3.0 保单条款
平安车险第三者责任险保险条款2023版
2023版平安车险第三者责任险保险条款解读一、前言在当今社会，随着汽车的普及和道路交通的日益繁忙，交通事故屡见不鲜。
作为车主，购物一份信得过的车险显得尤为重要。
而在车险中，第三者责任险无疑是最为重要的保障之一。
作为我国领先的保险公司，平安车险在不断提升服务水平的也不断完善车险产品，2023版的第三者责任险保险条款必然备受关注。
本文将对这一保险条款进行深入解读，帮助读者更全面地了解其内容和保障范围。
二、第三者责任险保险条款概述1. 保障范围第三者责任险是作为车险中的必备险种之一，其主要作用是在 insured 肇事造成第三者财产损失及人身伤害时，提供相应的赔偿保障。
2023版的平安车险第三者责任险保险条款相信会对保障范围进行进一步的明确和扩大，更有利于保障车主和受害人的权益。
2. 增值服务除了基本的保险责任外，平安车险在不断提升保险服务水平，可能会在2023版的第三者责任险保险条款中增加一些额外的增值服务，比如紧急救援、法律援助等，从而更加全面地满足车主的保障需求。
三、文章核心内容1. 保障责任明晰在深入探讨2023版平安车险第三者责任险保险条款时，值得关注的是保障责任是否更加明晰。
在条款中，车险公司会明确规定在何种情况下，车主可以获得第三者责任险的赔偿保障，这一点对于理解保险条款的具体保障范围至关重要。
2. 保障金额提高除了保障责任的明晰外，2023版的平安车险第三者责任险保险条款是否会提高保障金额也是值得关注的重点。
随着社会的发展和通货膨胀的影响，保险赔偿金额的提高无疑可以更好地满足受害人的赔偿需求，也更有利于车主的保险理赔。
3. 驾驶范围扩大在阅读2023版的第三者责任险保险条款时，车主还要留意保险公司是否会对驾驶范围进行扩大。
有些保险公司在特定的条款中规定了驾驶范围，超出范围的车辆可能无法享受第三者责任险的保障，这一点也需要引起车主的重视。
四、结语通过以上的解读和分析，我们对2023版平安车险第三者责任险保险条款有了更深入的了解。
平安商业第三者责任保险条款
平安商业第三者责任保险条款集团公司文件内部编码：（TTT-UUTT-MMYB-URTTY-ITTLTY-保险责任第一条在保险期间内，被保险人或其允许的合法驾驶人在使用保险车辆过程中发生意外事故，致使第三者遭受人身伤亡和财产的直接损毁，依法应由被保险人承担的经济赔偿责任，保险人对于超过机动车交通事故责任强制保险（以下简称交强险）各分项赔偿限额以上的部分，按照本保险合同的规定负责赔偿。
责任免除第二条下列原因导致的意外事故，保险人不负责赔偿：（一）地震及其次生灾害；（二）战争、军事冲突、恐怖活动、暴乱、扣押、罚没、查封、政府征用；（三）核反应、核污染、核辐射；（四）受害人与被保险人或驾驶人恶意串通；（五）被保险人、驾驶人或受害人故意导致事故发生的。
第三条发生意外事故时，保险车辆有以下情形之一的，保险人不负赔偿责任：（一）除非另有约定，发生保险事故时无公安机关交通管理部门核发的合法有效的行驶证、号牌，或临时号牌或临时移动证；（二）未在规定检验期限内进行机动车安全技术检验或检验未通过；（三）保险车辆在竞赛、检测、修理、养护，被扣押、征用、没收，全车被盗窃、抢劫、抢夺期间；（四）牵引其他未投保交强险的车辆或被该类车辆牵引；（五）保险车辆转让他人，被保险人、受让人未履行本保险合同第二部分“通用条款”第十五条规定的通知义务的，因转让导致保险车辆危险程度显着增加而发生保险事故。
第四条发生意外事故时，驾驶人有以下情形之一的，保险人不负赔偿责任：（一）未依法取得驾驶证、持未按规定审验的驾驶证、驾驶与驾驶证载明的准驾车型不符的机动车的；（二）驾驶人在驾驶证丢失、损毁、超过有效期或被依法扣留、暂扣期间或记分达到12分，仍驾驶机动车的；（三）学习驾驶时无教练员随车指导的；（四）实习期内驾驶载有爆炸物品、易燃易爆化学物品、剧毒或者放射性等危险物品的机动车的，或驾驶机动车牵引挂车的；（五）饮酒或服用国家管制的精神药品或麻醉药品的；（六）未经被保险人同意或允许而驾车的；（七）利用保险车辆从事犯罪活动；（八）事故发生后，被保险人或驾驶人在未依法采取措施的情况下驾驶保险车辆或者遗弃保险车辆逃离事故现场，或故意破坏、伪造现场、毁灭证据的；（九）依照法律法规或公安机关交通管理部门有关规定不允许驾驶保险车辆的其他情况下驾车。
短期出口信用保险
撤销可损 （§10）
撤销索赔 减损方案需 得到书面同 意
24/20
拖欠：催款；破产：债权登记、所 有权保留、在途货物；拒收：处理 方案
不超过最高 赔偿限额 具体依据信用限 额审批单决定 有效信用限额
从低 （ § 12）
25/20
具体根据限额审批单确 定赔付比例
26/20
视国别、地区而定 赔付前（§5.4） （1-保单约定赔偿比 例）
6/20
7/20
无论各位遇到任何风险，也无论各 位采取什么减损措施，都必须得到Байду номын сангаас中信保的书面同意。
8/20
9/20
出口商应当在提交 《可能损失通知书》后 向中信保提交《索赔申请书》
10/20
�按规定期限提交索赔申请； �提交相关单证（一）：
P.S.贸易单证、保险单证、反洗钱单证提供复印件即可，每页都要盖公章，超过 两页盖骑缝章
实际追 回款
佣金率
债权登 记费
赔付后（§5.5） （ 1-赔付金额/赔付 时有效委托金额）
基数
权益比例
28/20
被保险人A公司为M国客户以OA60天方式为我司申 请的限额是200万美元，向M国客户出口2批货 物，第一批出运时间是2004年6月1日，货值150 万；于7月5日出运第二批，货值50万，但由于疏 忽并未申报；于8月7日出运第三批，货值100万 （出货前申请追加50万）。由于美国客户拖欠， A在10月5日向我公司报损并提出索赔，索赔金额 为300万美元。
中华保险三者条款
中华保险三者条款
根据中华保险的三者保险条款，保险人将在被保险人因驾驶保险车辆发生交通事故造成第三者财产损失或人身伤亡时，依法负有的赔偿责任范围内，向受害人或其合法受让人支付相应的赔偿金额。
以下是一般情况下的三者条款内容：
1. 第三者财产损失赔偿：保险人将负责赔偿因被保险人驾驶的车辆在交通事故中，导致第三者财产损失的费用。
具体赔偿金额根据事故造成的损失程度进行合理处理。
2. 第三者人身伤亡赔偿：保险人将负责赔偿因被保险人驾驶的车辆在交通事故中，导致第三者人身伤亡的费用。
根据被保险人的责任程度和事故造成的损害，进行相应的赔偿金额。
3. 附加特约条款：根据个人需求，中华保险还可以提供一些附加特约条款，例如指定修理厂、无赔款优待、陪驾服务等额外的保险条款，以提供更加全面的保障。
需要注意的是，具体的保险条款内容可能会因为保险合同的不同而有所差异，请确保仔细阅读自己的保险合同条款，或者咨询中华保险的工作人员以获取准确的信息。
这里提供的内容仅供参考。
关于避免因被保险人业务操作问题而影响自身保险权益的提示
参考资料关于避免因被保险人业务操作问题而影响自身保险权益的提示申报方面谨防知险后出运””限额方面谨防““知险后出运贸易合同证据留存风险发生后2011-332011-本材料旨在指导被保险人规范业务操作，避免因业务操作瑕疵而影响自身保险权益。
我们根据理赔时发现的常见问题，编写了本材料，从六个方面提示被保险人在投保后应注意的部分典型事项。
本材料仅供被保险人业务操作时作为参考资料使用，相关内容可能因业务政策调整和产品革新而发生变更，请在参考时注意。
本材料只针对短期出口信用保险综合保险（条款版本：3.0修订版）。
I．申报方面31.履约率32.避免迟申报、漏申报3.正确申报3II．谨防谨防““知险后出运知险后出运””31.知险后出运的界定2.知险后出运的后果3.防范建议III．限额方面1.确保限额有效，及时倒签42.限额主体与付款责任人一致43.赔付基数以实际损失和限额二者低者为准4.注意限额特别生效条件4IV．贸易合同1.贸易合同的形式52.完善关于质量争议的约定53.贸易合同变更应当以书面形式确认5V．证据留存方面51.往来函电52.索赔基本单证5VI．风险发生后61.及时报损62.积极减损63.风控及减损方案的事先确认6I.I.申报方面申报方面1.履约率出口信用保险合同中关于约定投保金额的规定非常关键，关系到出险后案件定损核赔。
如果履约率不足，我司有权视情况降低赔偿比例直至拒绝承担赔偿责任。
保单相关约定：《保单明细表》“关于年度约定投保金额”：“约定投保金额是与保险费率相对应的本保单项下被保险人在本保单年度有效期内应申报的出口金额的最低额应申报的出口金额的最低额。
请被保险人投保时根据自身实际情况合理评估履约能力并在保单执行过程中因客观原因预估难以达到约定保额时，及时申请调整约定投保金额及相应承保条件，避免因履约率不足影响保险权益。
”2.避免迟申报、漏申报根据保单规定，被保险人应当按照《保险单明细表》约定的申报方法及时申报约定保险范围内的全部出口，对于未在规定时间内申报的出口，被保险人有义务及时补报。
机动车辆第三者责任保险合同条款5篇
机动车辆第三者责任保险合同条款5篇篇1甲方（保险公司）：___________________乙方（投保人/车主）：___________________鉴于甲方同意向乙方提供机动车辆第三者责任保险服务，为明确双方的权利与义务，甲乙双方根据平等自愿的原则，特订立本保险合同条款。
一、保险标的1. 本保险合同涉及的机动车辆（以下简称“保险车辆”）系指乙方所有或合法占有的，且在保险合同中载明的车辆。
2. 本保险适用于因保险车辆在使用过程中对第三方造成的人身伤亡或财产损失，依法应由乙方承担的经济赔偿责任。
二、保险金额与赔偿限额1. 保险金额及赔偿限额由甲乙双方在本保险合同成立时约定，并在保险单中载明。
2. 乙方可选择不同档次的三者责任险赔偿限额，包括但不限于XX 万元、XX万元等不同档次。
赔偿限额为保险人针对每次事故向第三方支付的最大赔偿金额。
三、保险期间1. 本保险的保险期间由甲乙双方约定，并在保险单中载明。
2. 保险期间届满前，乙方应按时向甲方提出续保申请，并支付相应保险费。
若乙方未按时续保，保险责任自保险期间届满之时终止。
四、保险费用及支付方式1. 保险费用由乙方按照约定的金额和支付方式支付。
2. 乙方应按照约定的时间、地点和方式支付保险费。
若乙方未按时支付保险费，甲方有权解除本保险合同，并不承担任何赔偿责任。
五、保险责任与免责条款1. 保险责任：因保险车辆的意外事故导致第三方遭受人身伤亡或财产损失，依法应由乙方承担的经济赔偿责任，甲方在保险合同约定的赔偿限额内承担赔偿责任。
2. 甲方不承担以下损失或费用：战争、军事冲突等导致的损失；因保险车辆被盗抢导致的损失；因被保险人或其允许的驾驶人的故意行为导致的损失等。
具体免责条款详见保险合同。
六、事故通知与理赔程序1. 发生事故后，乙方应立即通知甲方，并尽力协助甲方进行现场查勘和事故处理。
2. 乙方应按照甲方要求提供理赔所需的证明和资料。
如因乙方提供资料不全或延误通知导致甲方无法及时查勘现场或核定损失，由此产生的损失由乙方承担。
2023年机动车辆第三者责任保险合同条款
2023年机动车辆第三者责任保险合同条款第一章总则第一条为保障机动车安全行驶，维护交通秩序，避免因交通事故给第三者带来财产损失并提供相应的经济补偿，依法从事保险业务，根据《保险法》以及相关法律法规的规定，制定本条款。
第二条本保险合同由车主与保险人订立，受保险人为机动车所有人或合法使用人。
合同受法律保护。
第三条本保险合同的保险责任范围为：因机动车行驶过程中发生的车辆对第三者造成的人身伤亡、财产损失的赔偿责任。
第四条本保险合同适用于在中华人民共和国境内使用并行驶的机动车辆。
第五条本保险合同所称的第三者是指与被保险机动车没有利害关系的除车主、驾驶人及乘车人以外的其他人。
第二章保险责任第六条保险人按本合同规定的责任承担限额内的赔偿责任。
第七条保险人负责对被保险机动车在保险期间内，因车辆行驶过程中发生的车辆对第三者造成的人身伤亡、财产损失给予相应的经济赔偿。
第八条保险人向第三者赔偿后，保险人有权向车主追偿。
第三章免赔除外第九条下列情况下，保险人有权对第三者不承担任何赔偿责任：（一）被保险机动车发生事故时，驾驶人不具备有效驾驶证或者超过驾驶证的有效期限。
（二）被保险机动车发生事故时，驾驶人处于酒、醉、吸毒、无证驾驶或者疲劳驾驶状态。
（三）被保险机动车发生事故时，驾驶人明知车辆存在故障或缺陷而强行行驶。
（四）被保险机动车发生事故时，驾驶人故意制造事故。
（五）在保险期间，车主未按照规定定期进行车辆年检。
（六）损失属于第二章第七条规定的除外责任范围。
第四章保险费和保险期间第十条保险费根据车型、车龄、驾驶人驾驶记录等因素确定。
第十一条保险期间为12个月。
第五章保险金额第十二条本保险合同约定的赔偿限额为每次事故100万人民币。
第十三条保险人对同一事故的第三者损失，在保险期间内累计赔偿金额不超过保险合同约定的赔偿限额。
第六章保险理赔第十四条第三者受害后应及时通知保险人，保险人应指定相关部门对事故进行调查，并及时支付相应赔偿金。
都邦商业三者险保险条款2020
都邦商业三者险保险条款2020在投保了车辆损失险的基础上方可投保玻璃单独破碎险、车辆停驶损失险、自燃损失险、新增加设备损失险、代步车费用险、车身划痕损失险。
在投保了第三者责任险的基础上方可投保车上人员责任险、车上货物责任险、车载货物掉落责任险。
在投保了全车盗抢险的基础上方可投保全车盗抢附加高尔夫球具盗窃险。
在投保了车辆损失险、第三者责任险和车上人员责任险的基础上方可投保交通事故精神损害赔偿险。
附加险条款与基本险条款相抵触之处，以附加险条款为准，未尽之处，以基本险条款为准。
保险责任：第一条：保险车辆全车被盗窃、抢劫、抢夺，经县级以上公安部门立案侦查，自立案之日起满三个月未查明下落的，本公司按照保险合同的规定在约定的保险金额内负责赔偿。
第二条：保险车辆在全车被盗窃、抢劫、抢夺期间发生的车辆损坏，本公司按照保险合同的规定在约定的保险金额内负责赔偿修复费用。
第三条：保险事故发生后，被保险人为防止或者减少保险车辆的损失所支付的必要的、合理的费用，本公司按照保险合同的规定在约定的保险金额内负责赔偿。
责任免除：第四条：下列损失，本公司不负责赔偿：（一）非全车遭盗窃、抢劫、抢夺，仅车上零部件或附属设备被盗窃、抢劫、抢夺、损坏；（二）非保险车辆全车被盗窃、抢劫、抢夺期间发生的任何损失；（三）诈骗行为造成的损失；（四）承租人以及经许可使用保险车辆的驾驶人与保险车辆同时失踪导致的损失；（五）保险车辆被有关机关罚没、扣押、查封；（六）保险车辆在被罚没、扣押、查封期间发生的损失；（七）未按保险合同约定交纳保险费；（八）保险车辆全车被盗窃、抢劫、抢夺期间造成的第三者人身伤亡或财产损失；（九）因民事、经济纠纷导致保险车辆被盗窃、抢劫、抢夺；（十）被保险人及其家庭成员、被保险人允许的驾驶人的故意行为或违法行为造成的全车或部分损失交强险主要是承担广覆盖的基本保障。
对于更多样、更高额、更广泛的保障需求，消费者可以在购买交强险的同时自愿购买商业三责险和车损险等。
电子保单标准规范企业标准2020版
电子保单标准规范目次前 言 (II)引 言 (III)电子保单标准规范 (1)1范围 (1)2术语和定义 (1)2.1可靠电子签名reliable electronic signature (1)2.2版式电文plate type message (1)2.3结构化数据structured data (1)2.4电子保单electronic policy (1)2.5电子批单electronic endorsement (1)2.6电子投保单electronic application form (1)2.7电子投保electronic application (2)2.8电子保单发送delivery of electronic policy (2)2.9电子保单签收receipt of electronic policy (2)2.10电子保单查询inquiry of electronic policy (2)2.11电子保单下载download of electronic policy (2)2.12电子保单验真verification of electronic policy (2)2.13人脸识别face recognition (2)2.14活体人脸live face (2)2.15电子保单统一查验平台unified inspection platform for electronic policy23电子保单实务规范 (2)3.1电子保单实务规范概述 (2)3.2电子投保 (2)3.3电子制单 (3)3.4送单规范 (4)3.5查询规范 (5)3.6下载规范 (5)3.7保单验真规范 (5)3.8保险合同变更 (5)3.9理赔规范 (6)3.10回执规范 (6)3.11归档规范 (6)4电子保单信息安全规范 (6)4.1数据信息安全 (6)4.2数据信息安全技术要求 (7)电子保单标准规范1范围本标准规定了交银康联人寿保险有限公司（以下简称“交银康联人寿”）电子保单自投保至责任终止全流程标准规范和信息安全规范。
综合险3.0版(英文)保单
CHINA EXPORT & CREDIT INSURANCE CORPORATIONSHORT-TERM COMPREHENSIVE POLICYShort Term Export Credit Insurance Policy (Comprehensive Cover)Insurance Company: China Export & Credit Insurance Corporation Type of Insurance: Short Term Export Credit Insurance Name of Provisions: Short Term Export Credit Insurance (Comprehensive Cover) Policy Version of Provisions: Short Term/Main Risks/ Comprehensive Risk Insurance 2009 Chapter One Scope of PolicyArticle I Cover is provided under the Policy for the export trade conducted by the enterprises registered within the territory of the People’s Republic of China, which satisfies the following conditions: (i) The sales contracts are real, legitimate and valid, which generally specify the main clauses, such as the parties concerned, type of goods, quantity, price, time/place/mode of delivery and payment terms,etc.; and (ii) Payment is to be made by L/C or non-L/C methods, in either case the credit period does not exceed 360 days, and the L/C shall be an irrevocable documentary one opened according to the Uniform Customs and Practice for Documentary Credits. Chapter Two Coverage Article II During the Policy Period, after the Insured dispatches goods in accordance with the terms and conditions of a sales contract or, as a beneficiary, presents documents according to the terms of an L/C, the Insurer shall assume the liability for the Insured’s direct losses resulting from the following risks in accordance with the terms and conditions of the Policy: (i) Commercial risks In case of payment by non-L/C, including the following circumstances: 1. Buyer’s Bankruptcy or insolvency or ; 2. Buyer’s Protracted Default or 3. Buyer’s Refusal to take delivery of goods. In case of payment by L/C, including the following circumstances: 1. Issuing Bank’s Bankruptcy, winding-up or a receiver is appointed for it or;1 THIS ENGLISH VERSION IS FOR REFERENCE ONLY AND THE CHINESE WORDING IS LEGALLY BINDING.CHINA EXPORT & CREDIT INSURANCE CORPORATIONSHORT-TERM COMPREHENSIVE POLICY2. Issuing Bank’s Default or 3. Issuing Bank’s refusal to accept the L/C. (ii) Political risks In case of payment by non-L/C, including the following circumstances: 1. The Buyer’s country or region promulgates any laws, decrees, orders, rules or takes any administrative measures, prohibiting or restricting the Buyer from paying the proceeds in the currency agreed in the contract or in any other freely convertible currency, prohibiting the importation of the goods purchased by the Buyer, canceling the import license already issued to the Buyer or refusing to approve extension of the period of the import license; 2. A general moratorium is declared by the Buyer’s country or region or by a third country through which payment of the proceeds must be effected; 3. The occurrence of war, civil commotion , insurrection, revolution or rebellion in the Buyer’s country or region, which prevents the Buyer from performing the contract; or 4. Other events determined by the Insurer as political risks which prevent the Buyer from performing the contract. In case of payment by L/C, including the following circumstances: 1. The Issuing Bank’s country or region promulgates any laws, decrees, orders, rules or takes any administrative measures, prohibiting or restricting the Issuing Bank from making payment under the L/C in the currency specified in the L/C or in any other freely convertible currency; 2. A general moratorium declared by the Issuing Bank’s country or region or by a third country through which the payment under the L/C must be effected; 3. The occurrence of war, civil commotion insurrection, revolution or rebellion in the Issuing Bank’s country or region, which prevents the issuing bank from performing the payment obligations under the L/C; or 4. Other events determined by the Insurer as political risks which prevent the Issuing Bank from performing the obligations under the L/C.2 THIS ENGLISH VERSION IS FOR REFERENCE ONLY AND THE CHINESE WORDING IS LEGALLY BINDING.CHINA EXPORT & CREDIT INSURANCE CORPORATIONSHORT-TERM COMPREHENSIVE POLICYChapter ThreeExclusionsArticle III Unless otherwise provided in the Policy, the Insurer shall not be liable for any of the following losses: (i) Losses from exchange rate fluctuations; (ii) Losses from breach of contract, fraud or other illegal acts by the Insured or its agent(s), or from bankruptcy of the Insured’s agent(s); (iii) Losses incurred which the Insured knows or ought to know the occurrence of any of the risks listed in Article II of the Policy, or the Insured continues to export to the buyer after the material or anticipatory breach of the sales contract by the Buyer. (iv) The following losses where payment is made by non-L/C methods 1. Losses insurable under cargo transport insurance or other types of insurance; 2. Losses from bankruptcy, breach of contract, fraud or other illegal acts by the Buyer’s agent(s); 3. Losses from release of documents by a bank, or from release of goods by a freight forwarder or carrier without proper authority; 4. Losses from Commercial Risks as a result of exports by the Insured to its Affiliated Company(ies); 5. Losses from frustration of the sales contract due to failure by the Insured or the Buyer to obtain any necessary license, approval or authorizations in a timely manner; (v) The following losses where payment is made by L/C methods 1. Losses from refusal by the Issuing Bank to accept the L/C or make payment thereunder because the documents are not in conformity with the terms and conditions of the L/C or are inconsistent with each other; 2. Losses from delay, loss, damage or mis-delivery of the documents under the L/C occurred in the process of dispatch or electronic transmission; 3. Losses from fraudulent or void L/Cs; or (vi) Any other losses beyond the coverage of the Policy. Chapter Four Limit of Liability：：Article IV The Limit of Liability includes the Maximum Limit of Liability and the Credit Limit. (i) The Maximum Limit of Liability under the Policy means, during a Policy Period, the maximum amount of aggregate losses for which the Insurer may be liable in respect of the exports declared by3 THIS ENGLISH VERSION IS FOR REFERENCE ONLY AND THE CHINESE WORDING IS LEGALLY BINDING.CHINA EXPORT & CREDIT INSURANCE CORPORATIONSHORT-TERM COMPREHENSIVE POLICYthe Insured to the Insurer in accordance with the Policy. The Maximum Limit of Liability is specified in the Schedule of the Policy; (ii) The Credit Limit is the maximum amount of loss approved by the Insurer, for which the Insurer may be liable in respect of the exports dispatched to a specific buyer or of the exports under the L/Cs opened by a specific Issuing Bank. The actual amount of indemnity is to be calculated according to the Indemnity Ratio specified in the Policy; 1. The Insured shall, in respect of the exports covered under this Policy, apply to the Insurer in writing for Credit Limits for each Buyer or each Issuing Bank. 2. The approved Credit Limit is valid for the underlying exports dispatched after its effective date. Unless specified otherwise, the Credit Limit is revolving during the Policy Period. The Insurer is entitled to adjust the Credit Limit according to the actual use of the Credit Limit by the Insured. Where the Insured fails to declare the shipments beyond the “Idle Period of Limit”, the Insurer is entitled to cancel the corresponding Credit Limit; 3. Once a new Credit Limit comes into effect, the previous Credit Limit in respect of the same Buyer or the same Issuing Bank becomes invalid automatically. The balance of the coverage under the invalid Credit Limit is transferred under the newly approved Credit Limit; 4. From the date the Insured presents a Threatening Loss Notification in respect of any Buyer or Issuing Bank, the Credit Limit approved by the Insurer in respect of the said Buyer or Issuing Bank is cancelled automatically; where there is material change to the risk profile, the Insurer is entitled to adjust or cancel the Credit Limit and notify the Insured thereof in writing; 5. The adjustment or cancellation of a Credit Limit is valid for the exports dispatched after the date of adjustment or cancellation and does not affect the liabilities assumed by the Insurer before that date; and 6. The Insurer is not liable for the exports in respect of any Buyer or Issuing Bank if the Insured fails to obtain a Credit Limit for it before dispatching the goods, or the Credit Limit for the relevant Buyer or Issuing Bank becomes invalid or is cancelled. Chapter Five DeclarationArticle V The Insured shall declare to the Insurer the exports which fall within the Scope of Policy in the way(s) specified in the Schedule of the Policy and in the form stipulated by the Insurer. Article VI The Insurer is not liable for the exports which the Insured does not declare or declares incorrectly. The Insured is obliged to declare as soon as possible the exports which are not declared in the prescribed time limit. If however any loss or any event which may result in a loss has occurred in respect of such un-declared exports, the Insurer is not liable therefor.4 THIS ENGLISH VERSION IS FOR REFERENCE ONLY AND THE CHINESE WORDING IS LEGALLY BINDING.CHINA EXPORT & CREDIT INSURANCE CORPORATIONSHORT-TERM COMPREHENSIVE POLICYIf the Insured fails to declare or omits to declare intentionally, the Insurer is entitled to refuse to indemnify the Insured for all the losses incurred in respect of the exports under the Policy and to retain the premiums received. Chapter Six PremiumArticle VII The Insurer shall calculate and collect the premium payable on the basis of the methods specified in the Schedule of the Policy. The Insurer shall not be liable for the exports declared by the Insured if the Insured fails to pay the premium in full within the prescribed time limit. Where the Insured fails to pay the premium 60 days from the prescribed time limit, the Insurer is entitled to terminate the Policy and shall notify the Insured thereof in writing. The Policy becomes void from the date the written notice is delivered to the Insured. The premium paid under the Policy is non-refundable. The termination does not release the Insurer of its liabilities assumed under the Policy before the date of termination. Article VIII Where there is material change to the risk profile, the Insurer may modify the premium rate and notify the Insured thereof in writing. The modified rate shall take effect as from the effective date specified in the notice of modification.Chapter SevenClaimArticle IX The Insured shall submit Threatening Loss Notification to the Insurer in respect of the Protracted Default under Article II of the Policy within 30 days, or in respect of any other risks within 10 working days, from the date it knows or should have known the occurrence thereof. Insured’s submitting the Threatening Loss Notification is the precondition for claims. Where the Insured fails to submit the “Threatening Loss Notification” within the time limit prescribed in the Policy, the Insurer is entitled to reduce the Indemnity Ratio. If the Insured fails to submit the Threatening Loss Notification within 6 months from the prescribed time limit, the Insurer is entitled to reject the claim. Article X Where the proceeds are received after the Threatening Loss Notification is submitted, the Insured shall notify the Insurer thereof in writing within 10 working days upon receipt of the payment. Article XI The Insured shall submit a Claim Form together with all the supporting documents listed in the Claim Documents Schedule to the Insurer within 4 months following the submission of the Threatening Loss Notification. Otherwise, except for the prior written consent by the Insurer, the Insurer is entitled to reduce the Indemnity Ratio or reject the claim. If the documents submitted by the Insured is incomplete and the Insured fails to produce supplementary documents according to the request of the Insurer, the Insurer is entitled to reject the claim.5 THIS ENGLISH VERSION IS FOR REFERENCE ONLY AND THE CHINESE WORDING IS LEGALLY BINDING.CHINA EXPORT & CREDIT INSURANCE CORPORATIONSHORT-TERM COMPREHENSIVE POLICYArticle XII After the Insurer accepts the Indemnity Application from the Insured, unless otherwise provided for in the Policy, it shall verify the causes of loss within 4 months and notify the Insured of its ascertainment in writing. Subject to the satisfaction of the conditions for the Maximum Limit of Liability, the Insurer shall be liable for the losses which fall within the coverage of the Policy and the base amount of indemnity is to be determined as either the ascertained loss or the Credit Limit, whichever is lower. The base amount of indemnity shall in no case exceed the invoice amount of the goods exported. The amount of indemnity is the product of the base amount of indemnity multiplied by the Indemnity Ratio as provided in the Policy. Article XIII Where there is a payment guarantee or a trade dispute between the parties, the principles to be followed by the Insurer in ascertaining losses and settling claims are as follows: (i) Where there is a payment guarantee, unless otherwise agreed by the Insurer in writing, the Insurer does not ascertain losses and settle claims before the guarantor has made payment in accordance with the guarantee, or before a final arbitral award or judgment has been obtained and an application for enforcement thereof filed if the Insured has applied for arbitration or filed a lawsuit. (ii) Where there is a trade dispute between the parties and the Buyer refuses to pay the proceeds or to take delivery of goods, unless otherwise agreed by the Insurer in writing, the Insured shall apply for arbitration or file a lawsuit in the first place. The Insurer does not ascertain losses and settle claims before a final arbitral award or judgment has been obtained and an application for enforcement thereof filed; (iii) The court costs, arbitration fees and attorney’s fees incurred above shall be paid by the Insured in the first place. Only when the Insured has won the case and the loss is covered by the Policy, should they be divided between the Insurer and the Inured in proportion to their respective interests in the loss. Otherwise, they shall be for the Insured’s own account. Article XIV When ascertaining losses and settling claims, the Insurer shall deduct the following amounts from the claim payment: (i) Amounts which the Buyer has paid, set-off, and without the written consent of the Insurer, the price cut, the debts waived, and the amounts of counterclaim accepted by the Insured; (ii) Amounts which the Insured has recovered by other means, including but not limited to amounts recovered through reselling the goods and/or disposing of mortgaged properties and/or receiving payments made by guarantor(s);6 THIS ENGLISH VERSION IS FOR REFERENCE ONLY AND THE CHINESE WORDING IS LEGALLY BINDING.CHINA EXPORT & CREDIT INSURANCE CORPORATIONSHORT-TERM COMPREHENSIVE POLICY(iii) Other amounts or interests which have been obtained by the Insured from the Issuing Bank or the Buyer; (iv) Interest, default interest or default payment which the Insured is entitled to collect from the Buyer under a sales contract; and (v) Other unreasonable amounts or expenses. Article XV Where a risk covered under the Policy has occurred the disposal of goods is involved, in principle the Insurer does not ascertain losses and settle claims before the goods are disposed of by the Insured. The prior written consent of the Insurer is needed for the Insured to dispose of the goods, otherwise the Insurer is entitled to reject the indemnity. Chapter Eight Recovery Article XVI After submitting the “Threatening Loss Notification”, the Insured shall authorize the Insurer to recover the loss or recover the loss on its own but under the direction of the Insurer, otherwise the Insurer has the right to reduce the Indemnity Ratio or to reject the claim. Article XVII Where the Insured authorizes the Insurer to recover the loss and the Insurer ascertains that the Insured’s loss is covered by the Policy, the recovery expenses shall be divided between the Insurer and Insured in proportion to their respective interests in the loss; if the Insurer ascertains that the Insured’s loss is not covered by the Policy, the recovery expenses shall be for the Insured’s own account. Article XVIII Subsequent to the payment of indemnity by the Insurer, the Insured shall assign to the Insurer all the rights and interests under the sales contract and/or the L/C concerned with respect to the loss indemnified. Meanwhile, the Insured remains obliged to assist the Insurer in recovering the loss from the Buyer or the Issuing Bank. Once the amount due is recovered from the Buyer, the amount recovered and the expenses incurred shall be divided between the Insurer and the Insured in proportion to their respective interests in the loss under the Policy. Any amount recovered or received by the Insured or its agent from the Buyer or the Issuing Bank is deemed as kept in custody for the Insurer before it is divided between the Insurer and the Insured. The Insured shall remit to the Insurer the portion it is entitled to within 10 working days upon receipt of the above-mentioned amount. Article XIX Notwithstanding any special agreement between the Insured and the Buyer, unless otherwise agreed by the Insurer in writing, any payments made by the Buyer to the Insured after the occurrence of the risks listed in the Policy are deemed to offset the accounts receivable by that Buyer to the Insured under the Policy in the chronological order.7 THIS ENGLISH VERSION IS FOR REFERENCE ONLY AND THE CHINESE WORDING IS LEGALLY BINDING.CHINA EXPORT & CREDIT INSURANCE CORPORATIONSHORT-TERM COMPREHENSIVE POLICYArticle XX Where any of the following circumstances arises after the insurer’s indemnification, the Insured shall refund the payment of loss plus interests accrued to the Insurer within 10 working days upon receipt of the refund request from the Insurer: (i) The Insurer becomes aware that there exists a payment guarantee or a trade dispute between the Insured and the Buyer, or the Insured has not complied with the principle of utmost good faith; (ii) The Insured accepts returned goods, allows discount, waives debts and/or enters into settlement agreement with the Buyer or the Issuing Bank at will; (iii) The Insurer is unable to exercise the subrogation rights in whole or in part because of the Insured; or (iv) The Insurer ascertains that the causes of loss do not fall within the coverage of the Policy. Chapter Nine Obligations of the InsuredArticle XXI Without the written consent of the Insurer, the Insured shall not, in respect of the risks in connection with the exports covered under the Policy, apply to other institutions for credit insurance coverage. Article XXII The Insured shall disclose to the Insurer all the information which may affect the Insurer’s risk assessment, rate setting, limit approval, ascertainment of claim and recovery in a truthful, complete, accurate and timely manner. After the exports have been dispatched, the Insured shall check the performance of the sales contract regularly, and collect the proceeds in real earnest. Where the Insured becomes aware of any negative information with regard to the Buyer or the Issuing Bank or the occurrence of any of the risks in Article II of the Policy, it shall take all necessary measures promptly to avoid or mitigate losses and shall notify the Insurer thereof in writing. Where the Buyer or the Issuing Bank is in bankruptcy proceedings, the Insured is obliged to register its rights with the competent court or agency timely. Article XXIII Before changing the payment method, period of payment or other terms and conditions of a sales contract, which may affect the rights and interests of the Insurer, the Insured shall obtain the prior written consent of the Insurer. Otherwise the Insurer is not liable for the losses of the underlying exports. Article XXIV The Insured is obliged to assist the Insurer in examining the books and accounts, contracts and the correspondences with Buyer(s), and other materials relevant to the Policy. The8 THIS ENGLISH VERSION IS FOR REFERENCE ONLY AND THE CHINESE WORDING IS LEGALLY BINDING.CHINA EXPORT & CREDIT INSURANCE CORPORATIONSHORT-TERM COMPREHENSIVE POLICYInsurer undertakes to keep the materials confidential. Article XXV The Insured is obliged to keep confidential the Insurance Provisions of the Policy, the underlying documents and the relevant information provided by the Insurer. Failure to fulfill the obligation of confidentiality will render the Insured liable for the legal liabilities arising therefrom. Article XXVI The Insured shall perform its obligations in accordance with the terms and conditions of the Policy. Where the Insured fails to fulfill its obligations and thus affects Insurer’s rights and interests, the Insurer is entitled to reduce the Indemnity Ratio, reject claims or terminate the Policy, and retain the premium paid.Chapter TenMiscellaneousArticle XXVII The Insured has the right to terminate the Policy within the Policy Period, provided that it shall notify the Insurer in writing. The Policy is terminated from the date the notice is received by the Insurer. Unless otherwise provided for in the Policy, all the premiums paid by the Insured are non- refundable. The termination does not release the Insurer of its liabilities assumed under the Policy before the date of termination. Article XXVIII The Policy Period is one year. If neither the Insurer nor the Insured proposes to modify or cancel the Policy, it is renewed automatically for another year upon the expiry of the previous period.All the existing endorsements under the policy are automatically extended after the policy is renewed. Article XXIX Without the prior written consent of the Insurer, the Insurer shall not in any way be bound by any assignment, mortgage, pledge and pawn by the Insured of its interests under the Policy or by any other acts of the Insured to dispose of the said interests. The Insured shall compensate the Insurer for the loss incurred therefrom. Article XXX Any dispute arising under the Policy shall be settled by consultations. Should no agreement be reached, the dispute shall be settled in the way(s) specified in the Schedule of the Policy. Article XXXI The Chinese version of the Policy prevails and it is governed by the laws of the People’s Republic of China. Article XXXI I Definitions9 THIS ENGLISH VERSION IS FOR REFERENCE ONLY AND THE CHINESE WORDING IS LEGALLY BINDING.CHINA EXPORT & CREDIT INSURANCE CORPORATIONSHORT-TERM COMPREHENSIVE POLICY(i) The Policy means this Short Term Export Credit Insurance (Comprehensive Cover) Policy (Serial Number: see policy number in the Schedule), which consists of the Proposal, the Schedule of the Policy, the Endorsement, the Insurance Provisions, the Country (Region) Category, the Credit Limit Application Form and its Appendix, the Credit Limit Approval Form, the Claim Schedule, the Recovery Authorization Agreement, the Declaration of Export and other relevant documents; (ii) Insurer means China Export & Credit Insurance Corporation; (iii) Export means that goods have been declared to the Chinese Customs and delivered to the carrier or directly to the Buyer or otherwise determined by the Insurer; (iv) Non-L/C payment methods include documents against payment acceptance (D/A) and open account (OA), etc.;（D/P）, documents against“D/P – documents against payment” means the payment methods in sales contracts where release of the shipping documents to the Buyer is subject to payment by the Buyer, which includes D/P and other payment methods of equivalent terms. “D/A – documents against acceptance ” means the payment methods in sales contracts where release of the shipping documents to the Buyer is against a draft accepted by the Buyer, which includes D/A and other payment methods of equivalent terms. “O/A – open account” means the payment methods in sales contracts where the Buyer can obtain goods or the shipping documents without having to make payment or accept a draft, which includes O/A, D/P, D/A and other payment methods of equivalent terms, where the goods are dispatched by air transportation, overland transportation, or part of the shipping documents are sent directly to the Buyer.(v) Credit Period means, in respect of non-L/C payment methods, the period from the export date of goods to the due date of payment by the Buyer; in respect of L/C payment method, the period from the date the Insured submits the documents required in the L/C to the negotiating bank or the advising bank to the due date of payment by the Issuing Bank; (vi) Affiliated Company means any company which, by way of capital, operation and/or personnel, etc., directly or indirectly owns or controls, is owned or controlled by the Insured, or jointly owned or controlled by a third party; (vii) Issuing Bank means the bank which acting at the request of the applicant opens an L/C and undertakes to bear payment obligations independently in accordance with the terms and conditions of10 THIS ENGLISH VERSION IS FOR REFERENCE ONLY AND THE CHINESE WORDING IS LEGALLY BINDING.。
短期出口信用保险综合保险条款(中信保)
短期出口信用保险综合保险条款（3.0修订版）（条款编码：SCH200909）第一章适保范围第一条本保单适用于在中华人民共和国境内注册的企业进行的符合下列条件的出口贸易：（一）销售合同真实、合法、有效，一般应包括合同主体、货物种类、数量、价格、交货时间、地点和方式及付款条件等主要内容；（二）以信用证或非信用证为支付方式，信用期限不超过三百六十天；其中，信用证应为按照约定的《跟单信用证统一惯例》开立的不可撤销的跟单信用证。
第二章保险责任第二条保险人对被保险人在本保单有效期内按销售合同约定出口货物后，或作为信用证受益人按照信用证条款规定提交单据后，因下列风险引起的直接损失，按本保单约定承担保险责任。
（一）商业风险非信用证支付方式下包括以下情形：1.买方破产或无力偿付债务；2.买方拖欠货款；3.买方拒绝接受货物。
信用证支付方式下，包括以下情形：1.开证行破产、停业或被接管；2.开证行拖欠；3.开证行拒绝承兑。
（二）政治风险非信用证支付方式下包括以下情形：1.买方所在国家或地区颁布法律、法令、命令、条例或采取行政措施：（1）禁止或限制买方以合同约定的货币或其他可自由兑换的货币向被保险人支付货款；（2）禁止买方所购的货物进口；（3）撤销已颁发给买方的进口许可证或不批准进口许可证有效期的展延。
2.买方所在国家或地区，或货款须经过的第三国颁布延期付款令；3.买方所在国家或地区发生战争、内战、叛乱、革命或暴动，导致买方无法履行合同；4.导致买方无法履行合同、经保险人认定属于政治风险的其他事件。
信用证支付方式下包括以下情形：1.开证行所在国家或地区颁布法律、法令、命令、条例或采取行政措施，禁止或限制开证行以信用证载明的货币或其他可自由兑换的货币向被保险人支付信用证款项；2.开证行所在国家或地区，或信用证付款须经过的第三国颁布延期付款令；3.开证行所在国家或地区发生战争、内战、叛乱、革命或暴动，导致开证行不能履行信用证项下的付款义务；4.导致开证行无法履行信用证项下付款义务的、经保险人认定属于政治风险的其他事件。
保险合同条款解析
保险合同条款解析在现代社会，保险已经成为人们生活中不可或缺的一部分。
然而，许多消费者在购买保险时对保险合同条款的理解往往不够深入，这可能导致在理赔时出现问题。
因此，对保险合同的条款进行解析显得尤为重要。
保险合同的基本构成保险合同通常由以下几个部分组成：1.投保人和被保险人信息o在合同中，投保人是签署合同并支付保险费的单位或个人，而被保险人则是保险保障的对象。
确保这部分信息的准确性非常重要。
2.保险标的o指的是保险所保障的对象，例如车辆、房屋或人身等。
明确保险标的有助于在理赔时快速确定责任。
3.保险责任o这是保险合同的核心部分，列出了保险公司在发生意外事件后将承担的责任。
消费者需要仔细阅读这一部分，了解保险责任的范围和限制。
4.免除责任条款o该条款列出了保险公司在何种情况下不承担赔偿责任。
例如，某些行为（如酒后驾驶、故意犯罪等）可能导致保险无效。
消费者应格外关注这一部分，以免在索赔时遇到障碍。
5.保险金额o保险金额是保险公司在发生事故时给付的最高金额。
这通常与投保人支付的保险费相关。
6.保险费用o投保人需要支付的保险费用，通常以年费、季度费等形式出现。
保险费用的具体金额与投保的种类、范围及保险公司政策有关。
7.合同有效期o指合同的起止时间。
在有效期内，保险合同生效，过后则不再有效。
投保人需关注保险到期时间，以免保险失效。
理解保险条款的重要性1.避免误解o理解保险合同条款可以帮助消费者避免误解，从而做出更为明智的决策。
2.提升理赔成功率o清楚了解保险责任和免除责任条款，可以在发生事故时提高理赔的成功率，避免因条款不明而造成的索赔失败。
3.保护自身权益o保险是对潜在风险的保障，理解合同中的每一条款能够帮助消费者更好地维护自己的权益。
结论在签署保险合同之前，消费者应认真阅读每一条款，特别是保险责任和免除责任，确保对合同内容有全面的了解。
如有疑问，可咨询专业人士或保险代理人，以获得更多指导。
总之，全面了解保险合同的条款不仅能提升消费者的保障意识，还有助于在理赔时顺利获得应有的补偿。
机动车辆第三者责任保险合同条款6篇
机动车辆第三者责任保险合同条款6篇篇1一、合同双方：甲方（保险公司）：_________________________乙方（车主/投保人）：_______________________签订日期：_________________________二、保险标的：本保险涉及的机动车辆为乙方所有的机动车辆，车辆信息如下：车辆品牌：_________________________车牌号码：_________________________车辆识别代码（VIN）：______________车辆使用性质：_____________________（如个人用车、商务用车等）车辆状况良好，符合中华人民共和国道路交通管理法规的规定。
三、保险责任：在本合同有效期内，因乙方或其允许的合法驾驶人在使用保险车辆过程中发生意外事故，造成第三者人身伤亡或财产损失，依法应由乙方承担的经济赔偿责任，甲方在保险合同约定的赔偿限额内负责赔偿。
四、保险金额及费率：本保险的第三者责任保险金额（赔偿限额）由乙方自主选择，具体金额在保险单中载明。
保险费按照甲方规定的费率计算。
五、保险期限：本保险的保险期限自保险单载明的起始时间开始，至约定的终止时间结束。
六、合同双方义务：1. 甲方的义务：（1）甲方应按照合同约定承担赔偿责任。
（2）甲方应在接到乙方索赔请求后及时、合理地进行处理。
（3）甲方有权对保险事故进行调查和核实。
2. 乙方的义务：（1）乙方应如实告知甲方有关保险车辆的重要事项，如车辆改装、使用性质等。
（2）乙方应按时支付保险费。
（3）乙方应遵守道路交通管理法规，安全驾驶，维护保险车辆的安全。
（4）事故发生后，乙方应及时通知甲方，并协助甲方进行事故调查和处理。
七、赔偿处理：1. 赔偿申请：乙方应在事故发生后及时通知甲方，并按照甲方的要求提交索赔材料。
2. 赔偿核定：甲方应对乙方提交的索赔材料进行审核，并在合理期限内做出核定。
3. 赔偿支付：经核定属于保险责任的事故，甲方应按照合同约定及时支付赔偿金。
平安车险第三者责任险保险条款2023版
平安车险第三者责任险保险条款2023版平安车险第三者责任险保险条款2023版全面评估与解析一、前言车险第三者责任险作为车主必备的一项保险，其保险条款一直备受关注。
平安车险第三者责任险保险条款2023版作为最新的一份条款，其内容和保障范围又有了哪些变化呢？在本文中，我们将对平安车险第三者责任险保险条款2023版进行全面评估与解析，帮助您深入了解其中的内容和意义。
二、浅谈平安车险第三者责任险1. 什么是第三者责任险？在探讨平安车险第三者责任险保险条款2023版之前，我们首先需要了解第三者责任险的基本概念。
第三者责任险是指保险公司在被保险人因使用机动车发生交通事故，致使第三者受到人身伤害或财产损失，依法应承担赔偿责任时，保险公司按照保险合同的约定向受害第三者或受益人支付的保险金的一种保险。
2. 平安车险第三者责任险的特点平安车险作为国内领先的保险公司之一，其第三者责任险保险条款一直备受关注。
2023版的保险条款是否有什么新的变化呢？接下来，让我们深入挖掘平安车险第三者责任险保险条款2023版的内容和意义。
三、深入评估平安车险第三者责任险保险条款2023版1. 保障范围在评估一份保险条款时，首先需要关注的是其保障范围。
平安车险第三者责任险保险条款2023版是否对保障范围进行了调整？通过对比之前版本的条款，我们可以发现......2. 特殊条款和案例分析除了保障范围之外，平安车险第三者责任险保险条款2023版是否增加了一些特殊条款？这些特殊条款是否涉及到一些案例分析？通过深入研究这些条款和案例，我们能更加清晰地了解保险条款的适用范围和实际意义。
3. 理赔流程和注意事项理赔流程和注意事项也是评估保险条款的重要内容。
平安车险第三者责任险保险条款2023版是否对理赔流程进行了调整？又有哪些需要特别注意的事项呢？通过对这些内容的全面了解，我们能够更好地掌握保险条款的实际运作情况。
四、总结和回顾在本文中，我们对平安车险第三者责任险保险条款2023版进行了全面评估与解析。
中国人寿三责险保险条款
中国人寿三责险保险条款引言：中国人寿三责险是一种保险产品，旨在保障被保险人因其法律上的赔偿责任而遭受的经济损失。
本文将对中国人寿三责险保险条款进行详细解读，以便读者更好地了解该产品的保障范围和责任限制。
一、保险责任范围：中国人寿三责险保险条款明确了被保险人因其法律上的赔偿责任而遭受的经济损失可以得到保险公司的赔偿。
具体而言，保险责任范围包括但不限于以下几个方面：1. 因被保险人在保险期间内，因经营活动造成第三方人身伤亡或财产损失而引发的赔偿责任；2. 因被保险人的产品或服务质量问题而导致第三方人身伤亡或财产损失而引发的赔偿责任；3. 因被保险人的员工在工作中造成第三方人身伤亡或财产损失而引发的赔偿责任。
二、责任限制：中国人寿三责险保险条款对保险责任进行了明确的限制，以确保保险公司的风险控制和经济可持续性。
以下是一些常见的责任限制：1. 保险金额限制：保险条款规定了每次事故或索赔事件的最高保险金额，超过该金额的部分将不予赔偿；2. 免赔额限制：保险条款规定了被保险人需要自行承担的赔偿金额，即免赔额。
只有超过免赔额的部分才能得到保险公司的赔偿；3. 责任免除：保险条款列举了一些特定情况下，保险公司不承担赔偿责任的情况，例如故意行为、违法行为等；4. 法律限制：保险条款明确规定了法律上不属于被保险责任范围的情况，例如违法犯罪行为、战争等。
三、保险费用和索赔流程：中国人寿三责险保险条款还对保险费用和索赔流程进行了规定，以确保保险合同的正常进行。
1. 保险费用：被保险人需要按照合同约定向保险公司支付保险费用。
保险费用的计算通常基于被保险人的经营规模、风险等级等因素；2. 索赔流程：在发生事故或索赔事件后，被保险人需要及时向保险公司提供相关证据和信息，并按照约定的流程提交索赔申请。
保险公司将依据保险条款和相关法律法规对索赔进行审核，并在合理的时间内给予赔偿。
结语：中国人寿三责险保险条款明确了保险的责任范围、责任限制、保险费用和索赔流程等重要内容。
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中国出口信用保险公司短期出口信用保险综合保险条款保险公司：中国出口信用保险公司保险类别：短期出口信用保险条款版本：短期/主险/综合保险3.0修订版第一章 适保范围第一条 本保单适用于在中华人民共和国境内注册的企业进行的符合下列条件的出口贸易：（一）销售合同真实、合法、有效，一般应包括合同主体、货物种类、数量、价格、交货时间、地点和方式及付款条件等主要内容；（二）以信用证或非信用证为支付方式，信用期限不超过三百六十天；其中，信用证应为按照约定的《跟单信用证统一惯例》开立的不可撤销的跟单信用证。
第二章 保险责任第二条 保险人对被保险人在本保单有效期内按销售合同约定出口货物后，或作为信用证受益人按照信用证条款规定提交单据后，因下列风险引起的直接损失，按本保单约定承担保险责任。
（一）商业风险非信用证支付方式下包括以下情形：1.买方破产或无力偿付债务；2.买方拖欠货款；3.买方拒绝接受货物。
信用证支付方式下，包括以下情形：1.开证行破产、停业或被接管；2.开证行拖欠；3.开证行拒绝承兑。
（二）政治风险非信用证支付方式下包括以下情形：1.买方所在国家或地区颁布法律、法令、命令、条例或采取行政措施：（1）禁止或限制买方以合同约定的货币或其他可自由兑换的货币向被保险人支付货款；（2）禁止买方所购的货物进口；（3）撤销已颁发给买方的进口许可证或不批准进口许可证有效期的展延。
2.买方所在国家或地区，或货款须经过的第三国颁布延期付款令；3.买方所在国家或地区发生战争、内战、叛乱、革命或暴动，导致买方无法履行合同；4.导致买方无法履行合同、经保险人认定属于政治风险的其他事件。
信用证支付方式下包括以下情形：1.开证行所在国家或地区颁布法律、法令、命令、条例或采取行政措施，禁止或限制开证行以信用证载明的货币或其他可自由兑换的货币向被保险人支付信用证款项；2.开证行所在国家或地区，或信用证付款须经过的第三国颁布延期付款令；3.开证行所在国家或地区发生战争、内战、叛乱、革命或暴动，导致开证行不能履行信用证项下的付款义务；4.导致开证行无法履行信用证项下付款义务的、经保险人认定属于政治风险的其他事件。
第三章 除外责任第三条 除非本保单另有规定，保险人对下列损失不承担赔偿责任：（一）汇率变更引起的损失。
（二）被保险人或其代理人违约、欺诈以及其他违法行为所引起的损失，或被保险人的代理人破产引起的损失。
（三） 被保险人知道或应当知道本条款第二条项下约定的风险已经发生，或者由于买方根本违反销售合同或预期违反销售合同，被保险人仍继续向买方出口所遭受的损失。
（四）非信用证支付方式下发生的下列损失：1.通常可以由其他保险承保的损失；2.买方的代理人破产、违约、欺诈或其他违反法律的行为引起的损失；3.银行擅自放单、货运代理人或承运人擅自放货引起的损失；4.被保险人向其关联公司出口，由于商业风险引起的损失；5.由于被保险人或买方未能及时获得各种所需许可证、批准书或授权，致使销售合同无法履行或延期履行引起的损失。
（五）信用证支付方式下发生的下列损失：1.因单证不符或单单不符，开证行拒绝承兑或拒绝付款所造成的损失；2.信用证项下的单据在递送或电讯传递过程中迟延或遗失或残缺不全或误邮而引起的损失；3.虚假或无效的信用证造成的损失。
（六）本保单保险责任以外的其他损失。
第四章 责任限额第四条 责任限额包括最高赔偿限额和信用限额。
（一）最高赔偿限额是指在本保单年度有效期内，保险人对被保险人按本保单规定申报的出口可能承担赔偿责任的累计最高赔偿额。
该最高赔偿限额在《保险单明细表》中列明。
（二）信用限额是由保险人批复的，保险人对被保险人向特定买方出口或在特定开证行开立的信用证项下的出口可能承担赔偿责任的最高限额，具体赔偿额按本保单约定的赔偿比例计算。
1.被保险人应就本保单约定保险范围内的出口涉及的每一买方或每一开证行向保险人书面申请信用限额。
2.批复的信用限额对其生效日后的出口有效。
该限额在本保单有效期内除特别注明外均可循环使用。
保险人有权根据被保险人限额的实际使用情况调整限额。
对于被保险人超出《保险单明细表》列明的“限额闲置期”仍未申报出运的，保险人有权撤销相应限额。
3.新的信用限额生效后，被保险人针对同一买方或开证行的原信用限额自动失效。
该失效的信用限额内的保险责任余额自动归于新批复的信用限额内。
4.自被保险人针对任一买方或开证行提交《可能损失通知书》之日起，保险人对该买方或该开证行批复的信用限额自动被撤销；当风险发生重大变化时，保险人有权调整或撤销信用限额，并以书面形式通知被保险人。
5.信用限额的调整或撤销适用于调整日或撤销日之后的出口，不影响此前保险人已承担的保险责任。
6.对于任一买方或开证行，如果被保险人未在出运前获得信用限额或信用限额已失效或被撤销，保险人对相应出口不承担赔偿责任。
第五章 申 报第五条 被保险人应按照《保险单明细表》列明的申报方法，以保险人规定的格式申报约定保险范围内的全部出口。
第六条 保险人对被保险人未申报或误申报的出口有权拒绝承担赔偿责任。
对于未在规定的时间内申报的出口，被保险人有义务及时补报。
对于在补报前已经发生的损失或者可能引起损失的事件已经发生的，保险人对该补报部分不承担赔偿责任。
如果被保险人有故意不报或漏报行为，对本保单项下被保险人所有出口发生的损失，保险人有权拒绝承担赔偿责任，并不退还已收保险费。
第六章 保险费第七条 保险人按《保险单明细表》约定的方式计算并收取保险费。
被保险人未在规定期限内足额交纳保险费，保险人对被保险人申报的相关出口有权拒绝承担赔偿责任。
被保险人拖欠保险费超过规定期限60天的，保险人有权解除本保单，并应书面通知被保险人，本保单自该通知到达被保险人之日起解除。
本保单项下被保险人交纳的所有保险费不予退还。
该解除不影响解除日前保险人按照本保单规定应承担的保险责任。
第八条 当风险发生重大变化时，保险人可修改保险费率，并书面通知被保险人。
修改后的费率自修改通知列明的生效日起生效。
第七章 索 赔第九条 被保险人应在知道或应当知道本保单条款第二条项下拖欠风险发生之日起30天内，或其他风险发生之日起10个工作日内，向保险人提交《可能损失通知书》。
被保险人提交《可能损失通知书》是索赔的前提条件。
被保险人未能在本保单规定期限内提交《可能损失通知书》，保险人有权降低赔偿比例。
如果被保险人在规定期限后六个月内仍未提交《可能损失通知书》，保险人有权拒绝承担赔偿责任。
第十条 被保险人提交《可能损失通知书》后又收回货款的，应在收到货款后十个工作日内书面通知保险人。
第十一条 被保险人在索赔时，应在提交《可能损失通知书》后四个月内向保险人提交《索赔申请书》，以及《索赔单证明细表》列明的相关文件和单证。
超过上述期限，保险人有权降低赔偿比例或拒绝受理索赔申请，但事先经保险人书面同意的除外。
被保险人提交的索赔单证不全而又未能按保险人要求提交补充文件的，保险人有权拒绝受理索赔申请。
第十二条 保险人在受理被保险人的索赔申请后，应在四个月内核实损失原因，并将核赔结果书面通知被保险人，但本保单另有规定除外。
在符合最高赔偿限额约定的前提下，保险人对保险责任范围内的损失，按照核定损失金额与信用限额从低原则确定赔付基数。
该赔付基数在任何情况下不得超过出口货物的申报发票金额。
赔付金额为赔付基数与本保单约定的赔偿比例的乘积。
第十三条 对有付款担保或贸易双方存在纠纷的情况，保险人定损核赔的原则是：（一）对有付款担保的销售合同，除非保险人书面认可，在担保人按担保协议付款以前，或被保险人对担保人申请仲裁或在担保人所在国家（地区）提起诉讼，在获得已生效的仲裁裁决或法院判决并申请执行之前，保险人不予定损核赔；（二）因贸易双方存在纠纷而引起买方拒付货款或拒绝接受货物，除非保险人书面认可，被保险人应先进行仲裁或在买方所在国家（地区）提起诉讼，在获得已生效的仲裁裁决或法院判决并申请执行之前，保险人不予定损核赔；（三）上述发生的诉讼费、仲裁费和律师费由被保险人先行支付，在被保险人胜诉且损失属本保单项下责任时，该费用由保险人与被保险人按权益比例分摊，否则，由被保险人自行承担。
第十四条 保险人定损核赔时，应扣除下列款项:（一）买方已支付、已抵销，及被保险人未经保险人书面同意擅自降价、放弃债权的部分或接受买方反索赔的款项；（二）被保险人已通过其他途径收回的相关款项，包括但不限于转卖货物或变卖抵押物所得的款项及担保人支付的款项； （三）被保险人已从开证行或买方获得的其他款项或权益； （四）被保险人根据销售合同应向买方收取的利息、罚息和违约金等；（五）其他不合理的款项或费用。
第十五条 在发生保险责任范围内的风险时，如涉及货物处理，在被保险人处理完货物前，保险人原则上不予定损核赔。
被保险人处理货物的方案事先须经保险人书面同意，否则保险人有权拒绝承担赔偿责任。
第八章 追 偿第十六条 被保险人提交《可能损失通知书》后，应委托保险人进行追偿或按照保险人的指示自行追偿，否则保险人有权降低赔偿比例或拒绝承担赔偿责任。
第十七条 在被保险人委托保险人追偿的情况下，如查明被保险人所受损失属于赔偿责任，保险人与被保险人按照各自权益比例分摊追偿费用；如查明被保险人的损失不属于保险人的赔偿责任，追偿费用由被保险人承担。
第十八条 在保险人赔付后，被保险人应将赔偿所涉及的销售合同、信用证项下的权益转让给保险人，同时，被保险人仍有义务协助保险人向买方或开证行追偿。
追回欠款后，保险人按照本保单项下各自的权益比例与被保险人分摊追偿费用和分配追回款。
被保险人及其代理人从买方或开证行追回或收到的任何款项，在与保险人分配之前，视为代保险人保管。
被保险人应在收到上述款项后十个工作日内将保险人应得部分退还保险人。
第十九条 保单约定的风险发生后，无论被保险人与买方是否有特别约定，除非保险人书面同意，买方对被保险人的任何付款均被视为按时间顺序偿还保险项下被保险人对该买方的应收账款。
第二十条 赔付后出现下列情况时，被保险人应在收到保险人退款要求后十个工作日内退还保险人已支付的赔款及相关利息：（一）保险人发现被保险人与买方存在付款担保或贸易纠纷，或被保险人未遵守最大诚信原则；（二）被保险人擅自接受退货、同意折扣、擅自放弃债权或与买方或开证行私自达成和解协议；（三）因被保险人原因导致保险人不能全部或部分行使代位追偿权；（四）保险人查明致损原因不属于本保单保险责任范围。
第九章 被保险人义务第二十一条 未经保险人书面同意，被保险人不得就本保单项下的约定保险范围内的出口向其他机构投保信用保险。
第二十二条 被保险人应将可能影响保险人风险预测、费率厘定、限额审批和理赔追偿的信息真实、全面、准确、及时地书面告知保险人。