Category: Insurance tips Release Date: 2006-08-01
Bungee jumping and other more dangerous nature of the recreational way, as a result of unintentional injuries, the accident insurance paid the money be refunded?
Based on "injury insurance model clause" Article II:
The insured person within the validity period of this contract due to accidental injuries suffered accidents, caused his body to suffer harm Erzhi
Disability or death, in accordance with this lease agreement, payment of insurance premiums.
Accidental injuries referred to the preceding paragraph refers to diseases caused by the addition to the non-emergency incidents.
Another model based on the provisions of Article VII:
The insured person as a direct result of the following letter into the subject of death, disability or injury, the Company paid insurance premiums to live
责任.
1, the beneficiary of the intentional act, but all the other beneficiaries still have to apply for insurance.
2, Yao Baoren, the insured person's intentional act.
Third, the insured person "criminal act."
Fourth, the insured person to drink, drive (ride) car, the expiratory or blood alcohol content more than the Road Traffic Act
Provision standards.
5, war (whether declared or not), civil strife and other similar armed upheavals. But the contract agree otherwise, who were not
This limit.
6, due to atomic or nuclear energy device caused the explosion, burning, radiation or contamination. But otherwise agreed by contract
Except.
Before the item first, second paragraph the case (in addition to the insured person's conduct is intentional), injuries caused by the insured person disabled, the
The company still pay disability insurance.
The provisions of Article VIII of the Model:
The following activities have been insured during the period, cause as death, disability or injury, except otherwise agreed by contract, the
The company's live pay insurance responsibilities.
First, the insured person engaged in wrestling, wrestling, judo, karate, taekwondo, equestrian, boxing, stunts, etc.
During the contest or performance.
Second, the insured person involved in automobile, motorcycle and free cars during the race or performance.
From the above we can see that the insurance does not hurt to high-altitude parachute jump, or drag and drop items such as recreation, except to include responsibility for the actual occurrence of the general public as a result of injury, injury insurance claims still. But bungee jumping and other recreation projects at higher risks, such as a frequently engaging in the activity or the activity of the coaches who should be insured at the time told insurance companies, insurance companies will consider the degree of risk with the insured person otherwise agreed by the , so there are some disputes in order to avoid future claims.
