Explanation of the basic insurance clause of property insurance, the clause of the property insuranc

It depends on how the specific contract of the insurance you do is stipulated.

According to the needs of institutional reform, the Chinese People's Insurance Company has been divided into several professional insurance companies, such as China Insurance Property Insurance Co., Ltd., China Insurance Life Insurance Co., Ltd., China Pacific Insurance Company, etc. Therefore, in the property insurance contract relationship, the only person who has the right to carry out various insurance business as an insurer is China Insurance Property Insurance Co., Ltd. and its branches throughout the country. No other entity or individual has the right to carry out property insurance business in any way, unless there is special approval from the relevant competent authorities of the state.

According to the provisions of the Insurance Law, the policyholder may be an enterprise legal person, a public institution, a social organization, a partnership organization, a rural contractor, a private owner and an individual citizen.

The property insurance contract is a contract of promise.

The PRC property insurance contract does not require the insured party to pay the insurance premium as a condition for the formation of the contract, and the contract will come into effect as long as the parties reach an agreement on the main terms of the contract. The policyholder shall pay the insurance premium in a timely manner as agreed by both parties. The insurer shall be responsible for the subject matter of the insurance contract after the contract has come into effect, including the period before the policyholder pays the premium.

Property insurance contracts are conditional contracts.

After the property insurance contract comes into effect, the insurer is liable for compensation only in the event of a natural disaster or accident that results in damage to the property. In other words, the property insurance company is compensated for the occurrence of future accidents, and the accidents that occur must be within the scope of accidents agreed in the property insurance contract, and must cause damage to the insured property, otherwise, the insurer will not be liable. The insurer's liability to pay the insurance money shall be limited to the insured amount and the insurance liability limit agreed in the insurance contract, and the insurer shall not be liable to pay the insurance money for losses incurred by the insured in excess of the insured amount or insurance liability limit.

According to the second paragraph of Article 39 of the Insurance Law, the insured amount shall not exceed the insured value, and if the insured value is exceeded, the excess part shall be invalid.

Property insurance contracts are contracts that require a high degree of integrity.

The so-called good faith means that both parties should abide by the principle of good faith. The particularity of property insurance contracts requires both parties to strictly abide by the principle of good faith and resolutely oppose the act of defrauding insurance money. When applying for insurance compensation, the policyholder must truthfully explain the occurrence of the insured accident and the scope of property damage.

After the occurrence of an insured event, the policyholder shall immediately notify the insurer so that the insurer can understand the situation as soon as possible, intervene in the handling of the insured accident, and determine the reasonable scope of compensation and the final amount of compensation.

Legal analysis: The principles that need to be followed when making insurance claims are: 1. The principle of abiding by contracts and keeping promises.

Insurance is a kind of contractual act, so both parties need to have the spirit of the contract, be able to abide by the contract, and execute according to the contract. 2. The principle of seeking truth from facts. 3. The principle of initiative, rapidity, accuracy and reasonableness.

4. The principle of proximate cause.

Legal basis: Article 23 of the Insurance Law of the People's Republic of China After receiving the request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall make an assessment in a timely manner; If the situation is complicated, the approval shall be made within 30 days, unless otherwise agreed upon by the Heling Cover. The insurer shall notify the insured or beneficiary of the verification results; For those who are liable for insurance, the obligation to compensate or pay insurance money shall be fulfilled within 10 days after reaching an agreement with the insured or beneficiary to compensate or pay insurance money.

If the insurance contract stipulates the time limit for compensation or payment of insurance money, the insurer shall perform the obligation of compensation or payment of insurance money in accordance with the agreement.

If the insurer fails to perform the obligations provided for in the preceding paragraph in a timely manner, it shall compensate the insured or the beneficiary for the losses suffered thereby, in addition to paying the insurance money.

No unit or individual may illegally interfere with the insurer's performance of the obligation to compensate or pay insurance money, nor may it restrict the right of the insured or beneficiary to obtain the insurance money.

Summary. Hello, happy to answer your questions. Interpretation of Insurance Terms: The special clause of the car insurance does not include the deductible After the occurrence of the insured accident, the insurance shall be responsible for the compensation of the deductible calculated according to the deductible calculated according to the corresponding insurance type, which shall be borne by the insured.

Hello, happy to answer your questions. Interpretation of insurance clauses: The special clause of the car insurance does not calculate the deductible after the occurrence of the insured accident, according to the deductible calculated according to the deductible stipulated in the corresponding type of insurance, the deductible that should be borne by the insurance shall be borne by the insurance.

During the period of delay in answering the special loss insurance of the engine, the insured motor vehicle insured with this additional insurance is directly damaged by the engine due to the following reasons in the process of using the side, and the insurance is responsible for compensation. However, if the owner of the car is forced to start the engine after being flooded, then the insurance company will not compensate.

The insured motor vehicle is involved in driving on a road; ( Caution in the insured motor vehicle in the start of the lead line; (3) Reasonable expenses incurred by the insured or its excess-allowed driver at the time of the occurrence of the above-mentioned insured accident and the rescue and protection measures taken by the insured motor vehicle.

Car Scratch Loss Insurance Obvious collision marks of the car Scratch loss, insurance potato code is responsible for compensation. The glass single Nianfan single shattering insurance is the single breakage of the windshield or window glass of the insured motor vehicle, which is responsible for the compensation if the insurance number is high.

During the insurance period of fuel loss insurance, the loss of the insured vehicle caused by the combustion of the insured motor vehicle's electrical appliances, circuits, fuel supply systems, and power supply systems due to the failure of the accident or the goods contained therein, as well as the necessary and reasonable rescue expenses incurred by the insured in order to reduce the loss of the vehicle at the time of the insured accident, the insurance shall compensate according to the actual loss of the insured vehicle within the insurance amount specified in the insurance policy; If the total loss is issued, the actual value of the vehicle at the time of the accident shall be compensated within the insurance amount specified in the insurance policy.

The insurance clause is the agreement between the insurance company and the policyholder on the rights and obligations of the insurance, and is the core content of the insurance contract. Since the insurance contract is a fixed contract, generally speaking, the terms and conditions are unilaterally formulated by the insurance company, and the content is complex and highly professional. The insurance clause is the clause on the rights and obligations of both parties to the insurance contract determined by consensus, and the basis for the insurer to perform the insurance liability for the insurance subject matter it underwrites.

Generally, it consists of the following three parts: the basic clause rebate payment, the additional clause and the guarantee clause leakage (also known as the special clause).

1. Basic terms: the basic matters prepared by the insurer in advance and concluded on the insurance policy, including statutory clauses and optional clauses. Statutory clauses are those that are required by law, while optional clauses are clauses that are prescribed by the insurer itself according to the needs of its business.

2. Additional clauses: In order to meet the special needs of various types of policyholders, the insurer adds some additional clauses on the basis of the existing basic clauses on the insurance policy, so as to expand the scope of liability of the original insurance policy, or change the content of the original insurance policy, or change the matters specified in the original insurance policy.

3. Guarantee clause (also known as special clause): a clause in which the insurer requires the insured to guarantee to do or not to do something, or to guarantee the existence or non-existence of a certain state of affairs.

This insurance provides you with death benefit. Within the scope and time specified by the company, you can choose the basic insurance amount independently, and you can also apply for a change of the basic insurance amount after applying for insurance, so as to meet your different needs for insurance protection at different stages of rental. Determination of the basic sum insured.

The determination of the sum insured of universal insurance is different from that of traditional insurance, when applying for universal insurance, a basic sum insured amount is first selected, and the basic sum insured amount is selected within a sum insured area. That is, the maximum limit and the minimum limit. There are two differences between traditional insurance:

The first is the impact of the paid insurance premium on the determination of the basic sum insured, that is, the premium determines the basic sum insured; Second, there is an upper and lower limit on the basic sum insured at the time of application; Paragraph A: Minimum Limit - Annual Paid Insurance Premiums 5 Times Paragraph A: Maximum Limit - See Standard Maximum Limit Table (Check Table) Ping An Zhifu Life Whole Life Insurance (Universal, A) Article 5 The Insured Amount and Basic Insurance Amount The insured amount of this contract is 105% of the policy value and the greater of the basic insured amount.

The basic sum insured shall be agreed between the policyholder and the Company and shall be stated on the insurance policy. (1) If the policyholder pays the additional insurance premium, the basic insurance amount will be increased by the same amount as the additional insurance premium after the company receives the additional insurance premium. (2) If the insured partially receives the cash value of the basic insurance amount after partial collection, the basic insurance amount shall be reduced by the same amount as the cash value after the company receives the application for partial collection.

If the reduced basic insurance amount is lower than the minimum amount specified by the Company, the Company reserves the right to adjust it to the minimum amount. (3) Change of the basic insurance amountDuring the validity period of this contract, the policyholder may change the basic insurance amount with the consent of the company. 1.

Increase in the Basic Sum Insured One year after the effective date of this contract, the policyholder may apply to the Company for an increase in the basic sum insured at any time, but at most once per policy year. When applying for an increase in the basic insurance amount, the policyholder must meet the following conditions at the same time: (1) the policyholder has paid the insurance premium due for the current period in accordance with the provisions of this contract; (2) Before the policy anniversary of the insured's 65th birthday.

When applying for an increase in the basic sum insured, the insured must provide the insured's health declaration or medical examination report issued by a medical institution recognized by the company and other relevant supporting documents in accordance with the company's regulations. After the company's review and approval, the insurance liability corresponding to the increased basic insurance amount will take effect from 0:00 on the next settlement date. 2.

Reduction of the Basic Sum Insured One year after the effective date of this contract, the policyholder may apply to the Company for a reduction in the basic sum insured at any time, but at most once per policy year. After the Company's approval, the insurance liability corresponding to the reduced basic sum insured shall cease from 0:00 on the next settlement day.

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