If the borrower dies or is disabled due to accidental injury, the insurance company will repay the outstanding loan within the insured amount limit;

If the death insurance premium exceeds the outstanding loan amount, the insurance company will pay the remaining insurance premium to other beneficiaries designated by the borrower at the time of insurance;

If the disability insurance premium exceeds the outstanding loan amount, the insurance company will pay the remaining insurance premium to the borrower himself. (Disability insurance premium = insurance amount+compensation ratio corresponding to physical disability)

The specific insurance clauses are as follows:

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 conditions

Passengers who travel by train, bus or ship can become the insured of this kind of insurance.

Article 3 Insurance liability

During the validity period of the insurance liability, if the insured suffers accidental injury, the Company shall pay the insurance money according to the following agreement:

1. If the insured dies within 180 days from the date of accidental injury, the company will pay the death insurance money according to the insured amount.

2. If the insured is physically disabled within 180 days from the date of the accidental injury accident, the company will pay the disability insurance money according to the insurance amount specified in the insurance policy and the payment proportion corresponding to the physical disability. If the treatment has not been completed on day 180, disability appraisal will be conducted according to the physical condition on day 180, and disability insurance money will be paid accordingly.

When the insured causes more than one physical disability due to the same accidental injury, the company will pay the sum of the corresponding disability insurance benefits. However, if different disability items belong to the same upper limb or lower limb, the company will only pay one of them. If the proportion of payment corresponding to disability items is different, only the disability insurance with higher proportion will be paid.

3. The Company will compensate the insured for the medical and pharmaceutical expenses directly used for treatment that actually occurred due to accidental injury and met the basic medical insurance management regulations of the government where the policy was issued, but the amount is limited to the accidental injury medical insurance of this insurance.

If the insured obtains compensation for medical expenses from basic medical insurance, other insurance plans or any other means, the insurer will only pay the medical insurance premium for accidental injury to the extent of the remaining medical expenses actually paid by the insured that meet the basic medical insurance management regulations of the government where the policy is issued.

4. During the insurance period, the Company's liability for payment of insurance benefits to each insured shall not exceed the agreed insurance amount. When the one-time or cumulative payment reaches the insured amount, the company's insurance liability to the insured is terminated.

Article 4 Exemption from liability

In case of death, disability and medical expenses of the insured due to one of the following circumstances, the Company shall not be liable for paying insurance benefits:

1. The applicant or beneficiary intentionally kills or hurts the insured;

2. The insured intentionally commits a crime or resists arrest;

Three, the insured does not comply with the rules and regulations of the passenger transport department, climbing and jumping vehicles;

4. The insured fights, gets drunk, commits suicide, intentionally injures himself, and sucks, sucks or injects drugs;

5. Accidents caused by the influence of alcohol, drugs and controlled drugs on the insured;

Six, the insured abortion, childbirth;

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

Eight, the insured medical accidents caused by cosmetic surgery or other internal and surgical operations;

Nine, the insured is declared dead by the people's court for reasons other than accidental injury;

Ten, the insured unreasonable medical treatment and purchase of drugs outside the scope of basic medical care;

Eleven, the insured orthopedic, plastic surgery, or repair, installation and purchase of disabled appliances and other expenses;

Twelve, transportation, accommodation, living allowance, lost time and nursing expenses paid by the insured due to accidental injury;

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

14. Nuclear explosion, nuclear radiation or nuclear pollution.

If the insured dies under the above circumstances, this contract will be terminated and the insurance premium will not be refunded.

Article 5 Period of insurance

1. The insurance period of this contract starts from the time when the insured goes through the insurance formalities, pays the insurance premium, enters the station with a valid ticket and boards the vehicle, and ends when the insured arrives at the journey terminal specified in the ticket and leaves the vehicle.

Two, within the validity period of the ticket, the insured leaves the vehicle on his own during the journey, and the insurance liability is terminated. If you change to other means of transportation arranged by the passenger transport department for some reason, the insurance liability will continue to be valid until you arrive at the ticketing terminal and leave the vehicle.

Article 6 Insurance amount and insurance premium

1. The insured amount of this insurance is RMB 65,438+00,000. Among them, 20% is the amount of accidental injury medical insurance. The insured can determine the insurance amount according to the needs, and can insure at most 10. Once the insurance amount is determined, it cannot be changed halfway.

Two, the insured shall pay all the insurance premiums at the time of insurance.

Rule 7: Tell the truth.

When concluding this contract, the Company shall clearly explain the contents of the insurance clauses, especially the exemption clauses, and may make written inquiries to the applicant and the insured, who 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 terminate this contract, and will not be responsible for paying the insurance premium or returning the insurance premium for the insurance accident that occurred before the termination of this contract.

If the applicant and the insured fail 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 premium rate, the company has the right to terminate this contract without returning the insurance premium; If it has a serious impact on the occurrence of insurance accidents, the Company will not be responsible for paying insurance benefits for the insurance accidents that occurred before the termination of this contract.

Article 8 designation and change of beneficiaries

The insured or the applicant may designate one or more persons as the beneficiaries of the insurance money. When 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 can change the beneficiary of the insurance money, but it must inform the company in writing, and the company will endorse the insurance policy.

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

Unless otherwise stipulated by the applicant or the insured, the beneficiary of disability insurance and medical insurance is the insured himself.

Article 9 Notice of Insurance Accident

The applicant, the insured or the beneficiary shall notify the Company within 24 hours 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 10 Application and payment of insurance money

1. After the death of the insured, the beneficiary of the death insurance benefits as the insured fills in the application for payment of insurance benefits and applies for insurance benefits from the Company with the following documents and materials:

1, insurance policy or current traffic ticket (stub);

2. Insurance premium receipt;

3. The identity certificate or household registration certificate of the beneficiary;

4. The death certificate of the insured issued by a secondary hospital recognized by the public security department or the health administrative department;

5. Accident certificate issued by public security and other competent departments;

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

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

8. Other certificates and materials related to confirming the nature, cause and degree of injury of the insured accident.

In the event of a dispute between the applicant and the Company over the death of the insured, both parties have the right to request a judicial authentication institution to authenticate the death of the insured, and the other party shall cooperate.

Two. If the insured is disabled, the beneficiary of disability insurance benefits shall fill in an application for payment of insurance benefits as the insured, and apply to the Company for payment of insurance benefits with the following certificates and materials:

1, insurance policy or current traffic ticket (stub);

2. Insurance premium receipt;

3. The identity certificate or household registration certificate of the beneficiary;

4. The disability certificate of the insured issued by the disability appraisal institution recognized by the company;

5. Accident certificate issued by public security and other competent departments.

Three. When applying for accidental injury medical insurance, the beneficiary of accidental injury medical insurance shall fill in an application for payment of insurance benefits as the insured, and apply to the Company for payment of insurance benefits with the following documents and materials:

1, insurance policy or current traffic ticket (stub);

2. Insurance premium receipt;

3. The identity certificate or household registration certificate of the beneficiary;

4. Accident certificate issued by public security and other competent departments;

5. Diagnostic certificates, prescriptions and original vouchers of medical expenses issued by hospitals above the second level approved by the administrative department of health.

Four, entrust others to handle insurance benefits, but also must provide a power of attorney, the trustee's identity certificate and other information.

5. After receiving the application for payment of insurance benefits put forward by the insured and the certificates and materials listed in the first to fourth paragraphs of this article, the Company shall fulfill its obligation to pay insurance benefits within ten days after reaching an agreement with the insured on the amount of insurance benefits. For those who do not belong to the insurance liability, a notice of refusal to pay the insurance premium shall be issued to the applicant.

Six, the company received the applicant's application for payment of insurance benefits and the certificates and materials listed in the first to fourth paragraphs of this article within 60 days, the amount of insurance benefits belonging to the insurance liability can not be determined, according to the existing certificates and materials, the minimum amount can be determined first, and after the final determination of the amount of insurance benefits, the company will pay the corresponding difference.

7. If the insured returns after his death, 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.

Article 11 Changes of Contract Contents

During the validity of the 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 the original insurance policy or other insurance documents or attach an approval form.

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

If the insured fails to take the means of transport stipulated in this contract, the applicant may request to terminate this contract, and the company will refund the insurance premium after deducting the handling fee.

The applicant shall provide the following certificates and materials when requesting the dissolution of this contract:

1, insurance policy or other insurance certificate;

2. Insurance premium receipt;

3. The identity certificate or household registration certificate of the insured.

Article 13 Dispute settlement

1. Any dispute arising from the performance of this contract shall be settled by both parties through consultation; If negotiation fails, it shall be submitted to the Arbitration Commission agreed in this contract for arbitration;

2. Any dispute arising from the performance of this 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.

Any dispute arising from or related to this contract shall be handled in accordance with the laws of People's Republic of China (PRC).

Article 14 Interpretation

The following terms mentioned in this contract have the following specific meanings:

Force majeure: refers to unforeseeable, unavoidable and insurmountable objective circumstances.

Accidental injury: refers to the injury to the insured's body caused by external, sudden and unintentional objective events.

Payment ratio: refers to the insurance payment ratio specified in the Table of Disability Degree and Insurance Payment Ratio of Personal Insurance of China People's Bank.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.