China Insurance Regulatory Commission stipulates that the amount insured for minors should not exceed 0.1 million yuan. Allowing for the fact that Card holders' children are mainly composed of minors, we make a rule collectively that the amount insured for kids is fixed at 0.1 million yuan.
四、 Period of Validity
During the time when the insurant, or the related insurant, abiding by the security regulations made by the carrier, takes the plane that is operated in accordance with the law as a passenger, starting from the time when the insurant with an effective ticket arrives at the airport and passes the security inspection to that when he reaches the destination and walks out of the port.
五、Time Limit of Insurance
Commencing from the day when the Card is issued, to that marking a year ever since.
六、 Premium
This insurance is a service provided for the Card holders by Minsheng Bank, which has bought the insurance collectively for the Card holders, so the Card holders don't have to pay extra fees.
七、 Insurer
New China Life Insurance Company Beijing Branch
八、Insurance Liability
Within the period of validity of this contract, if the insurant sustains accidental injury, the insurer will have to pay premium according to the following principles:
1) If the insurant dies of the same reason within 180 days ever since the accidental injury happened, the insurer will have to pay the insurance premium of death.
2) If the insurants whereabouts are unknown since the injury happened, and then he is declared to be dead by the People's Court, the insurer will have to pay death premium according to insurance sum.
3) If the insurant becomes disabled for the same reason, within 180 days since the accidental injury happens, the insurer should pay disability insurance premium in line with the amount insured and the proportion of the payment according to that kind of disability in keeping with The Personal Insurance Table of Proportion between Disability Degree and Payment. If the treatment is still unfinished, the premium should be paid according to the judgment of the insurant's physical condition on the 180th day.
4) If the insurant gets disabled for the same reason for more than one part in the body because of the accidental injury, the payment should cover the sum of insurance for all those parts. If some disabilities are in the same hand or foot, the insurer will have to pay premium for only one part; if the disabilities don't go with the proportion of payment, the insurer will just pay the higher proportion of the insurance premium.
5) The insurer's responsibility should be equal to the amount of premium. The contract's insurance responsibility for the insurant will terminate if the insurer pays the whole amount once or in an accumulated way.
九、Exemption of Liability
The insurer will not pay premium, if the insurant dies, becomes disabled of pays expenses for medical treatment due to the following reasons:
1) The insurance policy holder, or the beneficiary kills of injures the insurant willfully;
2) The insurant commits crime or resists arrest;
3) The insurant fights, is drunk, commits suicide or self-injury, takes or injects drug;
4) The insurant suffers an accident caused by alcohol, drug or controlled medicine;
5) War, military conflict, riot or armed rebellion breaks out (All these should be declared or recognized by the government);
6) Nuclear explosion, radiation or pollution;
7) The insurant expects accidental injury when taking a plane not under the contract;
8) The insurant expects accidental injury after having passed the security investigation and left the airport.
十、The Notification of Insurance Accident
When the insurant suffers accidental injury, the insurant, beneficiary or heir should, within 30 days since the accident happens (excluding that delayed by Force Majeure), notify Minsheng Credit Card Center or New China Life Insurance Cooperation.
Minsheng Credit Card Center: 95568 or 800-810-8008
Report a case to the New China Life Insurance Cooperation, please dial 95567 or (010) 63958909.
十一、 Documents Serving as Testimonial Papers
1) When the insurant dies, the insurance beneficiary can fill in an application for payment of premium, and asking for the accidental death insurance from the insurer with the following papers and materials.
① The household register certificate or ID paper of the beneficiary;
② The testimonial of death of the insurant issued by medical institutions and acknowledged by public security department of the insurer;
③ If the insurant is declared to be dead due to unknown whereabouts caused by the accident, the beneficiary must provide the identification of declare death issued by the People's Court;
④ Identification of accident issued by the carrier;
⑤ The paper of the cancellation of household registration;
⑥ Other papers and materials that the beneficiary is able to give pertinent to confirming the nature and cause of the accident.
2. When the insurant becomes disabled, as the applicator, he can apply for the accidental death insurance from the insurer with the following papers and materials:
1) The household register certificate or ID paper of the insurant;
2) The judgment of the disability degree of the insurant issued by medical institutions or doctors and recognized by the insurer;
3) The proof of accident issued by the carrier;
4) Other papers and materials relating to confirming the nature, cause and extent of injury of the insurance accident provided by the insurant.
十二、Application for Premium
During the period of insurance validity, the insurant and the related insurant have insurance accident within the scope of insurance validity, the insurant, the beneficiary or the heir can apply and draw the premium with proof papers.
十三、 Ways of Payment
The insurance premium will be transferred to an account designated by the beneficiary by the insurance company.
十四、Interpretation of Terms
"Insurance company": New China Life Insurance Cooperation Beijing Branch.
"Flight": the civil aviation plane operated legally, registered and approved by relevant government departments, with the purpose of passenger transport.
"Accidental injury": external, sudden, unintentional objective event not caused by disease, which has dealt serious injury to the insurant, and constitutes the direct cause of the injury or death sustained the insurant.
"The insurant": Minsheng Credit Card holder as stipulated in this brochure.
"The related insurant": spouse who is in marriage with the Card holder or the biological child, step child under his or her parental support or adopted child of the Card holder.
"The beneficiary": he who enjoys the right to insurance claim. The beneficiary of the accidental death insurance is the legal heir at first order. If the insurant has different opinions about this, he can directly go to New China Life Insurance Cooperation to make changes, whereas Minsheng Bank will not take up the affairs of changing the beneficiary's trust; if the beneficiary of the accidental injury insurance is the insurant him/herself, the insurance company will refuse to other designation or change.
"Fees of the touring party": the expenses paid by the insurant for the touring party organized by the travel agency.
"The full sum of the ticket": not the full rate of the ticket, as long as the amount paid by Card is the nominal price of the plane ticket (including the full rate and discount ticket), it will be full sum payment.
十五、 Additional Explanation
Mingsheng Bank Credit Card Center reserves the ultimate right of interpretation of this insurance service. If the terms of aviation personal accident insurance have not been completed, everything should be in keeping with the Huashun Accidental Injury Insurance of Means of Transport
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