American International Assurance (AIA,AIG) Beijing branch. www.aia.com.cn
	Address	The Exchange Beijing, No.118 Jian Guo Lu Yi, Chaoyang District, Beijing. 100022
	Agent	Xu Feng (Ricky)	Agent code: 110043766
	Tel	86-13911460247	Apply Now!

The translation of this contract into English is for your information only. The official and binding contract is the Chinese version.

GENERAL PROVISIONS

1. THE CONTRACT

This Policy, application attached, endorsements and other agreements constitute the entire contract.

The name of this Policy is known as Individual Personal Accident(Base Policy), or abbreviated as IPA.

2. AGE'S CONFIRMATION AND TREATMENT OF MISSTATED AGE

Age limit of this Policy is from 60 days to 60 years old. The Policyowner must disclose the true age of the Insured upon application. In the event the Policyowner misstates the Insured's age, the Company will adjust the Policy according to the following guidelines:

(1) If the Insured's true age is older than the printed age, the Company will be liable to such portion of the benefit provided in this Policy as the premium paid would have purchased at the rates and within the limits fixed by the Company for such age.

(2) If the Insured's true age is younger than the stated age, the Company will return promptly the pro rata unearned premium balance and make no change to the benefit.

(3) If the Insured's true age is classified by the Company as unacceptable, the Company shall not be liable for the insurance indemnities and will refund the paid premium.

3. CHANGE OF OCCUPATION

Written notice of change in occupation of the Insured must be given by the Policyowner or Insured to the Company immediately after such change has occurred.

If the Insured changes his occupation to an occupation classified by the Company as less hazardous, the Company will return promptly the pro rata unearned premium balance.

If the Insured changes his occupation to an occupation classified by the Company as more hazardous, the Company will collect promptly the pro rata unearned premium balance.

If the Insured changes his occupation to an occupation classified by the Company as an unacceptable risk, the Company will cancel this Policy and return the pro rata unearned premium.

In the event the Policyowner or Insured fails to notify the Company of a change in occupation of the insured, and the Insured is injured after having changed to an occupation classified by the Company as more hazardous, the Company will pay such portion of the benefit provided in this Policy as the premium paid would have purchased at the rates. If the Insured changes his occupation to one classified by the Company as an unacceptable risk, the Company shall not be liable for the insurance indemnities.

4. BENEFICIARY'S ASSIGNMENT & CHANGE OF OWNERSHIP AND BENEFICIARY

The Policyowner may transfer ownership of this Policy by submitting a written notice to the Company. No transfer of the ownership of this Policy shall bind the Company unless such transfer is with the consent of the Insured and formally endorsed hereon by the Company. The Company shall not be liable for any legal or other responsibility regarding such transfer.

The Policyowner may assign the Beneficiary with the consent of the Insured upon application. If more than one beneficiary shall be assigned, the policyowner should determine the order and the portion of benefits among the beneficiaries. Otherwise, the face amount of insurance shall be divided equally to each beneficiary.

The Policyowner may change the Beneficiary by submitting a written notice to the Company. No change of Beneficiary under this Policy shall bind the Company unless such change is with the consent of the Insured and formally endorsed hereon by the Company. The Company shall not be responsible for any legal problem regarding such change.

The death indemnity will be paid to the Beneficiary. If the beneficiaries die before the Insured, the indemnity payable under this Policy will come to the Insured's estate unless there is other special arrangement.

5. CHANGE OF ADDRESS

Written notice of change in address of the Policyowner must be given by the Policyowner to the Company immediately after such change has occurred.

If the Policyowner fails to notify the Company as such, any document sent to the last address of the Policyowner stated on this Policy will be treated as delivered.

6. CHANGE OF CONTRACT CONTENT

The Insured may apply for changing the contract content in accordance with the Company's regulations. The new contract shall become effective with the Company's consent and shall be recorded as an endorsement attached to the contract.

If the Insured shall sustain death, the Company will not accept the application for any change of contract (including the change of ownership and beneficiary of this contract).

INSURANCE TERM

7. EFFECTIVE DATE

No liability of the Company under this Policy should bind the Company unless the enrollment payment is paid and with the consent of the Company. The Company will issue the Policy contract as evidence.

The effective date will be the date on which the Policyowner signs on the application form and pays the enrollment payment. Policy anniversaries, due dates and expiry dates will be calculated from the effective date.

8. EFFECTIVE PERIOD OF INSURANCE

This is one-year policy, from 24:00 of the effective date to 24:00 of the expired date.

Before the 65th birthday of the Insured, only if the renewal premium is paid, the Policy keeps effective after confirmed by the Company.

SUM ASSURED

9. SUM ASSURED

The sum assured of this Policy is the benefit amount stated on the application form. If the benefit amount is changed by the Policy provision afterwards, the changed benefit amount will be the sum assured of this Policy.

BENEFIT RANGE

10. BENEFIT RANGE OF ACCIDENTAL EVENTS

The Company agrees to pay the sum assured or part of the sum assured subject to and in accordance with the provisions of this Policy if, while this Policy is in force, the Insured shall sustain death, dismemberment or bodily injury caused by an accident and independently of any other cause. The accident shall mean any external, sudden event other than sickness.

11. BENEFIT PROVISION

Accidental Death & Dismemberment Benefit, abbreviated as ADD.

The Company shall pay for one or more than one injury resulting from one accident according to the Indemnities' Schedule, but the total amount shall not be more than 100% of the sum assured of this Policy as stated in the application.

(1) Death Benefit:

The Company will pay the sum assured of this Policy as stated in the application to the Beneficiary if, while this Policy is in force, the Insured shall sustain death caused solely by an accident defined in article 10 and within 180 days from the date of such accident. But any indemnities already paid before under this Policy shall be deducted from the Death Benefit.

(2) Dismemberment Benefit:

The Company will pay a percentage of the sum assured subject to the Indemnities' Schedule to the Insured as stated in the application if, while this Policy is in force, the Insured shall sustain any injury included in the Indemnities' Schedule caused solely by an accident defined in article 10 and within 180 days from the date of such accident.

Should more than one injury resulting from one accident happen to one part of body, the Company will pay one of the Indemnities listed in the Indemnities' Schedule, whichever is the greatest.

Should more than one injury resulting from different accidents happen to one part of body, the Company will pay one of the indemnities listed in the Indemnities' Schedule, whichever is the greatest. But any indemnities already paid for this part of body before shall be deducted from the payment only when the later injury is more serious.

(3) Major Burn Benefit:

The Company will pay a percentage of the sum assured subject to the Major Burn's Schedule to the Insured as stated in the application, if, while this Policy is in force, the Insured shall sustain any major burn included in the Major Burn's Schedule caused solely by an accident defined in article 10.

Should more than one bum resulting from one accident happen to one part of body, the Company will pay one of the indemnities listed in the Major Bum's Schedule, whichever is the greatest.

Should more than one bum resulting from different accidents happen to one part of body, the Company will pay one of the indemnities listed in the Major Bum's Schedule, whichever is the greatest.

But any indemnities already paid for this burnt part before shall be deducted from the payment only when the later injury is more serious.

The Company shall pay for one or more than one bum resulting from different accidents according to the Major Burn's Schedule, but the total amount shall not be more than 100% of the sum assured of the Policy as stated in the application.

EXCLUSION PROVISION

12. EXCLUSIONS AND LIMITATIONS

The Policy shall not cover any injury or death or dismemberment caused by or during the period of any one of the following occurrences:

(1) self-inflicted injury or injury intentionally caused by the Policyowner or Beneficiary;

(2) assault or murder where there was a provocation on the part of the Insured;

(3) service in armed forces or making an arrest as an officer of the law;

(4) violation of the law or resistance to arrest, or imprisonment;

(5) accident occurring while the Insured is under the influence of alcohol or drug.

(6) the Insured drives after drinking, or without drive license, or drives mobile vehicles without effective license.

(7) accident occurring while the Insured is under the influence of mental/nerve disorders.

(8) sickness, pregnancy, miscarriage, childbirth, allergy to medicine, food poisoning, plastic surgery, or injury by medical reasons;

(9) took, or applied, or injected medicines without doctor's permission.

(10) bacterial infection (except infection which shall occur with and through an accidental cut or wound);

(11) war, declared or undeclared, riot, civil commotion or any warlike-armed operations;

(12) atomic or nuclear explosion, barns or radioactive emission;

(13) AIDS or infection by HIV. The definition of AIDS shall be used by the World Health Organization. Infection shall be deemed to have occurred if blood tests indicate either the presence of any HIV or antibodies to HIV;

(14) riding in or on, ascending or descending from or with any aircraft or aerial conveyance except

while the Insured is a passenger riding in or on, ascending or descending from or with an aircraft on a regular scheduled trip over its established route;

(15) diving, water skiing, skiing, skating, gliding, parachuting; cliff-climbing or exploration;

(16) wrestling, judo, karate, taekwondo, horse performance, boxing or stunt;

(17) racing on any wheels or horse.

PREMIUM

13. PREMIUM PAYMENT MODE

The premium under this Policy is calculated on annual basis.

The Policyowner may make annual payments or under other payment mode with the consent of the Company.

14. RENEWAL

This Policy may be renewed annually with the consent of the Company by payment of the premium in advance at the premium rate in force at the time of renewal on or before the expiry date subject to the grace period provision hereinafter.

15. GRACE PERIOD

Provided that the Company hasn't issued any non-renewal notice before the expiry date, a grace period of 60 days from the premium due date will be allowed for payment of each premium after the first. If a claim has occurred during the grace period, the Company reserves the right to deduct the outstanding annual premium from the amount of the claim payable.

CANCELLATION & TERMINATION

16. DUTY OF REPRESENTATION

The Policyowner or Insured must, as requested by the Company, disclose his / her risk when the Company decides whether or not to accept the application for insurance, or modify the rate of premium for it. If the Policyowner or Insured fails to disclose as the above mentioned, the Company shall rescind the Policy and not be liable for the insurance indemnities. In case the Policyowner or Insured fails by mistake, the premium may be refunded; In case the Policyowner or Insured fails by intention, the premium may not be refunded.

17. SURRENDER

In the event that the Policy is canceled by the Policyowner, the Company will return the corresponding portion of the full year premium paid according to the following table:

18. TERMINATION

This Policy shall automatically be terminated on the earliest of the following:

(1) 100% sum assured of the Policy as stated in the application is paid;

(2) the Policy expires and the Company refuses to renew it;

(3) the Policy is canceled by the Policyowner;

(4) any premium remains unpaid at the end of the Grace Period;

(5) the Policy is terminated due to other articles of this contract;

(6) on the 1st anniversary date of the Policy immediately following the 65th birthday of the Insured;

in case of (2) or (4), this Policy shall automatically be terminated on 24:00 of the expired date.

CLAIMS PROVISION

19. NOTICE OF ACCIDENT

Written notice of a claim must be submitted to the Company as quickly as possible after any insured loss, with affirmative proof of loss at the claimant's own expenses. In case of any delay on the part of the claimant which causes the failure in proving the insured loss, the Company shall not be liable for any indemnities.

20. CLAIM APPLICATION

1. If the Insured shall sustain death, the claimant should complete the claim application form and provide the following originals of proofs and information to the Company to apply for the Death Benefit:

(1) the Policy;

(2) the proof for the Insured's cancellation of permanent residence, and the Insured's Identification Card;

(3) the proof for the beneficiary's registered permanent residence, and the beneficiary's Identification Card;

(4) the death proof or autopsy proof approved by hospital, public security department or the Company;

(5) other, proof and information related with this claim requested by the Company.

2. If the Insured shall sustain dismemberment or major burn, the claimant should complete the claim application form and provide the following originals of proofs and' information to the Company to apply for the Dismemberment and Major Burn benefit:

(1) the Policy;

(2) the proof for the Insured's registered permanent residence, and the Insured's Identification Card;

(3) the proof for the Insured's dismemberment and injury degree issued by medical institution or judicial department and approved by the Company;

(4) other proof and information in related with this claim requested by the Company.

If the claimant is unable to provide the proofs above due to some special reasons, other related proofs and information approved by law should be provided to raise the claim application.

The right of benefit request of this policy will lose if it is over 2 years since the day of the accident.

21. DISAPPEARANCE

If, while this Policy is in force, the Insured shall encounter an accident defined in article 10 and disappear from the date of the accident, the Company will pay the death benefit upon the declaration of death by the court. Should the Insured be found alive afterwards, the payee of the death benefit shall give the payment back to the Company within one month.

22. MEDICAL EXAMINATION AND AUTOPSY

The Company reserves the rights to examine or cause medical examination of the Insured and to require a report there of whenever it deems necessary during the pendency of a claim. In case of death, the Company shall have the right to conduct an autopsy where it is not forbidden by law.

23. DISPOSAL OF DISPUTES

Should any disputes occur in the execution of this Policy and its Rider between the Insured and the Company, negotiation should first be executed. If negotiations fail to solve the dispute, litigation can be raised to the court of justice with jurisdiction.

24. DEFINITION

1. Major Burn: shall mean the accidents specified in article 10, which result in organism parenchyma burn and the burnt level is III. The standard of burnt level III is the injury of skin (including cuticle, hypodermis), involving the necrosis, scab, and finally defluvium of the muscle, bones and parenchyma. The calculation of burnt level and burnt area should be in accordance with the clinic assaying standard "New 9 points Method".

2. Hospital: shall mean an institution which meets all the following requirements:

(1) holds a license as a hospital;

(2) operates primarily for the reception, care and treatment of sick, ailing or injured persons as in-patients;

(3) provides 24-hour a day medical and nursing services by legally registered Physicians and nurses;

(4) is not primarily a hospital for rehabilitation, clinic, nursing, rest or convalescent home, a place for alcoholics or drug addicts or similar establishment.

3. Physician: shall mean a qualified practitioner of medicine in the hospital, and also means legally authorized and registered to render medical and surgical services, make diagnosis, and write prescriptions in the district of his or her practice.

4. Diving: shall mean underwater sports with auxiliary equipments in waters such as rivers, lakes, seas, reservoirs, and canals.

5. Cliff Climbing: shall mean climbing the cliff, outer walls of the building, man-made cliff, ice cliff and iceberg.

6. Exploration: shall mean the Insured intentionally places himself in some special natural environments that may result in danger of death or bodily injury while knowing this danger, e.g., river driftage, passing through the desert or primeval forest, and so on.

7. Stunt: shall mean special skills such as horsemanship, acrobats, animal taming, and so on.

8. Unearned premium: the premium times the remaining months of this Policy divided by 12. Less than 1 month is calculated as 1 month.

9. Force Majeure: shall mean the force beyond man power.

10. Claimant: shall mean the death benefit beneficiary of this Policy, or the Insured's legal heir, or legally regulated natural man who can apply for claim.

11. Recipient of Death Benefit: shall mean the beneficiary of this Policy or the Insured's legal heir.

Schedule of Indemnities

Notes:

1. Loss of sight of eye(s) shall include eyeball(s) loss or removal, Anopia, or only light sensation, or visual acuity after correction lower than 0.02, or visual field narrower than 5 degrees.

Medical evidence must be supplied by an opthalmologist appointed by the Company.

2. Loss of function of joint(s) shall mean permanent total stiffness or paralysis or moving of the joints.

3. Loss of function of mastication and swallow shall mean the organic or functional disturbance of the mastication and swallow which renders the insured incapable of eating solid diet. But exclude the dental causes.

4. Incapability to perform independently the daily activities and incapability to fit for any job or occupation shall mean complete and continuous inability of the Insured to perform daily life activities independently such as eating, releasing, dressing, walking, bathing, etc; and inability to perform or engage in any work, occupation or business.

5. Three great-joints ofupperlimb include shoulder joint, elbow joint and wrist joint; three great joints of lower limb include hip joint, knee joint, ankle joint.

6. Total loss of fingers shall mean complete severance through or above the proximal phalangeal joins (interphalangeal joints of thumb).

7. Total loss of function of joints of all fingers shall mean complete severance through the distal phalangeal joints, or stiffness of the proximal phalangeal joints on moving disturbance of the phalangeal joints.

8. Total loss of toes shall mean complete severance through or above the 'metatarsophalangeal joints.

9. Total loss of hearing shall mean permanent irrecoverable loss of hearing where

if a dB=Hearing loss at 500 Hertz

if b dB^Hearing loss at 1000 Hertz

if c dB=Hearing loss at 2000 Hertz

1/6 of (a+2b+2c) is above 90 dB .

10. Total loss of speech shall mean the loss of ability in articulating any three of the four sounds which contribute to the speech such as the labial sounds, the alveololabial sounds, the palatal sounds and the velar sounds or total loss of vocal cord or damage of speech center in brain resulting in aphasia, but all psychiatric related causes are excluded. Medical evidence must be supplied by an Ear, Nose and Throat specialist.

11. Obvious defect of two eyelids shall mean eyelids incapable of covering cornea completely when the insured closes his/her eyes.

12. Defect of nasal part and severe dysosmia shall mean the irrecoverable defect of total or one half nasal cartilages and nasal atresia, nasal dyspnea or anosmia of both sides.

Permanent total loss shall mean bodily injury lasting for at least 180 days from the date of injury and being beyond hope of improvement at the expiry of that period. But exclude the irrecoverable status such as removing the eyeball.

Major Burn's Schedule

SPECIAL PROVISIONS

DOUBLE INDEMNITY RIDER

ACCIDENTAL MEDICAL REIMBURSEMENT RIDER