Motor vehicle driver accident insurance clause: the benefici
Designation and Change of Beneficiary Article 16 When entering into this insurance contract, the insured or the insured may designate one or more persons as beneficiaries of the death benefit. When the number of beneficiaries of the death benefit is several, the order of benefit and the share of benefits shall be determined; if the order of benefit and the share of benefits are not determined, the beneficiaries of the death benefit shall enjoy the beneficial rights according to the equal share. The insured or the insured may change the beneficiary of the death benefit, but the insurer must be notified in writing and the insurer will endorse the insurance contract. If the beneficiary of the death benefit is changed, the insurer will not be responsible for any legal disputes. If the insured specifies or changes the beneficiary, the insured shall agree in writing. The beneficiary of this insurance contract disability, burn and medical insurance is the insured person, and the insurer does not accept other designations or changes. Dispute Resolution Article 17 The dispute arising from the performance of this insurance contract shall be settled by the parties through negotiation. If the negotiation fails, the arbitration institution shall submit the arbitration as stated in this insurance contract. If the insurance contract does not specify that the arbitration institution or the arbitration agreement has not been reached after the dispute has occurred, it may bring a suit before the court. Article 18 The disputes in this insurance contract shall be governed by the laws of the Republic of China. Other matters Article 19 After the insurance contract is established, the insured may, in writing, request to terminate the insurance contract. (1) When the insured requires the termination of this insurance contract, the following certificates and materials shall be provided: Insurance policy; 2. Insurance premium delivery certificate; 3. Dismissal of the contract notice; 4. Proof of identity of the insured. (2) If the insured requires the termination of this insurance contract, the insurance liability shall terminate from the time when the insurer receives the notice of termination of the contract, and the insurer shall refund the net premium of the unexpired period within 30 days from the date of receipt of the above-mentioned certificate and information. . (3) According to this insurance contract, if the claimant has received any insurance premium, the applicant shall not request the termination of this insurance contract. Article 20 During the insurance period, the insured and the insurer may agree to change the relevant contents of this insurance contract by means of additional terms or approvals. Additional terms or approvals are an integral part of this insurance contract. In the event of any inconsistency between the terms of this insurance contract and the additional terms or approvals, the additional terms or approvals shall prevail; where the additional terms or approvals are not fulfilled, the terms of this insurance contract shall prevail. Article 21 Interpretation This insurance contract has a specific meaning of nouns, which are defined as follows: Insurer: refers to the branches of the insurance company that have signed this insurance contract with the insured. Claimant Applicant: Refers to the death benefit of the insurance contract, which refers to the beneficiary or the heir of the insured or other natural persons who have the right to claim insurance benefits according to law. In the case of this insurance contract disability, burn insurance or medical insurance, it refers to the insured. Force majeure: An objective situation that cannot be foreseen, cannot be avoided, and cannot be overcome. Accidental injury: refers to an external, sudden, unintentional, non-disease objective event that causes direct and separate causes of physical harm. Burns: refers to the burns of the soft tissues of the insured during the insurance period due to accidents. The burns are used to the full extent of the skin (epidermal, subcutaneous tissue), involving muscles, bones, and soft tissues. Necrosis, scarring, and finally shedding. The degree of burn and the calculation of burn area are based on the appraisal results of the appraisal institutions agreed by both the insurer and the insured. Limb: refers to the limbs of the human body, namely the left upper limb, the right upper limb, the left lower limb and the lower right limb. Location: Refers to the human body part stipulated in the "Insurance Accident Burn Burning Benefits Proportion Scale" attached to this insurance contract, that is, the human body is divided into two parts: the head, the trunk and the limbs. AIDS or HIV: As defined by the World Health Organization. If the antibody of the above virus is found in the blood sample of the insured, it is determined that the insured has been infected with HIV. Medical malpractice: refers to an accident in which a medical institution and its medical personnel violate the medical and health management laws, administrative regulations, departmental regulations, medical and nursing care norms, routines, and negligence in the medical activities. Diving: refers to underwater activities carried out in the waters of rivers, rivers, lakes, seas, reservoirs, canals, etc. with auxiliary breathing equipment. Rock climbing: refers to climbing cliffs, building facades, man-made cliffs, ice cliffs, icebergs and other sports. Martial arts competition: refers to two or more confrontational judo, karate, taekwondo, Sanda, boxing and other boxing techniques and various confrontational competitions. Expedition: It is an act of knowing that you are in danger of losing or injuring your body under certain natural conditions, and deliberately placing yourself in it. Such as river rafting, hiking through the desert or rare virgin forests. Stunt: refers to special skills such as equestrian, acrobatics, and animal training. No valid driving license: According to the "Administrative Measures for Motor Vehicle Driving Licenses of the Republic of China", the following three situations are all without a valid driving license: the insured's driving license has passed the validity period, and the insured holds undocumented verification. A qualified driver's license, or a vehicle driven by the insured, does not belong to the driver's license and the driver's license. Unexpired premiums: Unexpired premiums = insurance premiums & times; [1- (insurance has passed days / days of insurance)]. After one day, the number of days is less than one day. Expired net insurance premium: Expired net insurance premium = insurance premium & times; (1 - insurance has passed days / days of insurance period) & times; (1-20%). After one day, the number of days is less than one day.