Countdown To The 2019 C&D Xiamen Marathon

(January 6, 2019)

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Instructions On Life Insurance for Participants

I.Policy Period:

Marathon:January 6, 2019 (Sunday).


II.Coverage:

Accidental injury or acute disease occurring to the insuredin the course of competition during the policy period.


III.Insurance Liabilities:


Within the effective policy period hereof, the insurer shall assume its insurance liabilities accordingly upon the following terms for the accidental injury or acute disease occurring to the insured in the course of competition:


1) Insurance benefit for decease from accidental injury: in case the insured suffers from any accidental injury in the course of competition and deceases directly resulting from such accidental injury within 30 days from the date of occurrence of such accidental injury, the insurer shall pay the “insurance benefit for decease from accidental injury" in accordance with the amount insured for the insured’s decease from accidental injury as prescribed in the insurance contract, the insurer’s liabilities for the insured under this Contract shall terminate.


2) Insurance benefit for decease from acute disease: in case the insured suffers from any acute disease in the course of competition and deceases within 7 days from the date of invasion of such acute disease (including mors subita resulting from the disease, but excluding the mors subita from pre-existing illness), the insurer shall pay the “insurance benefit for decease from acute disease" in accordance with the amount insured for the insured’s decease from acute disease as prescribed in the insurance contract.


An acute disease refers to such disease as the insured has not been treated or diagnosed for prior to the effective date of the insurance contract, and the insured suffers from the disease suddenly in the course of competition and must be treated in a hospital immediately to preclude any damage to the health of the insured.


3) Insurance benefit for disability: In case the insured suffer from any injury , and get one of the disabilities listed in the ‘Disability Assessment Standards and Codes of Personal Insurance’ , which directly results from such injury, within 180 days from the date of occurrence of such injury, the insurer shall assess the disability according to the criteria as prescribed in the Standards, and pay the ‘insurance benefit for disability’ to the beneficiary through multiplying the corresponding payment proportion ,which is provided by the Standards according to the assessing results, by the basic amount insured for the insured’s disability as prescribed in the insurance contract. In case the medical treatment to the insured has not been completed within 180 days from the date of occurrence of such accidental injury, the disability appraisal shall be made to the insured on the basis of its health conditions on the 180th day from the date of occurrence, and the insurer shall pay the ‘insurance benefit for accidental disability’ thereby.


In case the insured sustain two or more disabilities resulting from one injury, the insurer shall assess the disabilities degree respectively; In case the disabilities are under different ratings, the final assessing conclusion shall be subject to the most serious disability; in case the disabilities are under the same rating, based on the original assessment, the final conclusion shall promote to the next level up to the first level. The promotion rules above don’t apply to the disabilities happened to the same part or having the same nature.


The payment proportions corresponding to the disability degree of personal insurance are divided into ten levels, The payment proportion corresponding to the first level is 100%, and which corresponds to the tenth level is 10% . The gap between per level is 10%.


In case, adding the previous disability (including the period before the commencement of insurance) to the disability resulting from such injury, the insured could claim the more serious disability benefit, the insurer shall pay the disability benefit according to the more serious disability. However, the paid disability insurance benefit(the paid disability insurance benefit is the benefit for the disability happened before the commencement of insurance or not be paid as a result of the liability exemption)shall be deducted.


For the same insured, total insurance benefits for the accidental decease or disability shall be paid to the extent of the basic insured amount specified on the insurance contract.


4) Insurance benefit for medical treatment: in case the insured suffers from any accidental injury or acute disease in the course of competition, and must be treated in a hospital as confirmed by the spot doctor after a diagnosis, the insurer shall pay the actual, reasonable and necessary medical expenses which are more than RMB100 Yuan and in conformity with the regulations on social medical insurance in the place where the policy is issued, within 30 days from the date occurrence of such accident. Total insurance benefits for medical treatment of the same insured shall be paid to the extent of the amount insured for medical treatment as prescribed in the insurance contract. In case the insured has gotten reimbursement from other ways (including social medical insurance institutions, the employers and any commercial insurance agencies including this Company, etc.) the insurer will not pay the reimbursed part, and the benefit shall be paid to the extent of the amount insured for medical treatment.


IV.Exemption from Liabilities:

1. The insurer shall not pay the insurance benefit for the accidental decease of the insured in the event of one of the following circumstance:

(1) The policyholder kills or injures the insured voluntarily;
(2) The insured commits a crime or suicide, resists the criminal enforcement under law or inflicts injury to him/herself voluntarily;
(3) The insured drinks excessively, or takes or injects drugs actively;
(4) The insured drives under the influence of alcohol or without a valid driving license, or drives a vehicle which does not have a valid license;
(5) The miscarriage or parturition of the insured;
(6) Any accident to the insured resulting from mental disease;
(7) Any medical accident caused by cosmetic surgery, other medical operation or operation;
(8) The insured takes any medicine without the permission of his/her doctor, however, the cases that the insured takes OTC drugs in accordance with the user’s instructions and that do not contain the circumstance set out in paragraph (14) of this Exemption from Liabilities, shall not be included;
(9) Any infection of bacteria, virus and other pathogenic microorganism or parasite, however, the wound infection caused by the accidental injury shall not be included;
(10) The insured participates in diving, parachute, rock climbing, driving glider or paraglider, adventure, wrestling competition, martial art competition, acrobat performance, horse racing, motor racing, or any other high-risk sport;
(11) War, military action, unrest or armed revolt;
(12) Nuclear explosion, nuclear radiation or nuclear pollution;
(13) Any accident resulting from the participant’s failure to follow the spot doctor’s instruction to cease the subsequent competition but persisting through the competition;
(14) Any accident resulting from the participant taking some drug constrained in athletic contests;
(15) Imposter participating in the competition;
(16)The injuries caused by violating the competition rules, regulations and requirements made by the organizing committee and its co-organizers.

(17) Any accident resulting from the participate’ congenital, hereditary disease, psychosis, schizophrenia or cancer ever treated or diagnosed, or any disease or symptom that the participant has known or should know prior to the effective date of the policy;
(18) Congenital malformation, deformation or chromosome abnormality (according to the Tenth Revision of the International Statistical Classification of Diseases and Related Health Problems (ICD-10) released by the World Health Organization);
(19)Pre-existing injured body parts or pre-existing bodily injuries aggravated during the competition;


2. The insurer shall not pay the insurance benefit for decease from acute disease, disability or medical treatment of the insured in the event of one of the following circumstance:

(1) The policyholder kills or injuries the insured voluntarily;
(2) The insured commits a crime or suicide, or resists the criminal enforcement under law;
(3) The insured drinks excessively, or takes or injects drugs actively;
(4) The insured drives under the influence of alcohol or without a valid driving license, or drives a vehicle which does not have a valid license;
(5) The miscarriage or parturition of the insured;
(6) Any accident to the insured resulting from mental disease;
(7) Any medical accident caused by cosmetic surgery, other medical operation or operation;
(8) The insured takes any medicine without the permission of his/her doctor, however, the cases that the insured takes OTC drugs in accordance with the user’s instructions and that do not contain the circumstance set out in paragraph (14) of this Exemption from Liabilities, shall not be included;
(9) Orthotherapy, vision correction operation, plastic operation to the insured, however, the necessary cosmetic surgery which results from accidental injury other than the reasons set out in paragraph (7) of this Exemption from Liabilities, shall not be included.
(10) The insured participates in diving, parachute, rock climbing, driving glider or paraglider, adventure, wrestling competition, martial art competition, acrobat performance, horse racing, motor racing, or any other high-risk sport;
(11) War, military action, unrest or armed revolt;
(12) Nuclear explosion, nuclear radiation or nuclear pollution;
(13) Any accident resulting from the participant’s failure to follow the spot doctor’s instruction to cease the subsequent competition but persisting through the competition;
(14) Any accident resulting from the participant taking some drug constrained in athletic contests;
(15) Imposter participating in the competition;
(16) The injuries caused by violating the competition rules, regulations and requirements made by the organizing committee and its co-organizers.
(17) Any accident resulting from the participate’ congenital, hereditary disease, psychosis, schizophrenia or cancer ever treated or diagnosed, or any disease or symptom that the participant has known or should know prior to the effective date of the policy;
(18) Congenital malformation, deformation or chromosome abnormality (according to the Tenth Revision of the International Statistical Classification of Diseases and Related Health Problems (ICD-10) released by the World Health Organization);
(19)Pre-existing injured body parts or pre-existing bodily injuries aggravated during the competition;

(20)General health examinations, preventative treatments, recuperation or convalescent treatment of the insured;

(21)The self-paid items and drugs regulated by Xiamen social medical insurance (including those at public expense and labor insurance) authorities;


V.Amount Insured:

The amounts insured under this life insurance contract: RMB500,000.00 Yuan for decease from accidental injury (RMB 50,000.00 Yuan for a junior), RMB500,000.00 Yuan for decease from acute disease (RMB 50,000.00 Yuan for a junior) ,RMB500,000.00 Yuan for accidental injury disability (RMB 50,000.00 Yuan for a junior); RMB 100,000 Yuan for medical insurance. 


Note: A junior refers to the insured under 18 when the policy takes effect. The insurer shall not be liable for the death of a child under 10 years of age.


VI.Premium:

The Organizing Committee will take out insurance for all participants collectively, and the participants eligible for the insured shall be exempted from the premium.


VII.Application for Benefit:

1.Claim Documents:

1)Claim Application
2)Power of Attorney on Claims
3)Confirmation of Identity of the Deceased’s Beneficiary


2.Necessary Materials for Claims:

Necessary Materials Applying for Each Insurance Benefit

Application Item

Necessary Documents

1. Original medical expense receipts

2. Photocopies of the original medical   expense receipts

3. Identity certificate(s) of the   accident victim(s)

4. Outpatient case history

5. Inpatient case history or discharge   summary

6. Medical expense details/prescription

7. Pathology/blood/image reports

8. Medical certificates of residents’   death or forensic identification

9. Certification of household   registration write-off

10. Funeral and cremation certification

11. Accident certification presented by   relevant departments

12. Report of disability identification

13. Identity of beneficiary

14. Certification of relationship between   the beneficiary and the insured

15. Insurance policy (certificate)

Hospitalization

1. 3.4.5.6.15

Disability

3.4.5.11.12.15

Decease

4.5.8.9.10.11.13.14.15

Outpatient medical treatment

1. 3.4.6.11.15

Note: in case the above documents are still insufficient for full evidence, our company may demand the insured to provide more relevant documents for applying for claims, to better safeguard the rights and interests of the insured. In case the beneficiary commits others to settle the claims, a power of attorney on claims affixed with the personal signature of the insured shall be provided, meanwhile, the identity certificates of the principal and agent shall be attached thereto.