雇主责任保险条款(英文版)

EMPLOYER

’

S

LIABILITY INSURANCE CLAUSES

Ⅰ

. PARTIES TO BE INSURED

rises

including

but

not

limited

to

foreign-invested

enterprises,

private

enterprises,

domestic

stock

companies,

state-owned

enterprises,

non-profit

enterprises,

collective

enterprises

and

collectively

or

privately

contracted

enterprises,

and

also

public

organizations,

government

institutions, schools, are all entitled to applying to China Continent Property & Casualty Insurance

Company Limited(hereinafter referred to as the

their employees (regular workers, casual labor, temporary and seasonal workers and apprentices

included) subject to the terms and conditions of this Policy.

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aforesaid

employees

of

the

Insured

refer

to

those

who

are

paid

for

a

certain

or

uncertain period of employment by the Insured and over the age of sixteen or to those approved to

be employed by statutes and other legal means.

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Ⅱ

. COVERAGE

Insurer

will

indemnify

the

Insured

against

his

liability

under

the

contract

of

employment

and

at

laws

and

regulations

of

the

People

′

s

Republic

of

China

to

pay

medical

expenses

and

other

economic

compensations

within

the

agreed

limit

of

indemnity

in

respect

of

death

or

bodily

injury

or

disablement

by

accident

or

through

occupational

disease,

to

his

employee(s) while, during the effective period of this insurance and in the course of employment

(including to and off work) by the Insured, being engaged in the Insured

′

s business as stated in

this Policy.

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The Insurer will also indemnify the Insured within the agreed sub-limit against defense costs

payable

by

the

Insured

to

the

claimant,

and

other

legal

costs

and

expenses

incurred

with

the

written consent of the Insurer.

Within the period of insurance, the maximum amount of indemnity by the Insurer for all and

each item(s) mentioned hereinabove shall in no case exceed the aggregate limit of indemnity as

stated in the Policy Schedule.

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Ⅲ

. EXCLUSIONS

Insurer shall not be liable for:

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1) Death, diseases, disability or bodily injury sustained by the Insured

′

s employee(s)

named

in

the

Schedule

in

the

course

of

employment

by

the

Insured,

arising

from

war,

military actions, strikes, riots, civil commotion or nuclear radiation;

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2)

Bodily

injury

and/or

disability

to,

or

death

of

the

employee(s)

in

the

course

of

employment

by

the

Insured,

caused

by

or

attributed

to

illness

other

than

occupational

diseases,

infectious

diseases,

childbirth

,

abortion

,

medical

treatment

and

surgical

operations necessitated by such diseases;

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3)

Bodily

injury

and/or

disability

to,

or

death

of

the

employee(s)

in

the

course

of

employment

by

the

Insured,

caused by or

attributed

to

intentional

self-injury, suicide

and

criminal act;

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4)

Bodily

injury

and/or

disability

to,

or

death

of

the

employee(s)

in

the

course

of

employment by the Insured, caused by or attributed to alcohol or drug not necessitated by

the aforesaid occupation;

5) Intentional act or gross negligence of the Insured;

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6) The Insured

′

s liability to employees of contractors to the Insured, unless otherwise

stated;

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7)

Bodily

injury

and/or

disability

to,

or

death

of

the

employee(s)

in

the

course

of

employment by the Insured, occurring outside the territorial limit of the People

’

s Republic

of China, unless otherwise stated;

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8) Other losses and expenses not included in the Coverage of this Policy.

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Ⅳ

. LIMIT OF INDEMNITY

limit of indemnity refers to the agreed maximum amount of indemnity payable by the

Insurer to the Insured for losses or damages sustained by the Insured

’

s employee(s) in respect of

any occurrence within the Coverage of this Policy.

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Ⅴ

. PREMIUM

appropriate premium rate for the Insured shall be ascertained by the Insurer with a view

of the exposures and Rating Table. The Limit of Indemnity multiplied by the Rate makes the due

premium.

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Ⅵ

.PERIOD OF INSURANCE

insurance

period

of

this

Policy

is

one

year,

as

from

0:00

on

the

day

of

inception

to

24:00 on the day of expiration. This Policy shall be renewed on the expiry date.

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Ⅶ

. TREATMENT OF CLAIM

lodging a claim against the Insurer, the Insured shall provide the original Policy, the

relevant Proof of Accident, Medical Report issued by medical organization(s) recognized by the

Insurer,

Original

receipt

of

medical

expenses

and

any

other

necessary

and

effective

documents

required by the Insurer. The Insurer shall as soon as possible examine all these documents, settle

the

claim

and

effect

payment

within

10

days

from

the

date

when

the

amount

of

indemnity

is

mutually agreed upon.

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the event of occurrence falling within the Coverage during the period of Insurance, the

Insurer shall, in the manners as follows, indemnify the Insured against his liability for the death of,

bodily

injury

and

disablement

to

the

employee(s),

specified

in

the

Name

List

provided

by

the

Insured:

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1) In respect of death, Permanent Full Disablement/Permanent Partial Disablement: The total

amount of indemnity shall

be calculated by

multiplying the percentage set forth in the attached

Indemnity Scale of the Policy by the limit of indemnity for death, bodily injury and disablement

respectively.

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2) In respect of Temporary Disability for a period exceeding 5 days (the first five days not

included):

During

this

period,

as

certified

by

the

hospital,

the

professional

injury

subsidy

per

person per day shall be in accordance with the minimum living expenses stipulated by the local

government.

Such

subsidy

shall

be

terminated

once

the

medical

treatment

is

completed

or

the

extent of disablement is ascertained. But in no case shall the period of indemnity exceed one year.

If permanent full or partial disablement is ascertained by medical organization(s), the indemnity

shall be calculated according to the above section 9. 1). The total amount payable, including injury