Insurance Contracts For Housing Buyers Now

　　一、保險財產

A house purchased by a bank mortgage.

　　二、責任范圍

The insurance company is responsible for compensation for the loss and cost of housing caused by the following reasons:

1. fires; 2. explosions; 3. thunderstorms; 4. hurricanes, typhoons, tornadoes; 5. storms, rainstorms and floods; but excluding normal water level changes, seawater intrusion and drainage, seepage and leakage of reservoirs, canals and dams below normal water level; 6. hail; 7. collapses and landslides; 8. volcanic explosions; 9. ground subsidence, but excluding ground subsidence and subsidence caused by piling, underground operations and excavation operations; 10. aerial running objects falling, and external buildings and other fixed objects collapsing; 11. water tanks and water pipes burst, but excluding water tanks and water pipes burst due to corrosion.

Three. Exclusions

　　本公司對下列名項不負責賠償：

Losses and expenses caused by acts of war, hostilities, armed activities, rebellions, coups, strikes, riots and civil disturbances; 5. government orders or the confiscation, expropriation, destruction and destruction of any public authority; 6. losses and costs caused by nuclear fission, nuclear weapons, nuclear materials, nuclear radiation and radioactive pollution; 7. any loss and cost caused by air, land, water pollution and other kinds of pollution, but not including the risks specified in the second areas of the insurance policy; 8. the deductible stipulated in the relevant clauses of the detailed table of insurance policies; 9. others are not attributable to risks arising from the scope of liability of this policy. 1. the intentional act or gross negligence of the insured, the insured and its representatives caused any loss and cost of the house; 2. the losses and expenses caused by the earthquake and tsunami; 3., other consequences such as depreciation, loss of market or use value; 4. war,

　　四、保險期限

The duration of the loan is the same as that of the purchase.

　　五、保險金額

All the actual value of the purchased house.

　　六、賠償處理

1. if there is any loss within the scope of this insurance liability, the company may choose the following ways of compensation: (1) compensation according to the value of the damaged property; (2) compensation for the repair and repair of the damaged property, which is basically restored to the original state; (3) repair and restore the damaged property so as to achieve the same condition as the property of the same kind.

2. the compensation for damaged property is calculated at the prevailing market price.

When the market price is lower than the insured amount, the compensation shall be calculated at the market price; when the market price is higher than the insured amount, the compensation shall be calculated according to the ratio of the insurance amount to the market value.

If there are more than one item in this insurance, the indemnity shall be calculated one by one according to the provisions.

3. after the loss of the insurance item, if the company pays the total loss, its salvage value should be deducted from the indemnity. The company has the right not to accept the insured's abandonment of the damaged property.

4. if any item is a pair or a complete set, if the loss occurs, the liability of the company shall not exceed the proportion of the insured amount on the whole or the whole set of the insured item.

5. after the loss occurs, the reasonable expenses incurred by the insured to reduce the losses and take necessary measures shall be compensated by the company, but the cost shall be limited to the insured amount of the insured property.

6. after the company has made compensation for the loss, the insurance company will issue a written order to reduce the amount of insurance from the date of the loss and not refund the premium of the insurance amount.

If the insured asks for a return to the original insurance amount, the premium shall be paid at the agreed premium rate from the date of the loss until the date of the expiration of the insurance period.

7. the time limit for claiming the insured shall not exceed 2 years from the date of the loss.

Seven. The obligation of the insured

　　被保險人及其代表應嚴格履行下列義務：

　　1.在投保時，被保險人及其代表應對投保申請書中列明的事項以及本公司提出的其他事項作出真實、詳盡的說明或描述；2.被保險人投保時一次交清保險費；3.保險期限內，被保險人應采取一切合理的預防措施，包括認真考慮并付諸實施本公司代表提出的合理的防損建議，由此產生的一切費用，均由被保險人承擔；4.在發生引起或可能引起本保險單項下索賠的損失時，被保險人及其代表應：（1）立即通知本公司，并在7天或經本公司書面同意延長的期限內以書面報告提供事故發生的經過、原因和損失程度；（2）采取一切必要措施防止損失的進一步擴大并將損失減少到最低程度；（3）在本公司的代表或檢驗師進行勘查之前，保留事故現場及有關實物證據；（4）根據本公司的要求提供作為索賠依據的所有證明文件、資料和單據。

Eight. It is specially stipulated that during the period of insurance, the buyers will repay the loan and prove by the lender, the insurance interests of the lender shall be lost, the insurer will issue the approval list, and the insurer shall continue to be responsible for the insurance liability under this policy.

　　九、爭議處理

All disputes relating to this insurance between the insured and the company shall be settled through friendly negotiation.

If the consultation fails, it shall be solved by () method: (1) apply for arbitration to the arbitration organ; (2) bring a lawsuit to the court.

China Pacific Insurance Company Ltd housing loan borrower life insurance clause

　　第一條 合同構成

This insurance contract (hereinafter referred to as "this contract") is composed of insurance policies or other insurance documents and the attached articles, insurance documents, insurance documents related to this contract, valid and valid declarations, endorsements, attached lists and other written agreements.

Second insurance coverage 1. Policyholder: anyone who has a full capacity for civil conduct at the age of 18 can be covered by the insurance policy to the China Pacific Insurance Company Ltd (hereinafter referred to as the insurer) in accordance with the terms and conditions of the insurance. The financial institution that runs the home loan business can also act as the policyholder to insure this insurance for its buyers.

The insured must agree to the written consent of the insured.

Two, the insured: any person who is in good health and able to work and work normally during the age of 18 to 55 years old, who has the conditions to purchase the loan and applies to the financial institution and obtains the purchase loan, can be the insured of this insurance.

Third insurance liability

During the period of insurance validity, the insured can not continue to pay the purchase loan due to illness or accident or injury. The insurer will pay the insured's loan balance (including principal and interest) at the time of the first loan return after the accident. If the actual amount insured is less than the loan amount, the insurance liability will be terminated according to the actual insurance amount and the percentage of the loan amount to repay the principal and interest of the loan balance.

As for the part of the loan that the insured should pay before the accident, no matter what causes the late or unpaid part of the loan, the insurer will not be liable for the loan.

Fourth exemption from liability

The insurer is not liable for the insurance payment, and at the same time terminating the insurance contract, because of the following circumstances, which lead to the death or death of the insured person so that he can not continue to repay the purchase loan.

I. The insured and the beneficiary intentionally kill or injure the insured;

Two, the insured intentionally committed a crime or refused to arrest, deliberately hurt himself;

Three, the insured takes, sucks or injections of drugs;

Four, the insured shall commit suicide within 2 years from the date of the establishment or reactivation of the contract; five, the insured person shall drive a motor vehicle without or without law, and a motor vehicle without valid driving license or drunk driving.

Six, AIDS or HIV infection during the disease;

Seven, war, military operations, riots or other armed insurgency;

Eight, nuclear explosions, nuclear radiation or nuclear pollution and the resulting diseases.

In the case of the fourth mentioned above, the insurer's cash value of the insurance policy is returned to the insured.

In case of any other circumstances, the contract shall be terminated.

If the insured has paid more than 2 years' premium, the insurer will refund the cash value of the insurance policy.

The fifth insurance liability begins.

The insurer's insurance liability shall begin at the beginning of the next day after the insurer agrees to underwrite and charge the premiums, and the insurer shall issue an insurance policy as an insurance certificate until the expiration of the term of the loan or the termination of the insurance liability stipulated in this contract.

Sixth insurance sum and insurance premium

1. The maximum insurance amount of the insurance is limited to the balance of the purchase loan when the contract is established. The actual initial insurance amount is determined by the insurer's underwriting results, and the insurance amount decreases year by year according to the loan situation.

Two. The insurance premium of this insurance varies according to the age and duration of the insurance. The payment method is paid separately. The rates are detailed in the attached schedule.

　　第七條 如實告知

When the contract is concluded, the insurer may make written inquiries about the relevant circumstances of the insured and the insured, and the insured and the insured shall truthfully inform them.

If the insured or the insured fails to perform the duty of truthfully informing, the insurer has the right to terminate this contract and shall not be obliged to pay the insurance premium for the insurance accident before the rescission of the contract. If the insurer decides whether to agree to underwrite or raise the premium rate, the insurer has the right to terminate this contract and has a serious impact on the occurrence of the insurance accident. The insurer is not liable for paying the insurance premium before the insurance accident before the rescission of the contract, but the insurance premium will be refunded after deducting the commission fee.

The cash value of the insurance policy is refunded for more than two years from the date of the establishment of the contract.

　　第八條 受益人

The beneficiary of this insurance is the financial institution or the guarantor of the purchase loan.

　　第九條 保險事故的通知

　　投保人、被保險人或受益人應于知道或應當知道保險事故發生之日起5日內通知保險人，且及時提供有關材料，并于被保險人發生保險事故后30日內，憑所需文件資料，向保險人申請保險金。由于延誤時間，導致必要證據喪失或事故性質、原因無法認定的，應由受益人承擔相應責任。同時，應從所給付的保險金中扣除因此而增加的額外費用（但因不可抗力導致的延誤除外）。本合同受益人的保險金的請求權，自其知道保險事故發生之日起2年內不行使而消滅，保險人不再負保險金給付責任。