its covered content; 3. 被保险人的钱包 手提包及内含被保险物品受到的意外损坏 ; Page 5 of 14 第 5 页, 共 14 页
4. Any fraudulent/unauthorized charges and/or withdrawals on the payment cards that were in your wallet/bag when your wallet/bag was either lost or the object of a theft; 4. 被保险人的钱包或手提包发生遗失或遭受抢劫 偷盗后内含的支付卡发生任何欺诈性和 / 或未经授权的费用和 / 或提款 ; 5. Any costs related to identity theft; 5. 身份盗用有关的任何损失和费用 ; 6. Losses that do not occur during the policy period; 6. 非在保险期间内发生的损失 ; 7. Losses that result from, or are related to, your business pursuits, including any business related travel; 7. 直接或间接因被保险人的商务活动 ( 包括商务旅行 ) 所产生的损失或与之相关的损失 ; 8. Losses caused by your or your relatives illegal acts; 8. 被保险人或其亲属的违法犯罪行为所造成的损失 ; 9. Losses that you have intentionally caused; 9. 被保险人故意造成的损失 ; 10. Losses that result from the intentional actions of a relative, or actions that a relative knew of or planned; 10. 亲属的故意行为或亲属知悉或计划的行为所造成的损失 ; 11. Losses due to war, invasion, act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion, uprising, military or usurped power, martial law, terrorism, riot or the act of any lawfully constituted authority or vandalisms of any kind; or 11. 因战争 入侵 外国军事行为 敌意或类似战争行动 ( 无论是否宣战 ) 内战 叛乱 革命 暴动 民乱 起义 军事政变或篡权 戒严 恐怖主义 暴乱或任何合法组织当局的行为或任何形式的破坏行为所造成的损失 ; 12. Losses due to the order of any government, public authority, or customs official. 12. 因执行任何政府 公共机关或海关官员的命令所造成的损失 13.The Insurer will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose the Insurer, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation. 13 保险人在本保险合同项下提供任何保险保障 利益或支付任何保险赔偿金会导致保险人违反联合国决议项下的任何制裁 禁止性或限制性规定, 或者违反中华人民共和国或美国颁布的任何经济贸易制裁 法律法规 SECTION IV LIMITS OF LIABILITY AND DEDUCTIBLE 第四节责任限额和免赔额 (1)Limits of liability Page 6 of 14 第 6 页, 共 14 页
Per Occurrence: Our liability for any one incident shall not exceed the limit stated in the policy schedule ( 一 ) 责任限额 保险人在本保险合同项下对任一保险事故承担的赔偿金额不超过保险单所载的每次事故责任限额 Aggregate: The total of all benefits paid or payable while this Policy is in force in connection with any particular Coverage shall not exceed the limit stated in the policy schedule 保险人在本保险合同项下对任一持卡人所承担的保险赔偿金总额不得超过保险单所载相应累计责任限额 Maximum Number of Incidents: We will only be liable if the incident is within the limit stated in the policy schedule 对任一持卡人, 保险人在本保险合同项下仅对保险单所载最多事故次数以内的事故承担赔偿责任 (2)Deductible: Subject to the policy limits that apply, We will pay per incident only that part of the covered loss that exceeds the deductible amount shown in the policy schedule ( 二 ) 免赔额 : 在适用的责任限额以内, 保险人对每一事故仅赔付承保损失中超过保险单所载免赔额的部分 SECTION V UNIFORM PROVISIONS 第五节一般事项 1. Valid Account: The coverage under this policy will be terminated immediately once the insured person is no longer a cardholder of the issuer. 有效账户 : 一旦被保险人不再是约定的银行卡持卡人, 本保险合同对该被保险人所提供的保障即行终止 2. PREMIUM PAYMENT 保险费支付 a. Premium Payment The premiums of the Policy are calculated on either a monthly or yearly basis. The Policyholder should pay the premium in a timely manner. Page 7 of 14 第 7 页, 共 14 页
a. 保险费支付本保险合同的保险费按月或年计算 投保人应及时缴付保险费 Grace Period For an annual Policy with monthly premium payment, a grace period of thirty (30) days will be granted for the payment of each premium falling due after the first installment. b. 宽限期如保险期间为一年, 且按月分期支付保险费, 则投保人在支付首期保险费后, 可于每期保险费到期日起 30 日内 ( 含 30 日 ) 支付保险费 c. Outstanding Premium For an annual Policy with monthly premium payment, if a claim occurs (including claim occurs during the grace period), We shall reserve the right to request the Policyholder to settle the remaining premium for the Policy year first, then to handle the claim c. 未缴付的保费如保险期间为一年, 并按月分期交付保险费, 若发生索赔 ( 包括在宽限期内发生索赔 ), 则保险人有权要求投保人补缴该保险年度未缴的保险费, 然后再对该索赔进行处理 3. Duties after Loss 3 损失通知和索赔资料 In the event of a covered loss, the Cardholder shall: 发生保险事故损失时, 持卡人应 : 1. Contact the Insurer at the contact details set out in this Policy within twenty four (24) hours of your discovery of a covered loss to obtain a claim form and instruction on what to do after a loss 1. 在发现事故后二十四 (24) 小时内, 按本保险合同约定联系方式联系保险人, 以获取理赔申请表以及事故发生后行动的指示 持卡人报案联系电话 Claim Report 全国统一报案联系电话 Hotline for claim:(86) 400 821 6311 报案热线开通时间 Opening hours:9:00-17:30( 周六 周日 节假日除外 exclude Saturday, Sunday and the holidays) 2. File a police report within 24 hours of discovering a theft 2. 在发现偷盗后 24 小时内报警 3. Notify your Issuer within 24 hours of discovering that your wallet or bag, with its covered content, was either lost or the object of a theft; 3. 在发现钱包 手提包及被保险物品遗失或遭受抢劫 偷盗后二十四 (24) 小时内通知保险人 4. Complete, sign and return the claim form to the Insurer with all the following documents, within thirty (30) days of making the original claim: 4. 在提出事故通知后三十 (30) 天内, 填写理赔申请表, 签名后将该表连同下列所有文件回传给保险人 : Page 8 of 14 第 8 页, 共 14 页
a) an original receipt showing the cost of your wallet or bag at purchase; a) 表明钱包或手提包购买价格的原始收据 ; b) in the event of a theft, an official police report; and b) 若发生偷盗, 则提供官方报警记录 ; 及 c) all other relevant documents we may ask you to provide; and c) 保险人可能要求被保险人提供的所有其他相关文件 5. Providing assistance cooperating with the Insurer in investigating, evaluating and settling the claim. 5. 与保险人合作进行调查 评估及处理理赔 We shall not be liable for the undeterminable part if You fails to do so intentionally or for gross negligence, which makes it difficult to determine the nature, cause, degree of damage, etc. of the covered incident, unless We have known or should have known the incident in a timely manner through any other channel. 若被保险人故意或者因重大过失未按照上述要求通知保险人, 致使保险事故的性质 原因 损失程度等难以确定的, 保险人对无法确定的部分不承担赔偿责任, 但保险人通过其他途径已经及时或者应当及时知道保险事故发生的除外 4. Payment of Claims: All payments to be made by the Insurer shall be paid to Eligible Cardholders in China mainland and such payments shall be subject to the laws and regulations then in effect in China. 4 保险赔付 : 保险人应向中国大陆境内的持卡人赔付保险金, 且赔付行为不得违反中华人民共和国届时有效的法律法规 5. Fraudulent Claims: We shall at Our option to cancel the Policy without any premium refund if: You make a claim under the Policy knowing that an insured incident actually never occurs; You intentionally fabricate an insured incident. We shall at Our option to decline the claim payment for the false part if: You fabricate the cause of incident or exaggerate the degree of damage by forging or altering the relevant documents, materials or any other evidence. 5. 欺诈性索赔 (1) 被保险人有下列行为之一的, 保险人有权解除保险合同, 不承担保险责任, 并不退还保险费 : i. 明知并未发生保险事故而仍提出索赔请求 ; ii. 故意造成保险事故 Page 9 of 14 第 9 页, 共 14 页
(2) 被保险人以伪造 变造的有关证明 资料或者其他证据编造虚假的事故原因或者夸大损失程度, 保险人对其虚报的部分不承担赔偿责任 6. Governing Law and Jurisdiction: This Policy is governed by and interpreted in accordance to the laws of mainland China (except the laws of Hong Kong, Macao Special Administrative Region and Taiwan province). 6 适用法律 : 本保险合同受中华人民共和国法律 ( 香港 澳门特别行政区及台湾省的法律除外 ) 管辖并据此进行解释 7.Full Disclosure 7. 如实告知义务 Where We make any inquiry about You and insured property before entering into the Policy, the Policyholder shall make a full and accurate disclosure. We shall have the right to immediately cancel the Policy if the Policyholder fails to make a full and accurate disclosure intentionally or due to gross negligence, which is enough to affect Our decision on whether to offer insurance coverage or raise the premium. If the Policyholder intentionally fails to make a full and accurate disclosure, We shall not be liable for any insured incident which occurs before Policy cancellation, and We shall not refund the premium. If the Policyholder fails to make a full and accurate disclosure due to gross negligence, which materially affects the occurrence of an insured incident occurred before Policy cancellation, We shall not be liable for such insured incident, and shall refund pro rata premium for the unexpired term from the date of cancellation provided that a lump sum premium is paid under an annual Policy. The right to cancel the Policy as prescribed in the preceding paragraphs shall be annulled after the lapse of 30 days or more from the day when We become aware of the cause of the cancellation. Where We have become aware that the Policyholder failed to make a full and accurate disclosure in entering into the Policy, We shall not cancel the Policy and, if an insured incident occurs, shall be liable for paying indemnity. 订立保险合同, 保险人就保险标的或者持卡人 发行机构或投保人的有关情况提出询问的, 投保人应当如实告知 若投保人故意或因重大过失未履行如实告知义务, 足以影响保险人决定是否同意承保或提高保险费率的, 保险人有权立即解除本保险合同 前款规定的合同解除权, 自保险人知道有解除事由之日起, 超过三十 (30) 日不行使而消灭 投保人故意不履行如实告知义务的, 保险人对于本保险合同解除前发生的保险事故, 不承担赔偿责任, 并不退还保险费 Page 10 of 14 第 10 页, 共 14 页
投保人因重大过失未履行如实告知义务, 对保险事故的发生有严重影响的, 保险人对于保险合同解除前发生的保险事故不承担赔偿责任, 但可按日比例退还已收取的自解除之日起的未满期保险费 保险人在合同订立时已经知道投保人未如实告知的情况的, 保险人不得解除合同 ; 发生保险事故的, 保险人应当承担赔偿责任 8. Risk Increase 8. 风险增加 Where, during the valid period of the Policy, You shall timely notify Us of any significant change made to the purchased items insured under this Policy, or in circumstance which would significantly increase the possibility of loss, and We are entitled to increase the premium, or immediately cancel the Policy in which case. We shall be liable to refund pro rata premium for the unexpired term from the date of the cancellation. If You fail to discharge the above notification obligation, We shall not be liable for any insured incident arising from a significant increase in risk exposure. 若在保险合同有效期内, 被保险财产的危险程度显著增加的, 被保险人应当及时通知保险人, 保险人有权增加保险费或者即时解除保险合同 保险人解除保险合同的, 应按日比例退还已收取的自解除之日起的未满期保险费 被保险人未履行上述通知义务的, 因被保险财产的危险程度显著增加而发生的保险事故, 保险人不承担赔偿责任 9. Other Insurance 9. 其他保险 If there are other insurance covering for the same insurable interest as this Policy, this policy is in excess, which covers the amount not covered by such other insurance, up to the limits of the specific coverage as shown in the Policy. 保险事故发生时, 如有其他保险承保本保险合同项下相同的被保险财产, 本保险合同将负责赔偿超出其他保险项下应获赔偿金额的损失, 但赔偿金额以保险合同中列明的责任限额为限 10. Subrogation 10. 代位求偿权 You shall, at the expense of the Us, do and concur in doing and permit to be done all such acts and things as may be necessary or reasonably required by Us for the purpose of enforcing any rights and remedies or of obtaining relief or indemnity from other parties to which We shall be or would become entitled or subrogated upon their paying for or making good any loss, destruction or damage under this Policy whether such acts and things shall be or become necessary or required before or after this indemnification by Us. Page 11 of 14 第 11 页, 共 14 页
当被保险人的损失应由有关责任方承担时, 无论保险人是否已做出赔偿, 被保险人应按保险人的合理要求, 并在保险人承担费用的情况下, 采取 同意采取或允许他人采取一切必要及合理的措施, 以便保险人在赔偿保险合同项下的损失后, 在赔偿金额范围内代位行使被保险人对有关责任方请求赔偿的权利 11. Dispute Resolution 11. 争议解决 All disputes arising from the execution of this Policy or riders hereof shall be resolved through one of the following means to be selected by the Parties: The said disputes shall be resolved by the Parties through negotiations, failing which shall be referred to the agreed Arbitration Commission for arbitration; The said disputes shall be resolved by the Parties through negotiations, failing which shall be referred to courts of the People s Republic of China (for the purpose of this insurance, excluding Hong Kong, Macao and Taiwan). 有关保险合同的一切争议的解决方式, 由当事人从下列两种方式中选择一种 : (1) 因履行保险合同发生的争议, 由当事人协商解决 协商不成的, 提交双方约定的仲裁委员会仲裁 ; (2) 因履行保险合同发生的争议, 由当事人协商解决 协商不成的, 依法向中华人民共和国人民法院起诉 12. Cancellation 12. 合同解除 The Policyholder may cancel the Policy at any time by giving a written notice to Us. For an annual Policy with lump sum payment, the Policy shall be terminated at 24:00 of the date shown on the written notice. If the policy is cancelled before Policy inception date, We will charge 5% of the premium shown in the Policy Schedule as cancellation fee; If the Policy is cancelled after Policy inception date, We shall refund the premium for this Policy after charging a short-term premium in accordance with the following table: Short-Term Premium Rate Table Policy Effective Period 1 Month 2 3 4 5 6 7 8 9 10 11 12 Page 12 of 14 第 12 页, 共 14 页
% of Annual Premium 10% 20% 30% 40% 50% 60% 70% 80% 85% 90% 95% 100% a full month basis. For an annual Policy with monthly premium payment, the Policy shall be terminated on the monthly premium due date immediately following Our receipt of the said request in writing. For a monthly Policy, the Policy shall be terminated on the Policy expiration date stated on the Policy Schedule. In the event that the Policyholder has paid the premium for the Policy of next month, We shall return without interest such paid premium. We are also entitled to cancel the Policy by giving the Policyholder a thirty (30) days (or fifteen (15) days where the policy period is less than one full month) prior written notice, unless otherwise provided by the Policy. In this event, the Policy will be terminated at 24:00 of the date shown in the written notice. The written notice will be delivered in person, by registered mail or other similar mails to the Policyholder s address of domicile or correspondence. A pro-rata unearned premium will be returned. 投保人可依下述规定随时书面通知保险人解除保险合同 : (1) 如保险期间为一年, 保险费一次性支付的, 则保险合同于书面通知上所列示日期的二十四 (24) 时终止 保险责任开始前, 投保人提出解除保险合同的, 保险人将按保险单所列保险费的 5% 收取手续费 ; 保险责任开始后, 投保人提出解除保险合同的, 保险人将退还投保人扣除按照下表计算的应收短期保险费后的保险费余额 : 短期费率表 保险合同有效月数 1 个月 2 个月 3 个月 4 个月 5 个月 6 个月 7 个月 8 个月 9 个月 10 个月 11 个月 12 个月 年保费的百分比 10% 20% 30% 40% 50% 60% 70% 80% 85% 90% 95% 100% 注 : 保险有效期间不足一个月的, 按照一个月计算保险费 (2) 如保险期间为一年, 按月分期交付保险费的, 保险合同于保险人收到书面通知后的下一个月保险费到期日终止 ; (3) 保险期间为一个月的, 保险合同于保险单上列示的届满日期终止 若投保人已支付了下个月的保险费, 保险人应不计利息予以退还 Page 13 of 14 第 13 页, 共 14 页
保险人亦有权解除保险合同, 但须提前三十 (30) 日 ( 若保险期间为一个月, 则为 15 日 ) 书面通知投保人, 但保险合同另有约定的除外 在此情形下, 保险合同将于书面通知上所列日期的二十四 (24) 时终止 书面通知将通过专人递送 挂号邮件或其他类似邮件, 发送至投保人的住所或通讯地址 保险人将按日比例退还已收取的自解除之日起的未满期保险费 13.Limitation of actions ( 十三 ) 诉讼时效 The period of limitation of action of the insured to the insurer for compensation shall be two years, calculated from the date on which the insured person knows or should have known the occurrence of the insurance accident. 被保险人向保险人请求赔偿的诉讼时效期间为二年, 自其知道或应当知道保险事故发生之日起计算 Page 14 of 14 第 14 页, 共 14 页