What Are High-Risk Pools in Insurance?

Ping An Property & Casualty Insurance Co., Ltd. of Ping An attaches high-risk sports accident injury insurance clauses.

Ping An attaches high-risk sports accident insurance

Right!

Ping An Property & Casualty Insurance Co., Ltd. of Ping An attaches high-risk sports accident injury insurance clauses.

Detailed terms:
China Ping An Property & Casualty Insurance Co., Ltd. General Rules for Ping An Additional High-Risk Sports Accident Insurance

Article 1 This supplementary insurance contract must be attached to various accidental injury insurance and accidental medical insurance contracts (hereinafter referred to as the "main insurance contract"). The terms, insurance policies, insurance policies, insurance certificates, and approval slips attached to the main insurance contract, all those related to this supplementary insurance contract are all part of this supplementary insurance contract. Any agreement concerning this supplementary insurance contract shall be in writing. In case of conflict between the terms of the main insurance contract and this supplementary insurance contract, the terms of this supplementary insurance contract shall prevail. For matters not covered in this supplementary insurance contract, the provisions of the main insurance contract shall prevail.

Article 2 Insurance Liability During the insurance period, the insurer expands to cover accidental injuries suffered by the insured during high-risk sports such as skydiving, diving, rock climbing, and adventure activities, and according to the main insurance contract The compensation item bears the responsibility to pay insurance benefits.

Exemption of Liability Article 3 Except for the various exemptions specified in the main insurance contract, the insurer shall not be liable for the payment of insurance benefits if it causes accidents due to the following reasons: (1) the insured participates in any professional sports activities or Performances, or any sports or performances with bonuses or rewards; (2) the insured person participates in any race or competitive event such as horse racing, racing, or performs various vehicle performances, vehicle competitions, stunt performances; (3) insured The person violates the safety management regulations of the manager of the relevant high-risk sports facility; (4) Any sports agreed upon by both parties to the contract and stated in the insurance policy that the insurer does not cover.

Application and Payment of Insurance Benefits Article 4 When an insured event stipulated in this supplementary insurance contract occurs, when an insurance applicant applies for insurance benefits to the insurer, in addition to the relevant materials specified in the main insurance contract, the following materials must be provided: ( 1) The sports contract or related vouchers such as tickets signed by the insured and the organizer of the high-risk campaign; (2) The accident certificate issued by the organizer of the high-risk campaign or the public security department.

Other matters Article 5 This additional insurance contract shall be terminated if one of the following occurs: (1) the main insurance contract is terminated; (2) the policyholder terminates this additional insurance contract.

Article 6 Interpretation [High-risk sports] refers to sports that have a higher level of risk and are more prone to personal injury than ordinary routine sports. Before performing such sports, you must have sufficient psychological preparation and preparation for action. You do not have the relevant knowledge and skills or you must master them after receiving training or training from professionals. The insured must have relevant protective measures or facilities when performing such sports to avoid losses or mitigate losses, including but not limited to diving, water skiing, skiing, skating, driving or riding a paraglider, paraglider, parachuting, rock climbing , Adventure activities, martial arts competitions, wrestling competitions, judo, karate, taekwondo, equestrian, boxing, stunt performances, driving karts, horse racing, racing, various vehicle performances, bungee jumping. Other interpretations refer to the terms of the main insurance contract.