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            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
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            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
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            <span style="font-family:楷体; font-size:14pt; font-weight:bold">中国平安财产保险股份有限公司</span>
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            <span style="font-family:楷体; font-size:14pt; font-weight:bold">平安家政服务雇主意外伤害保险条款</span>
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            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">注册号：</span>
            <span
              style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold"
            >C00001732312018031402851</span>
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            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
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            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">总则</span>
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            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第一条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >本保险合同由保险条款、投保单、保险单、保险凭证以及批单等组成。凡涉及本保险合同的约定，均应采用书面形式。</span>
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            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold"></span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >本保险合同的被保险人均应为六十五周岁（含）以下、身体健康、能正常工作或正常生活的自然人，包括：</span>
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            <span style="font-family:楷体; font-size:10.5pt">（一）保险单载明的被保险人（以下简称</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">“</span>
            <span style="font-family:楷体; font-size:10.5pt">记名被保险人</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">”</span>
            <span style="font-family:楷体; font-size:10.5pt">）；</span>
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            <span style="font-family:楷体; font-size:10.5pt">（二）记名被保险人的</span>
            <span style="font-family:楷体; font-size:10.5pt">家庭成员</span>
            <span style="font-family:楷体; font-size:10.5pt">。</span>
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            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第三条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >本保险合同的投保人应为具有完全民事行为能力的被保险人本人、对被保险人有保险利益的其他人。</span>
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            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第四条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">本保险合同的受益人包括：</span>
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            <span style="font-family:楷体; font-size:10.5pt">（一）身故保险金受益人</span>
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            <span
              style="font-family:楷体; font-size:10.5pt"
            >订立本保险合同时，被保险人或投保人可指定一人或数人为身故保险金受益人。身故保险金受益人为数人时，应确定其受益顺序和受益份额；未确定受益份额的，各身故保险金受益人按照相等份额享有受益权。投保人指定受益人时须经被保险人同意。</span>
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            <span
              style="font-family:楷体; font-size:10.5pt"
            >被保险人死亡后，有下列情形之一的，保险金作为被保险人的遗产，由保险人依照《中华人民共和国继承法》的规定履行给付保险金的义务：</span>
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            <span style="font-family:'Times New Roman'; font-size:10.5pt">1</span>
            <span style="font-family:楷体; font-size:10.5pt">．没有指定受益人，或者受益人指定不明无法确定的；</span>
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            <span style="font-family:'Times New Roman'; font-size:10.5pt">2</span>
            <span style="font-family:楷体; font-size:10.5pt">．受益人先于被保险人死亡，没有其他受益人的；</span>
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            <span style="font-family:'Times New Roman'; font-size:10.5pt">3</span>
            <span style="font-family:楷体; font-size:10.5pt">．受益人依法丧失受益权或者放弃受益权，没有其他受益人的。</span>
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            <span style="font-family:楷体; font-size:10.5pt">受益人与被保险人在同一事件中死亡，且不能确定死亡先后顺序的，推定受益人死亡在先。</span>
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            <span
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            >被保险人或投保人可以变更身故保险金受益人，但需书面通知保险人，由保险人在本保险合同上批注。</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >对因身故保险金受益人变更发生的法律纠纷，保险人不承担任何责任</span>
            <span style="font-family:楷体; font-size:10.5pt">。</span>
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            <span
              style="font-family:楷体; font-size:10.5pt"
            >投保人指定或变更身故保险金受益人的，应经被保险人书面同意。被保险人为无民事行为能力人或限制民事行为能力人的，应由其监护人指定或变更身故保险金受益人。</span>
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            <span style="font-family:楷体; font-size:10.5pt">（二）伤残保险金受益人和医疗保险金受益人</span>
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            <span style="font-family:楷体; font-size:10.5pt">除另有约定外，本保险合同的伤残保险金和医疗保险金的受益人为被保险人本人。</span>
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          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险责任</span>
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            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第五条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">保险期间内，因记名被保险人雇佣的家政人员在从事家政服务工作中的疏忽、</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >过失行为，造成被保险人身故、伤残或医疗费用支出的，保险人按本保险合同的规定进行赔偿。</span>
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            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（一）身故保险责任</span>
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            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险期间内，因记名被保险人雇佣的家政人员在从事家政服务工作中的疏忽、过失行为造成被保险人人身伤害，且被保险人自伤害之日起一百八十日内身故的，保险人按人身伤害保险金额给付身故保险金，</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险责任终止。</span>
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            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >若保险人已经给付第（二）款约定的伤残保险金的，身故保险金应扣除已给付的保险金。</span>
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            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（二）伤残保险责任</span>
          </p>
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            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险期间内，因记名被保险人雇佣的家政人员在从事家政服务工作中的疏忽、过失行为造成被保险人人身伤害，且被保险人自伤害之日起</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">180</span>
            <span style="font-family:楷体; font-size:10.5pt">日因该事故造成《人身保险伤残评定标准及代码》（标准编号为</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">JR/T0083—2013</span>
            <span style="font-family:楷体; font-size:10.5pt">，下简称《伤残评定标准》）所列伤残之一的，</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >保险人按该表所列给付比例乘以人身伤害保险金额给付伤残保险金。</span>
            <span style="font-family:楷体; font-size:10.5pt">如第一百八十日治疗仍未结束的，按当日的身体情况进行伤残鉴定，并据此给付伤残保险金。</span>
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          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">1</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >．当同一保险事故造成两处或两处以上伤残时，应首先对各处伤残程度分别进行评定，如果几处伤残等级不同，以最重的伤残等级作为最终的评定结论；如果两处或两处以上伤残等级相同，伤残等级在原评定基础上最多晋升一级，最高晋升至第一级。同一部位和性质的伤残，不应采用《伤残评定标准》条文两条以上或者同一条文两次以上进行评定。</span>
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            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">2</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >．如果被保险人在本次保险事故之前已有伤残，保险人按合并后的伤残程度在《伤残评定标准》中所对应的给付比例给付伤残保险金，但应扣除原有伤残程度在《伤残评定标准》所对应的伤残保险金。</span>
          </p>
          <p
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          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >保险期间内，前述第（一）、（二）款下的保险金累计给付金额以保险单载明的人身伤害保险金额为限。</span>
          </p>
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            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（三）医疗保险责任</span>
          </p>
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            <span style="font-family:楷体; font-size:10.5pt">保险期间内，</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >因记名被保险人雇佣的家政人员在从事家政服务工作中的疏忽、过失行为造成被保险人人身伤害</span>
            <span style="font-family:楷体; font-size:10.5pt">，导致被保险人在符合本保险合同第二十七条释义的医院（以下简称</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">“</span>
            <span style="font-family:楷体; font-size:10.5pt">释义医院</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">”</span>
            <span style="font-family:楷体; font-size:10.5pt">）进行治疗的，</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >保险人就其自事故发生之日起一百八十日内实际支出的按照当地社会医疗保险主管部门规定可报销的、必要、合理的医疗费用，按保险单载明的免赔额和赔付比例给付</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">“</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">人身伤害医疗保险金</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">”</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">。</span>
          </p>
          <p
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          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >不论一次或多次发生本项保险事故，保险人均按上述规定分别给付人身伤害医疗保险金，</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >但累计给付金额以保险单载明的人身伤害医疗保险金额为限，累计给付金额达到人身伤害医疗保险金额时，本项保险责任终止。</span>
          </p>
          <p
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          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >被保险人如果已从其他途径获得补偿，则保险人只承担合理医疗费用剩余部分的保险责任。</span>
          </p>
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          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">责任免除</span>
          </p>
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          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第六条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal"></span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >因下列原因造成的被保险人身故、伤残或医疗费用支出的，保险人不承担给付保险金责任：</span>
          </p>
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            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（一）被保险人的故意或重大过失行为；</span>
          </p>
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            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（二）非记名被保险人雇佣的家政人员的行为。</span>
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            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第七条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal"></span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >被保险人在下列期间遭受伤害导致身故、伤残或医疗费用支出的，保险人不承担给付保险金责任：</span>
          </p>
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            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（一）战争、军事行动、暴动或武装叛乱期间；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（二）被保险人醉酒或受毒品、管制药物影响期间；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（三）被保险人酒后驾车、无有效驾驶证驾驶或驾驶无有效行驶证的机动车期间。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第八条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">下列费用，保险人不承担给付保险金责任：</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（一）保险单签发地社会医疗保险或其他公费医疗管理部门规定的自费项目和药品费用；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（二）因椎间盘膨出和突出造成被保险人支出的医疗费用；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（三）营养费、康复费、辅助器具费、整容费、美容费、修复手术费、牙齿整形费、牙齿修复费、镶牙费、护理费、交通费、伙食费、误工费、丧葬费。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险金额和保险费</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第九条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >本保险合同的人身伤害保险金额和人身伤害医疗保险金额由投保人、保险人双方约定，并在保险单中载明。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">投保人应该按照合同约定向保险人交纳保险费。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险期间</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:24pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">本保险合同的保险期间由投保人与保险人协商确定，并在保险单上载明，但最长不超过一年。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险人义务</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十一条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">本保险合同成立后，保险人应当及时向投保人签发保险单或其他保险凭证。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十二条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人按照第二十条的约定，认为被保险人提供的有关索赔的证明和资料不完整的，应当及时一次性通知投保人、被保险人补充提供。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十三条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人收到被保险人的给付保险金的请求后，应当及时作出是否属于保险责任的核定；情形复杂的，保险人将在确定是否属于保险责任的基本材料收集齐全后，尽快做出核定。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:20.6pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人应当将核定结果通知被保险人；对属于保险责任的，在与被保险人达成给付保险金的协议后十日内，履行赔偿保险金义务。保险合同对给付保险金的期限有约定的，保险人应当按照约定履行给付保险金的义务。保险人依照前款约定作出核定后，对不属于保险责任的，应当自作出核定之日起三日内向被保险人发出拒绝给付保险金通知书，并说明理由。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十四条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人自收到给付保险金的请求和有关证明、资料之日起六十日内，对其给付的数额不能确定的，应当根据已有证明和资料可以确定的数额先予支付；保险人最终确定给付的数额后，应当支付相应的差额。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;&nbsp;&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十五条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >投保人符合保险法规定的退还保险费相关要求的，保险人应当按照保险法相关规定退还未满期净保费。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">投保人、被保险人义务</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:20.6pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十六条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">除另有约定外，投保人应当在保险合同成立时交清保险费。</span>
            <span style="font-family:楷体; font-size:10.5pt"></span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:20.6pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十七条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">订立保险合同，保险人就被保险人的有关情况提出询问的，投保人应当如实告知。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >投保人故意或者因重大过失未履行前款规定的义务，足以影响保险人决定是否同意承保或者提高保险费率的，保险人有权解除本保险合同。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >前款规定的合同解除权，自保险人知道有解除事由之日起，超过三十日不行使而消灭。自合同成立之日起超过二年的，保险人不得解除合同；发生保险事故的，保险人应当承担给付保险金责任。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >投保人故意不履行如实告知义务的，保险人对于合同解除前发生的保险事故，不承担给付保险金责任，并不退还保险费。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:20.6pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >投保人因重大过失未履行如实告知义务，对保险事故的发生有严重影响的，保险人对于合同解除前发生的保险事故，不承担给付保险金责任，但应当退还保险费。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:20.6pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人在合同订立时已经知道投保人未如实告知的情况的，保险人不得解除合同；发生保险事故的，保险人应当承担给付保险金责任。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十八条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >投保人住所或通讯地址变更时，应及时以书面形式通知保险人。投保人未通知的，保险人按本保险合同所载的最后住所或通讯地址发送的有关通知，均视为已发送给投保人。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十九条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">投保人、被保险人或者保险金受益人知道保险事故发生后，应当及时通知保险人。</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >故意或者因重大过失未及时通知，致使保险事故的性质、原因、损失程度等难以确定的，保险人对无法确定的部分，不承担给付保险金责任</span>
            <span style="font-family:楷体; font-size:10.5pt">，但保险人通过其他途径已经及时知道或者应当及时知道保险事故发生的除外。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">上述约定，不包括因不可抗力而导致的迟延。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险金申请与给付</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:20.7pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险金申请人向保险人申请给付保险金时，应提交以下材料。保险金申请人因特殊原因不能提供以下材料的，应提供其他合法有效的材料。</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >保险金申请人未能提供有关材料，导致保险人无法核实该申请的真实性的，保险人对无法核实部分不承担给付保险金的责任。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（一）身故保险金申请</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">1</span>
            <span style="font-family:楷体; font-size:10.5pt">．保险金给付申请书；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">2</span>
            <span style="font-family:楷体; font-size:10.5pt">．保险单原件；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">3</span>
            <span style="font-family:楷体; font-size:10.5pt">．保险金申请人的身份证明；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">4</span>
            <span style="font-family:楷体; font-size:10.5pt">．家政</span>
            <span style="font-family:楷体; font-size:10.5pt">人员与记名被保险人存在雇佣关系的证明</span>
            <span style="font-family:楷体; font-size:10.5pt">；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">5</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >．公安部门或医疗机构出具的身故者死亡证明书；若为宣告死亡，保险金申请人应提供人民法院出具的宣告死亡证明文件；身故者的户籍注销证明；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">6</span>
            <span style="font-family:楷体; font-size:10.5pt">．死亡原因的证明材料；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">7</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >．保险金申请人所能提供的与确认保险事故的性质、原因、损失程度等有关的其他证明和资料；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">8</span>
            <span style="font-family:楷体; font-size:10.5pt">．若保险金申请人委托他人申请的，还应提供授权委托书原件、委托人和受托人的身</span>
            <span style="font-family:楷体; font-size:10.5pt">份证明等相关证明文件。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >除提交上述材料外，保险金申请人申请身故保险金时，为确定事故原因，保险人有权要求由司法鉴定机构对事故原因进行鉴定，如进行尸体检验等。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（二）伤残保险金申请</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">1</span>
            <span style="font-family:楷体; font-size:10.5pt">．保险金给付申请书；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">2</span>
            <span style="font-family:楷体; font-size:10.5pt">．保险单原件；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">3</span>
            <span style="font-family:楷体; font-size:10.5pt">．被保险人的身份证明；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">4</span>
            <span style="font-family:楷体; font-size:10.5pt">．家政</span>
            <span style="font-family:楷体; font-size:10.5pt">人员与记名被保险人存在雇佣关系的证明</span>
            <span style="font-family:楷体; font-size:10.5pt">；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">5</span>
            <span style="font-family:楷体; font-size:10.5pt">．二级以上（含二级）或保险人认可的医疗机构或司法鉴定机构出具的伤残鉴定诊断书；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">6</span>
            <span style="font-family:楷体; font-size:10.5pt">．伤残原因的证明材料；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">7</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >．保险金申请人所能提供的与确认保险事故的性质、原因、损失程度等有关的其他证明和资料；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">8</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >．若保险金申请人委托他人申请的，还应提供授权委托书原件、委托人和受托人的身份证明等相关证明文件。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（三）医疗保险金申请</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">1</span>
            <span style="font-family:楷体; font-size:10.5pt">．保险金给付申请书；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">2</span>
            <span style="font-family:楷体; font-size:10.5pt">．保险单原件；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">3</span>
            <span style="font-family:楷体; font-size:10.5pt">．被保险人的身份证明；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">4</span>
            <span style="font-family:楷体; font-size:10.5pt">．家政</span>
            <span style="font-family:楷体; font-size:10.5pt">人员与记名被保险人存在雇佣关系的证明</span>
            <span style="font-family:楷体; font-size:10.5pt">；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">5</span>
            <span style="font-family:楷体; font-size:10.5pt">．释义医院出具的医疗证明和医疗费用原始凭证；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">6</span>
            <span style="font-family:楷体; font-size:10.5pt">．事故原因证明；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">7</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >．保险金申请人所能提供的与确认保险事故的性质、原因、伤害程度等有关的其他证明和资料；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">8</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >．若保险金申请人委托他人申请的，还应提供授权委托书原件、委托人和受托人的身份证明等相关证明文件。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >若记名被保险人的家庭成员发生保险事故，除上述（一）、（二）、（三）中索赔材料外，保险金申请人还需提供家庭成员的关系证明。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">&nbsp;&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold"></span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十一条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >保险金申请人向保险人请求给付保险金的诉讼时效期间为二年，自其知道或者应当知道保险事故发生之日起计算。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">争议处理和法律适用</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十二条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >因履行本保险合同发生的争议，由当事人协商解决。协商不成的，提交保险单载明的仲裁机构仲裁；保险单未载明仲裁机构或者争议发生后未达成仲裁协议的，依法向人民法院起诉。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十三条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >与本保险合同有关的以及履行本保险合同产生的一切争议处理适用中华人民共和国法律（不包括港澳台地区法律）。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">其他事项</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十四条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >本保险合同涉及的外币与人民币的汇率，以结算当日中华人民共和国中国人民银行公布的外汇汇率为准。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十五条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">投保人和保险人可以协商变更合同内容。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >变更保险合同的，应当由保险人在保险单或者其他保险凭证上批注或附贴批单，或者投保人和保险人订立变更的书面协议。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十六条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >在本保险合同成立后，投保人可以书面形式通知保险人解除合同，但保险人已根据本保险合同约定给付保险金的除外。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">投保人解除本保险合同时，应提供下列证明文件和资料：</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（一）保险合同解除申请书；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（二）保险单原件；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（三）保险费交付凭证；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（四）投保人身份证明。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >投保人要求解除本保险合同，自保险人接到保险合同解除申请书之时起，本保险合同的效力终止。保险人收到上述证明文件和资料之日起</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">30</span>
            <span style="font-family:楷体; font-size:10.5pt">日内退还保险单的未满期净保费。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">释义</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十七条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold"></span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.3pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">【家庭成员】指法定关系的父母、配偶、子女。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.3pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">【家政人员】</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >指按照雇主的要求，以自身的体力或脑力劳动，完成雇主日常家庭生活事务，并收取劳动报酬的人员，包括钟点工、半天工、全天工、全天寄宿工等。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >【医院】指保险人与投保人约定的定点医院，未约定定点医院的，则指经中华人民共和国卫生部门评审确定的二级或二级以上的公立医院，但不包括主要作为诊所、康复、护理、休养、静养、戒酒、戒毒等或类似的医疗机构。该医院必须具有符合国家有关医院管理规则设置标准的医疗设备，且全天二十四小时有合格医师及护士驻院提供医疗及护理服务。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">&nbsp;&nbsp;&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">【人身保险伤残评定标准及代码】</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal"></span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">《人身保险伤残评定标准及代码》（</span>
            <span
              style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:normal"
            >JR/T 0083—2013</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">）是由中国保险监督管理委员会发布（保监发</span>
            <span
              style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:normal"
            >[2014]6</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >号）并经国家标准化委员会备案的中华人民共和国金融行业标准。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">【醉酒】指血液中的酒精含量大于或者等于</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">80mg/100mL</span>
            <span style="font-family:楷体; font-size:10.5pt">。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">【酒后驾车】指车辆驾驶人员在其血液中的酒精含量大于或者等于</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">20mg/100mL</span>
            <span style="font-family:楷体; font-size:10.5pt">时的驾驶行为。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">【无有效驾驶证】被保险人存在下列情形之一者：</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">1</span>
            <span style="font-family:楷体; font-size:10.5pt">）无驾驶证，驾驶证被依法扣留、暂扣、吊销、注销；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">2</span>
            <span style="font-family:楷体; font-size:10.5pt">）驾驶的机动车与驾驶证载明的准驾车型不符；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">3</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >）实习期内驾驶公共汽车、营运客车或者执行任务的警车、载有危险物品的机动车或牵引挂车的机动车；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">4</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >）使用各种专用机械车、特种车的人员无国家有关部门核发的有效操作证、许可证书或其他必备证书，驾驶出租机动车或营业性机动车无交通运输管理部门核发的许可证书或其他必备证书。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:20.5pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">【无有效行驶证】指下列情形之一：</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">1</span>
            <span style="font-family:楷体; font-size:10.5pt">）机动车行驶证、号牌被注销的；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">2</span>
            <span style="font-family:楷体; font-size:10.5pt">）未按规定检验或检验不合格。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">【未满期净保费】未满期净保费＝保险费</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">×[1</span>
            <span style="font-family:楷体; font-size:10.5pt">－（保险单已经过天数</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">/</span>
            <span style="font-family:楷体; font-size:10.5pt">保险期间天数）</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">] ×</span>
            <span style="font-family:楷体; font-size:10.5pt">（</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">1</span>
            <span style="font-family:楷体; font-size:10.5pt">－</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">35%</span>
            <span style="font-family:楷体; font-size:10.5pt">）。经过天数不足一天的按一天计算。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">【</span>
            <span style="font-family:楷体; font-size:10.5pt">保险金申请人</span>
            <span style="font-family:楷体; font-size:10.5pt">】</span>
            <span style="font-family:楷体; font-size:10.5pt">指受益人或被保险人的继承人或依法享有保险金请求权的其他自然人。</span>
          </p>
          <p style="margin:0pt; orphans:0; text-align:justify; text-indent:21pt; widows:0">
            <span
              style="font-family:楷体; font-size:10.5pt"
            >【辅助器具费】指购买、安装或修理假肢、矫形器、假眼、假牙和配置轮椅等辅助器具的费用。</span>
          </p>
          <p style="margin:0pt; orphans:0; text-align:justify; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt">
            <br style="page-break-before:always; clear:both" />
          </p>
          <p style="margin:0pt; orphans:0; text-align:justify; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <a name="OLE_LINK4"></a>
            <a name="OLE_LINK3">
              <span style="font-family:楷体; font-size:14pt; font-weight:bold">中国平安财产保险股份有限公司</span>
            </a>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:14pt; font-weight:bold">平安家政服务雇主财产损失保险条款</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">注册号：</span>
            <span
              style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold"
            >C00001732112019122716761</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">总则</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第一条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >本保险合同由保险条款、投保单、保险单、保险凭证以及批单等组成，凡涉及本保险合同的约定，均应采用书面形式。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:22.2pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold"></span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">本保险合同的被保险人应为自然人。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.2pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第三条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">本保险合同的投保人应为具有完全民事行为能力的自然人。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第四条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">本保险合同中的可承保的家庭财产，即保险标的，包括由被保险人所有的</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">房屋</span>
            <span style="font-family:楷体; font-size:10.5pt">、</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">房屋装修</span>
            <span style="font-family:楷体; font-size:10.5pt">、</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">室内财产</span>
            <span style="font-family:楷体; font-size:10.5pt">及</span>
            <span style="font-family:楷体; font-size:10.5pt">其他经投保人申请且经保险人书面同意承保的其他家庭财产</span>
            <span style="font-family:楷体; font-size:10.5pt">，具体所承保的家庭财产以保单载明为准。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第五条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">下列财产不属于本保险合同的保险标的：</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（一）</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >金银、首饰、珠宝、货币、有价证券、票证、邮票、古玩、文件、账册、技术资料、图表、动植物以及其他无法鉴定价值的财产；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">二）违章建筑、危险建筑、非法占有的财产；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（三）用于生产经营的财产；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（四）其他保险单中载明的不属于保障范围的财产；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（五）其他不属于第四条所列范围的财产。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险责任</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第六条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险期间内，因被保险人雇佣的家政人员在从事家政服务工作中的疏忽、过失行为，造成保险标的的直接经济损失，</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险人按保险单载明的免赔额和赔偿比例负责赔偿</span>
            <span style="font-family:楷体; font-size:10.5pt">。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">被保险人无论一次或多次遭受保险事故，保险人均按上述规定分别赔偿保险金，</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >每次事故赔偿金额以每次事故赔偿限额为限，累计赔偿金额以保险金额为限</span>
            <span style="font-family:楷体; font-size:10.5pt">。</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">累计赔偿金额达到保险金额时，保险责任终止。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">责任免除</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第七条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal"></span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">下列损失、费用，保险人不负赔偿责任：</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（一）投保人、被保险人及其家庭成员、家政人员的故意或重大过失行为造成的财产损失；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（二）家政人员在得到被保险人或被保险人的家庭成员允许的行为所造成的财产损失；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（三）家用电器因超电压、碰线、漏电、自身发热等原因造成的自身损毁；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（四）保险标的本身缺陷、保管不善、变质、霉烂、受潮、虫咬、自然磨损；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（五）间接损失。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <a name="OLE_LINK2"></a>
            <a name="OLE_LINK1">
              <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险金额</span>
            </a>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第八条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >本保险合同的每次事故赔偿限额和保险金额由投保人在投保时与保险人协商确定，并在保险单中载明。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险期间</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:24pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第九条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">本保险合同的保险期间由投保人与保险人协商确定，并在保险单中载明，最长不超过一年。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险人义务</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">本保险合同成立后，保险人应当及时向投保人签发保险单或其他保险凭证。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十一条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人按照本保险合同的约定，认为被保险人提供的有关索赔的证明和资料不完整的，应当及时一次性通知投保人、被保险人补充提供。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十二条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人收到被保险人的给付保险金的请求后，应当及时作出是否属于保险责任的核定；情形复杂的，保险人将在确定是否属于保险责任的基本材料收集齐全后，尽快做出核定。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人应当将核定结果通知被保险人；对属于保险责任的，在与被保险人达成给付保险金的协议后十日内，履行赔偿保险金义务。保险合同对给付保险金的期限有约定的，保险人应当按照约定履行给付保险金的义务。保险人依照前款约定作出核定后，对不属于保险责任的，应当自作出核定之日起三日内向被保险人发出拒绝给付保险金通知书，并说明理由。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十三条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人自收到给付保险金的请求和有关证明、资料之日起六十日内，对其给付的数额不能确定的，应当根据已有证明和资料可以确定的数额先予支付；保险人最终确定给付的数额后，应当支付相应的差额。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt 42pt; orphans:0; text-align:center; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">投保人、被保险人义务</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-indent:21pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十四条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">除另有约定外，投保人应当在保险合同成立时缴清保险费。</span>
          </p>
          <p
            style="margin:7.8pt 0pt 2.5pt; orphans:0; text-align:justify; text-indent:20.6pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十五条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >订立保险合同，保险人就被保险人的有关情况提出询问的，投保人应当如实告知。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >投保人故意或者因重大过失未履行前款规定的义务，足以影响保险人决定是否同意承保或者提高保险费率的，保险人有权解除本保险合同。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >投保人故意不履行如实告知义务的，保险人对于合同解除前发生的保险事故，不承担给付保险金责任，并不退还保险费。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >投保人因重大过失未履行如实告知义务，对保险事故的发生有严重影响的，保险人对于合同解除前发生的保险事故，不承担给付保险金责任，但应当退还保险费。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:24pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十六条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">保险事故发生后，被保险人应当：</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:24pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（一）尽力采取必要、合理的措施，防止或减少损失，否则，</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >对因故意或重大过失扩大的损失，保险人不承担赔偿责任；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:24pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（二）及时通知保险人，并书面说明事故发生的原因、经过和损失情况；</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >故意或者因重大过失未及时通知，致使保险事故的性质、原因、损失程度等难以确定的，对无法确定的部分，保险人不承担赔偿保险金的责任，</span>
            <span style="font-family:楷体; font-size:10.5pt">但保险人通过其他途径已经及时知道或者应当及时知道保险事故发生的除外；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:24pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（三）保护事故现场，允许并且协助保险人进行事故调查，</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >对于拒绝或者妨碍保险人进行事故调查导致无法确定事故原因或核实损失情况的，对无法确定或核实的部分，保险人不承担赔偿责任；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（四）涉及违法、犯罪的，应立即向公安部门报案，</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">否则，对因此扩大的损失，保险人不承担赔偿责任。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">赔偿处理</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:20.7pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十七条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >当保险事故发生后，请被保险人及时向保险人报案，并提供以下资料进行索赔：</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:20.7pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >（一）被保险人的身份证明、保单号及索赔申请书；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:20.7pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">（二）家政</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">人员与被保险人存在雇佣关系的证明；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:20.7pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >（三）财产损失及其金额的证明材料，包括但不限于发票、购买凭证、维修费用凭证；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:20.7pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">（四）造成财产损失的原因证明材料；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:20.7pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >（五）投保人或被保险人所能提供的、与确认保险事故的性质、原因、损失程度等有关的其他证明和资料。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >被保险人未履行前款约定的索赔材料提供义务，导致保险人无法核实损失情况的，保险人对无法核实的部分不承担赔偿责任。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十八条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold"></span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">保险标的遭受损失后，如果有残余价值，应由被保险人和保险人双方协商处理。</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >如折归被保险人，由双方协商确定其价值，并在保险赔款中扣除。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十九条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">保险标的发生保险责任范围内的损失，保险人按实际损失计算赔偿，</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >以保险金额和保险标的出险时实际价值的较小者为限。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >被保险人为了防止或减少保险标的的损失所支付的必要、合理的费用，在保险标的损失赔偿金额之外另行计算，</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >以保险金额和被施救保险标的出险时实际价值的较小值为限。</span>
            <span style="font-family:楷体; font-size:10.5pt">被施救的财产中，若含有本保险合同未承保财产的，</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >按被施救保险标的的出险时实际价值与全部被施救财产价值的比例分摊施救费用。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >若保险标的发生部分损失，且该次赔偿金额与免赔额之和（不含施救费用）小于保险金额时，保险人履行赔偿义务后，</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >本保险合同的保险金额自损失发生之日起按赔偿金额相应减少，且无需退还保险金额减少部分的保险费。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">若保险标的发生</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">全部损失</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">，或</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >该次赔偿金额与免赔额之和（不含施救费用）大于或等于保险金额时，保险人履行赔偿义务后，本保险合同自动终止。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十一条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人受理报案、进行现场查勘、核损定价、参与案件诉讼、向被保险人提供建议等行为，均不构成保险人对赔偿责任的承诺。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p
            style="margin:7.8pt 0pt 2.5pt; orphans:0; text-align:center; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">争议处理和法律适用</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十二条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >因履行本保险合同发生的争议，由当事人协商解决。协商不成的，提交保险单载明的仲裁机构仲裁；保险单未载明仲裁机构或者争议发生后未达成仲裁协议的，依法</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">向</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">中华人民共和国（不包括港澳台地区）</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">人民法院起诉。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十三条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >与本保险合同有关的以及履行本保险合同产生的一切争议处理适用中华人民共和国法律（不包括港澳台地区法律）。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">其他事项</span>
          </p>
          <p style="margin:6pt 0pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十四条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >保险金申请人向保险人请求保险金的诉讼时效，按照有关法律规定执行，自其知道或者应当知道保险事故之日起计算。</span>
          </p>
          <p style="margin:7.8pt 0pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十五条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">投保人和保险人可以协商变更合同内容。</span>
          </p>
          <p style="margin:7.8pt 0pt; orphans:0; text-align:justify; text-indent:21pt; widows:0">
            <span
              style="font-family:楷体; font-size:10.5pt"
            >变更保险合同的，应当由保险人在保险单或者其他保险凭证上批注或附贴批单，或者投保人和保险人订立变更的书面协议。</span>
          </p>
          <p style="margin:7.8pt 0pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十六条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">在本保险合同成立后，投保人可以书面形式通知保险人解除合同，</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">但保险人已根据本保险合同约定赔偿保险金的除外。</span>
          </p>
          <p style="margin:7.8pt 0pt; orphans:0; text-align:justify; text-indent:21pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt">投保人解除本保险合同时，应提供下列证明文件和资料：</span>
          </p>
          <p style="margin:7.8pt 0pt; orphans:0; text-align:justify; text-indent:21pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt">（一）保险合同解除申请书；</span>
          </p>
          <p style="margin:7.8pt 0pt; orphans:0; text-align:justify; text-indent:21pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt">（二）保险单；</span>
          </p>
          <p style="margin:7.8pt 0pt; orphans:0; text-align:justify; text-indent:21pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt">（三）保险费交付凭证；</span>
          </p>
          <p style="margin:7.8pt 0pt; orphans:0; text-align:justify; text-indent:21pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt">（四）投保人身份证明。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >投保人要求解除本保险合同，自保险人接到保险合同解除申请书之时起，本保险合同的效力终止。保险人收到上述证明文件和资料之日起三十日内退还保险单的未满期保费。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">释义</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="-aw-bookmark-end:OLE_LINK2"></span>
            <span style="-aw-bookmark-end:OLE_LINK1"></span>
            <span style="font-family:楷体; font-size:10.5pt">【</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >房屋】包括房屋以及房屋交付使用时已存在的室内附属设备，如固定装置的水暖、气暖、卫生、供水、管道煤气及供电设备、厨房配套的设备等）。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >【房屋装修】包括与房屋装修配套的室内附属设备，如固定装置的水暖、气暖、卫生、供水、管道煤气及供电设备、厨房配套的设备等。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.2pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">【室内财产】包括：</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">1</span>
            <span style="font-family:楷体; font-size:10.5pt">．普通家用电器</span>
            <span style="font-family:楷体; font-size:10.5pt">（包括安装在房屋外的空调器和太阳能热水器等家用电器的室外设备）</span>
            <span style="font-family:楷体; font-size:10.5pt">；</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">2</span>
            <span style="font-family:楷体; font-size:10.5pt">．</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >便携式家用电器：包括便携式电脑、移动电话、随身听、数码播放器、电动剃须刀、照相机、摄像机；</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">3</span>
            <span style="font-family:楷体; font-size:10.5pt">．床上用品、衣物、鞋帽、箱包、手表；</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">4</span>
            <span style="font-family:楷体; font-size:10.5pt">．家具；</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">5</span>
            <span style="font-family:楷体; font-size:10.5pt">．文体娱乐用品，包括文具、书籍、球具、棋牌。</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">6.</span>
            <span style="font-family:楷体; font-size:10.5pt">投保人申请且经保险人书面同意承保的其他家庭财产。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.3pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">【家政人员】</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >指按照雇主的要求，以自身的体力或脑力劳动，完成雇主日常家庭生活事务，并收取劳动报酬的人员，包括钟点工、半天工、全天工、全天寄宿工等。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="-aw-bookmark-end:OLE_LINK4"></span>
            <span style="-aw-bookmark-end:OLE_LINK3"></span>
            <span style="font-family:楷体; font-size:10.5pt">【未满期保费】</span>
            <span style="font-family:楷体; font-size:10.5pt">未满期保费</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">=</span>
            <span style="font-family:楷体; font-size:10.5pt">保险费</span>
            <span style="font-family:楷体; font-size:10.5pt"></span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">*</span>
            <span style="font-family:楷体; font-size:10.5pt">（</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">1-</span>
            <span style="font-family:楷体; font-size:10.5pt">保险单已经过天数</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">/</span>
            <span style="font-family:楷体; font-size:10.5pt">保险期间天数），其中保单已经过天数未满一天的按一天计算。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <br style="page-break-before:always; clear:both" />
            <span style="font-family:楷体; font-size:14pt; font-weight:bold">中国平安财产保险股份有限公司</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:14pt; font-weight:bold">平安产品延期保修责任保险条款</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:14pt; font-weight:bold">注册号</span>
            <span
              style="font-family:'Times New Roman'; font-size:14pt; font-weight:bold"
            >:C00001730912019122509381</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">总则</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第一条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >本保险合同由保险条款、投保单、保险单、保险凭证以及批单组成。凡涉及本保险合同的约定，均应采用书面形式。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >凡在中华人民共和国境内依法设立、合法经营的法人单位，均可作为本保险合同的投保人、被保险人。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险责任</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第三条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">在保险期间内，被保险人生产、销售或承诺承担质量保证并于保险单载明的产品（以下简称</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">“</span>
            <span style="font-family:楷体; font-size:10.5pt">被保险产品</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">”</span>
            <span style="font-family:楷体; font-size:10.5pt">），因在</span>
            <span style="font-family:楷体; font-size:10.5pt">延期保修期</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >内发生机械或电气故障所发生的修复或重置该产品的费用，依照中华人民共和国法律（不包括港澳台地区法律）或依照延期保修合同约定应由被保险人承担的经济赔偿责任，保险人根据本保险合同的约定负责赔偿。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第四条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险事故发生后，被保险人因保险事故而被提起仲裁或者诉讼的，对应由被保险人支付的仲裁或诉讼费用以及事先经保险人书面同意支付的其他必要的、合理的法律费用，保险人按照本保险合同约定也负责赔偿。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">责任免除</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第五条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">出现下列任一情形时，保险人不负责赔偿：</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（一）产品生产商已经或正在实施对该产品召回计划或损失补偿计划；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（二）产品身份识别信息、标识被摘取或改动；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（三）发生损失的产品不在保险单载明投保产品清单上。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第六条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >下列原因造成的损失、费用和责任，保险人不负责赔偿：</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（一）对被保险产品进行日常维护、清洁、润滑、调试、对位而导致的产品故障或损坏；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（二）未经被保险人授权对被保险产品进行改动、改装，或未遵循产品生产商的安装、操作、维护说明而导致的产品故障或损坏；未经被保险人授权的修理人员造成的产品故障或损坏；未经被保险人授权进行修理或重置保险范围内的产品，将导致本保险对该产品失效；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（三）未按照产品生产商的要求对被保险产品进行合理维护而引起的故障或缺陷；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（四）任何外在原因、调制解调器、数据传输设备引起的数据接收或传输问题；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（五）产品生产商保修范围以外的问题或缺陷；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（六）任何自然灾害，意外事故，入室盗窃行为，使用者的疏忽、使用不当、误用，他人恶意破坏行为，飞行物体或车辆的碰撞，腐蚀、电池泄漏、停电、电涌、电压或电流不当、动物或虫害；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（七）不影响产品或者产品主机主要功能的正常磨损件，即使其损耗程度超过生产商允许值范围的情况；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（八）电脑病毒、产品调试、软件安装或卸载、千年虫问题；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（九）被保险产品的设计、生产缺陷。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第七条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">下列损失、费用和责任，保险人不负责赔偿：</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（一）被保险产品的外观件、或结构件，包括外壳、箱子或架子、装饰物、产品寿命期内指定需定期更换的部分、辅助件、外部电线或线缆、电池充电器、支架、箱柜、旋钮、把手、天线、遥控器等；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（二）被保险产品在运输过程中造成的任何故障或损坏；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（三）间接损失；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（四）被保险产品因发生非本保险合同责任范围内的故障产生的相关拆装费用；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（五）</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >对被保险产品进行日常维护、清洁、润滑、调试、对位的费用；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（六）本保险合同中载明的免赔额、按免赔率折算的免赔额。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第八条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >其他不属于本保险责任范围内的损失、费用和责任，保险人不负责赔偿。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">赔偿限额与免赔额（率）</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第九条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">赔偿限额包括每次事故</span>
            <span style="font-family:楷体; font-size:10.5pt">赔偿限额</span>
            <span style="font-family:楷体; font-size:10.5pt">和累计赔偿限额，由投保人与保险人协商确定，并在保险合同中载明。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >每次事故免赔额（率）由投保人与保险人在签订保险合同时协商确定，并在保险合同中载明。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险期间</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十一条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">除另有约定外，保险期间为一年，以保险单载明的起讫时间为准。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险人义务</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十二条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >本保险合同成立后，保险人应当及时向投保人签发保险单或其他保险凭证。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十三条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人按照本保险合同的约定，认为被保险人提供的有关索赔的证明和资料不完整的，应当及时一次性通知投保人、被保险人补充提供。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十四条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人收到被保险人的赔偿保险金的请求后，应当及时作出是否属于保险责任的核定；情形复杂的，保险人将在确定是否属于保险责任的基本材料收集齐全后，尽快做出核定。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人应当将核定结果通知被保险人；对属于保险责任的，在与被保险人达成赔偿保险金的协议后十日内，履行赔偿保险金义务。保险合同对赔偿保险金的期限有约定的，保险人应当按照约定履行赔偿保险金的义务。保险人依照前款的规定作出核定后，对不属于保险责任的，应当自作出核定之日起三日内向被保险人发出拒绝赔偿保险金通知书，并说明理由。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十五条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">保险人自收到</span>
            <span style="font-family:楷体; font-size:10.5pt">赔偿</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险金的请求和有关证明、资料之日起六十日内，对其赔偿保险金的数额不能确定的，应当根据已有证明和资料可以确定的数额先予支付；保险人最</span>
            <span style="font-family:楷体; font-size:10.5pt">终确定赔偿的数额后，应当支付相应的差额。</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; text-indent:21pt; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">投保人、被保险人义务</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十六条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >订立保险合同，保险人就保险标的或者被保险人的有关情况提出询问的，投保人应当如实告知。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >投保人故意或者因重大过失未履行前款规定的如实告知义务，足以影响保险人决定是否同意承保或者提高保险费率的，保险人有权解除保险合同。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >前款规定的合同解除权，自保险人知道有解除事由之日起，超过三十日不行使而消灭。自合同成立之日起超过二年的，保险人不得解除合同；发生保险事故的，保险人应当承担赔偿保险金的责任。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >投保人故意不履行如实告知义务的，保险人对于合同解除前发生的保险事故，不承担赔偿保险金的责任，并不退还保险费。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >投保人因重大过失未履行如实告知义务，对保险事故的发生有严重影响的，保险人对于合同解除前发生的保险事故，不承担赔偿保险金的责任，但应当退还保险费。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人在合同订立时已经知道投保人未如实告知的情况的，保险人不得解除合同；发生保险事故的，保险人应当承担赔偿保险金的责任。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十七条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >除另有约定外，投保人应当在保险责任起始日前一次性交清全部保险费，投保人未按约定交纳保险费，保险合同不生效。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >采用分期支付保险费的，投保人应按照本保险合同的约定，按时支付保险费。</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >投保人未按本保险合同支付保费的，保险人可以解除保险合同。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十八条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">被保险人应加强产品管理，采取合理的预防措施，尽力避免或减少责任事故的发生。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人可以对被保险人遵守前款约定的情况进行检查，向投保人、被保险人提出消除不安全因素和隐患的书面建议，投保人、被保险人应该认真付诸实施。</span>
            <span style="font-family:楷体; font-size:10.5pt">但前述检查并不构成保险人对被保险人的任何承诺。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >投保人、被保险人未按照约定履行上述安全义务的，保险人有权要求增加保险费或者解除合同。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十九条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >在保险合同有效期内，保险标的的危险程度显著增加的，被保险人应当及时通知保险人，保险人可以增加保险费或者解除合同。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >被保险人未履行前款约定的通知义务的，因保险标的的危险程度显著增加而发生的保险事故，保险人不承担赔偿保险金的责任。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >合同双方应在投保时共同约定授权修理商。发生本保险合同责任范围内的故障的被保险产品必须在授权修理商处进行修理，否则，保险人有权拒绝赔偿。</span>
            <span style="font-family:楷体; font-size:10.5pt">在保险期间内，合同双方可以协商修改授权修理商名单。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十一条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal"></span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >被保险人应及时向保险人提供可能会对本保险合同有重要影响的信息。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十二条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >被保险人应建立并保留与本保险合同有关事项的记录。</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >在合理的情况下，保险人及其代表有权在工作时间内，以自费形式检查被保险人与本保险有关的记录。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十三条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">延期保修合同</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >中任何可能影响保险人承担的本保险合同责任的变更，须事先征得保险人的书面同意。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十四条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >被保险产品发生责任范围内的损失，并依照本保险合同约定的流程在授权修理商处进行修理或重置后，被保险人应当按照本保险合同的约定，按时向保险人递交修理或重置清单，以及投保人、被保险人所能提供的与确认保险事故的性质、原因、损失程度等有关的其他证明和资料。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >被保险人未履行前款约定的索赔材料提供义务，导致保险人无法核实损失情况的，保险人对无法核实部分不承担赔偿责任。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">赔偿处理</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十五条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">对于每一被保险产品，</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险人</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >承担的最高赔偿金额不超过该被保险产品的实际销售价格。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十六条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >发生保险事故时，如果被保险人的损失在有相同保障的其他保险项下也能够获得赔偿，则本保险人按照本保险合同的赔偿限额与其他保险合同及本保险合同的赔偿限额总和的比例承担赔偿责任。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >其他保险人应承担的赔偿金额，本保险人不负责垫付。若被保险人未如实告知导致保险人多支付赔偿金的，保险人有权向被保险人追回多支付的部分。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十七条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人受理报案、进行现场查勘、核损定价、参与案件诉讼、向被保险人提供建议等行为，均不构成保险人对赔偿责任的承诺。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">争议处理和法律适用</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十八条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >因履行本保险合同发生的争议，由当事人协商解决。协商不成的，提交保险单载明的仲裁机构仲裁；保险单未载明仲裁机构且争议发生后未达成仲裁协议的，依法向中华人民共和国境内（港澳台地区除外）人民法院起诉。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十九条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold"></span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">本保险合同的争议处理适用中华人民共和国法律（不包括港澳台地区法律）。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">其他事项</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第三十条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">投保人和保险人可以协商变更合同内容。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >变更保险合同的，应当由保险人在保险单或者其他保险凭证上批注或附贴批单，或者投保人和保险人订立变更的书面协议。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第三十一条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >投保人可随时书面申请解除本保险合同，本保险合同自保险人收到投保人的书面申请之日的二十四时起终止。保险责任开始前，</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">投保人要求解除合同的，保险人扣除</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">3%</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">手续费后，剩余部分的保险费退还投保人</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >；保险责任开始后，投保人要求解除合同的，对保险责任开始之日起至合同解除之日止期间的保险费，</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">按日比例计收</span>
            <span style="font-family:楷体; font-size:10.5pt">，剩余部分退还投保人。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险人亦可解除本保险合同。</span>
            <span style="font-family:楷体; font-size:10.5pt">保险责任开始前，保险人要求解除合同的，</span>
            <span style="font-family:楷体; font-size:10.5pt">不得向投保人收取手续费并应退还已收取的保险费；</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险责任开始后，保险人可</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >提前十五天通知投保人解除合同，对保险责任开始之日起至合同解除之日止期间的保险费，按日比例计收</span>
            <span style="font-family:楷体; font-size:10.5pt">，剩余部分退还投保人。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >本保险合同解除或终止后，保险人对被保险人在本保险合同终止日前申报的所有产品继续承担保险责任，直至该产品的延期保修期到期为止。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第三十二条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">自本保险合同被解除或者终止之日起：</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（一）保险人无义务或责任承保本保险合同解除或终止之日后新销售的被保险产品的延期保修合同，</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >除非所承保的产品在本保险合同解除或者终止之日前已经销售完毕，并且产品使用人已与被保险人签订了延期保修合同。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（二）除非保险人书面同意，被保险人有义务继续按本保险合同的规定履行合同终止之前销售完毕的</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">延期保修合同</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">项下的义务，</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">也享有销售完毕的延期保修合同项下的权利，</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">直到</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">延期保修合同</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">到期或者以其他方式终止。</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">合同双方继续负责处理该</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">延期保修合同</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >项下的索赔，直至对该索赔案件完成赔付或者合同双方以其他方式解决为止。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">释义</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">【产品】指</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >被保险人生产或销售的全新的产品，并符合中华人民共和国产品出厂质量合格要求，在购买时应具备原始的和完整的在中国境内有效的购货发票和生产商保修凭证。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >【延期保修期】指在保单中约定的自生产商保修期的终止之日起算的约定期限。生产商保修期指产品生产商依法对被保险产品的整机提供的保修。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-indent:21pt; widows:0">
            <span
              style="font-family:楷体; font-size:10.5pt"
            >【机械或电气故障】指产品某一部件由于除自然磨损、正常退化或疏忽以外的任何原因，不能正常使用，或功能的突然丧失。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-indent:21pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt">【延期保修合同】</span>
            <span
              style="color:#333333; font-family:楷体; font-size:10.5pt"
            >指消费者购买的产品，在制造商提供的保质期和服务范围之外，由延保提供商提供延长保修时间、或者延展产品服务范围、或者衍生服务的有偿服务的合同。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">【销售价格】指购货发票上载明的销售金额。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >【授权修理商】保险人指定的并随时书面通知给产品购买者或所有者的修理商。</span>
          </p>
          <p style="margin:0pt">
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:14pt; font-weight:bold">中国平安财产保险股份有限公司</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:14pt; font-weight:bold">平安家政服务雇佣人员责任保险</span>
            <span style="font-family:楷体; font-size:14pt; font-weight:bold">条款</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">注册号：</span>
            <span
              style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold"
            >C00001730912019122716751</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; text-indent:21pt; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; text-indent:21pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">总则</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第一条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >本保险合同由保险条款、投保单、保险单、保险凭证以及批单等组成。凡涉及本保险合同的约定，均应采用书面形式。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">本保险合同的投保人应为具有完全民事行为能力的自然人。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第三条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">中华人民共和国境内（不含港澳台地区）雇用家政人员的雇主</span>
            <span style="font-family:楷体; font-size:10.5pt">均可作为本保险合同的被保险人。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >但雇用下列人员作为家政人员的雇主，不能投保本保险：</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（一）直系亲属；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（二）非家政服务行业全日制工</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（三）年龄在</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">16</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">周岁（含）以下或满</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">70</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">周岁（含）以上的人员。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; text-indent:21pt; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; text-indent:21pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险责任</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第四条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">保险期间内，被保险人</span>
            <span style="font-family:楷体; font-size:10.5pt">雇用的家政人员在雇佣期间</span>
            <span style="font-family:楷体; font-size:10.5pt">向</span>
            <span style="font-family:楷体; font-size:10.5pt">被保险人提供家政服务的过程中遭受意外伤害事故</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >，依照中华人民共和国法律（不包括港澳台地区法律）应由被保险人或其家庭成员承担的经济赔偿责任，保险人按照本保险合同约定负责赔偿。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第五条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险事故发生后，被保险人因保险事故而被提起仲裁或者诉讼的，对应由被保险人支付的仲裁或诉讼费用以及事先经保险人书面同意支付的其它必要的、合理的费用，保险人按照本保险合同约定也负责赔偿。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; text-indent:21pt; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">责任免除</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第六条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >下列原因造成的损失、费用和责任，保险人不负责赔偿：</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（一）投保人、被保险人或其家庭成员及其所雇用的家政人员的故意行为或重大过失；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（二）行政行为或司法行为；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（三）</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">自然灾害及其次生灾害。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第七条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">下</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">列损失、费用和责任，</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险人</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">不负责赔偿：</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（一）被保险人应该承担的合同责任；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（二）罚款、罚金及惩罚性赔偿；</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold"></span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">（三）精神损害赔偿；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（四）投保人或被保险人在投保前已经知道或可以合理预见的索赔；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >（五）被保险人所雇用的家政人员在非雇佣期间、或中华人民共和国境外（含港澳台地区）发生意外事故导致的经济赔偿责任。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; text-indent:21pt; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险金额和</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">免赔额（率）</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-indent:21pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第八条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold"></span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >本保险合同的保险金额和免赔额（率）由投保人与保险人协商确定，并在保险单中载明。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; text-indent:21pt; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; text-indent:21pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险期间</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第九条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">本保险合同保险期间由投保人与保险人协商确定，以保险单载明的起讫时间为准。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt 42pt; orphans:0; text-indent:141.65pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险人义务</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">本保险合同成立后，保险人应当及时向投保人签发保险单或其他保险凭证。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十一条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人按照本保险合同的约定，认为被保险人提供的有关索赔的证明和资料不完整的，应当及时一次性通知投保人、被保险人补充提供。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十二条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人收到被保险人的赔偿保险金的请求后，应当及时作出是否属于保险责任的核定；情形复杂的，保险人将在确定是否属于保险责任的基本材料收集齐全后，尽快做</span>
            <span style="font-family:楷体; font-size:10.5pt">出核定。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人应当将核定结果通知被保险人；对属于保险责任的，在与被保险人达成赔偿保险金的协议后十日内，履行赔偿保险金义务。保险合同对赔偿保险金的期限有约定的，保险人应当按照约定履行赔偿保险金的义务。保险人依照前款约定作出核定后，对不属于保险责任的，应当自作出核定之日起三日内向被保险人发出拒绝赔偿保险金通知书，并说明理由。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十三条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >保险人自收到赔偿保险金的请求和有关证明、资料之日起六十日内，对其赔偿的数额不能确定的，应当根据已有证明和资料可以确定的数额先予支付；保险人最终确定赔偿的数额后，应当支付相应的差额。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十四条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold"></span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >投保人符合保险法规定的退还保险费相关要求的，保险人应当按照保险法相关规定退还未满期保费。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:162.75pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">投保人、被保险人义务</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十五条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">除另有约定外，投保人应当在保险合同成立时缴清保险费。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:20.6pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十六条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >订立保险合同，保险人就被保险人及其所雇佣的家政人员的有关情况提出询问的，投保人应当如实告知。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >投保人故意或者因重大过失未履行前款规定的义务，足以影响保险人决定是否同意承保或者提高保险费率的，保险人有权解除本保险合同。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >投保人故意不履行如实告知义务的，保险人对于合同解除前发生的保险事故，不承担赔偿保险金责任，并不退还保险费。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:20.6pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >投保人因重大过失未履行如实告知义务，对保险事故的发生有严重影响的，保险人对于合同解除前发生的保险事故，不承担赔偿保险金责任，但应当退还保险费。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:20.6pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >保险人在合同订立时已经知道投保人未如实告知的情况的，保险人不得解除合同；发生保险事故的，保险人应当承担赔偿保险金责任。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十七条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >投保人住所或通讯地址变更时，应及时以书面形式通知保险人。投保人未通知的，保险人按本保险合同所载的最后住所或通讯地址发送的有关通知，均视为已发送给投保人。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十八条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >投保人、被保险人或者保险金受益人知道保险事故发生后，应当及时报案并通知保险人。</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >故意或者因重大过失未及时通知，致使保险事故的性质、原因、损失程度等难以确定的，保险人对无法确定的部分，不承担赔偿保险金责任</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >，但保险人通过其他途径已经及时知道或者应当及时知道保险事故发生的除外。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-indent:21.1pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第十九条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >被保险人应严格遵守国家及政府有关部门的相应法律、法规和规定，注意家政服务工作的安全，采取合理的防御措施，尽量避免和减少责任事故的发生。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >被保险人未按照约定履行上述义务的，保险人有权要求增加保险费或者解除合同。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; text-indent:21pt; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">赔偿处理</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-indent:21.1pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >发生保险事故后，被保险人需尽快向保险人报案，并提供以下资料：</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-indent:21.1pt; widows:0">
            <a name="OLE_LINK25"></a>
            <a name="OLE_LINK28">
              <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">（一）保单号；</span>
            </a>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-indent:21.1pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">（二）索赔申请书；</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-indent:21pt; widows:0">
            <span style="-aw-bookmark-end:OLE_LINK25"></span>
            <span style="-aw-bookmark-end:OLE_LINK28"></span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >（三）被保险人、其所雇用的家政人员的身份证明及雇佣关系证明；</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-indent:21pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">（</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">四</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >）家政人员向被保险人提出索赔的相关证明材料；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（</span>
            <span style="font-family:楷体; font-size:10.5pt">五</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >）被保险人与家政人员所签订的赔偿协议书或和解书；经判决或仲裁的，应提供判决文书或仲裁裁决文书；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >（六）涉及医疗费用的，应提供医疗证明和医疗费用凭证；涉及伤残的，应提供二级以上（含二级）医院或保险人认可的医疗机构或司法鉴定机构出具的伤残鉴定诊断书；涉及死亡的，应提供公安机关、二级以上（含二级）医院或保险人认可的医疗机构出具的死亡证明书；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（七）</span>
            <span style="font-family:楷体; font-size:10.5pt">被保险人所能提供的与确认保险事故的性质、原因、伤害程度等有关的其他证明和资料。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >被保险人未履行前款约定的索赔材料提供义务，导致保险人无法核实损失情况的，保险人对无法核实部分不承担赔偿责任。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十一条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">发生保险事故后，被保险人承担的经济赔偿责任以下列方式之一确定：</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（一）被保险人和向其提出损害赔偿请求的家政人员协商并经保险人确认；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（二）仲裁机构裁决；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（三）人民法院判决；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（四）经保险人认可的其它方式。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十二条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >被保险人未向家政人员赔偿的，保险人不负责向该被保险人赔偿保险金。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十三条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >发生保险事故，应由有关责任方负责赔偿的，保险人自向被保险人赔偿保险金之日起，在赔偿金额范围内代位行使被保险人对有关责任方请求赔偿的权利，被保险人应当向保险人提供必要的文件和所知道的有关情况。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >被保险人已经从有关责任方取得赔偿的，保险人赔偿保险金时，</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">相应扣减被保险人已从有关责任方取得的赔偿金额。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; text-indent:21pt">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十四条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">保险事故发生后，保险人未赔偿保险金之前，</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >被保险人放弃对第三者的请求赔偿的权利的，保险人不承担赔偿保险金的责任。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; text-indent:21pt">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">保险人向被保险人赔偿保险金后，</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >被保险人未经保险人同意放弃对第三者请求赔偿的权利的，该行为无效。</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold"></span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; text-indent:21pt">
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:normal"
            >由于被保险人的过错致使保险人不能行使代位请求赔偿的权利的，</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险人可以相应扣减保险赔偿金。</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold"></span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十五条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">保险人受理报案、</span>
            <span style="font-family:楷体; font-size:10.5pt">进行现场查勘</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >、核损定价、参与案件诉讼、向被保险人提供建议等行为，均不构成保险人对赔偿责任的承诺。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; text-indent:21pt; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; text-indent:21pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">争议处理和法律适用</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十六条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >因履行本保险合同发生的争议，由当事人协商解决。协商不成的，提交保险单载明的仲裁机构仲裁；保险单未载明仲裁机构或者争议发生后未达成仲裁协议的，依法向人民法院起诉。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十七条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >与本保险合同有关的以及履行本保险合同产生的一切争议处理适用中华人民共和国法律（不包括港澳台地区法律）。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; text-indent:21pt; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; text-indent:21pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">其他事项</span>
            <a name="OLE_LINK27"></a>
            <a name="OLE_LINK26"></a>
          </p>
          <p style="margin:6pt 0pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0">
            <span style="-aw-bookmark-end:OLE_LINK27"></span>
            <span style="-aw-bookmark-end:OLE_LINK26"></span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十八条</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >保险金申请人向保险人请求保险金的诉讼时效，按照有关法律规定执行，自其知道或者应当知道保险事故之日起计算。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二十九条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">投保人和保险人可以协商变更合同内容。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >变更保险合同的，应当由保险人在保险单或者其他保险凭证上批注或附贴批单，或者投保人和保险人订立变更的书面协议。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第三十条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">在本保险合同成立后，投保人可以书面形式通知保险人解除合同，</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">但保险人已根据本保险合同约定赔偿保险金的除外</span>
            <span style="font-family:楷体; font-size:10.5pt">。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">投保人解除本保险合同时，应提供下列证明文件和资料：</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（一）保险合同解除申请书；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（二）保单号，如有保险单原件需提供保险单原件；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（三）保险费交付凭证；</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">（四）投保人身份证明。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt; font-weight:bold"
            >投保人要求解除本保险合同，自保险人接到保险合同解除申请书之时起，本保险合同的效力终止。保险人收到上述证明文件和资料之日起三十日内退还保险单的未满期保费。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; text-indent:21pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">释义</span>
            <a name="OLE_LINK8"></a>
            <a name="OLE_LINK7"></a>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第三十一条</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span
              style="font-family:楷体; font-size:10.5pt"
            >【家政人员】指按照雇主的要求，以自身的体力或脑力劳动，完成雇主日常家庭生活事务，并收取劳动报酬的人员，包括钟点工、半天工、全天工、全天寄宿工等。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="-aw-bookmark-end:OLE_LINK8"></span>
            <span style="-aw-bookmark-end:OLE_LINK7"></span>
            <span style="font-family:楷体; font-size:10.5pt">【家庭成员】</span>
            <span style="font-family:楷体; font-size:10.5pt"></span>
            <span style="font-family:楷体; font-size:10.5pt">指与被保险人存在法律上的亲属关系并居住在一起的成员。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt">【雇佣期间】</span>
            <span style="font-family:楷体; font-size:10.5pt"></span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >指自雇主与家政人员约定的家政人员从事家政服务工作的时间起，至雇主与家政人员约定的家政人员结束家政服务工作的时间止。</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:20.7pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">【未满期保费】未满期保费＝保险费</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:normal">×[1</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">－（保险单已经过天数</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:normal">/</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">保险期间天数）</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt; font-weight:normal">]</span>
            <span style="font-family:楷体; font-size:10.5pt; font-weight:normal">。经过天数不足一天的按一天计算。</span>
          </p>
          <p style="margin:0pt">
            <br style="page-break-before:always; clear:both" />
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21pt; widows:0"
          >
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:14pt; font-weight:bold">中国平安财产保</span>
            <span style="font-family:楷体; font-size:14pt; font-weight:bold">险股份有限公司</span>
          </p>
          <p style="margin:0pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:14pt; font-weight:bold">平安责任保险附加法律费用保险条款</span>
          </p>
          <p style="margin:0pt; text-align:center">
            <span style="font-family:楷体; font-size:14pt; font-weight:bold">注册号为</span>
            <span
              style="font-family:'Times New Roman'; font-size:14pt; font-weight:bold"
            >:C00001730922018082311521</span>
          </p>
          <p style="margin:0pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:'Times New Roman'; font-size:14pt; font-weight:bold">&nbsp;</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">总则</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-indent:21.1pt; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第一条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span style="font-family:楷体; font-size:10.5pt">本附加保险合同须附加于责任保险合同（以下简称</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">“</span>
            <span style="font-family:楷体; font-size:10.5pt">主保险合同</span>
            <span style="font-family:'Times New Roman'; font-size:10.5pt">”</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >）。主保险合同所附条款、投保单、保险单、保险凭证以及批单等，凡与本附加保险合同相关者，均为本附加保险合同的构成部分。凡涉及本附加保险合同的约定，均应采用书面形式。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-indent:21pt; widows:0">
            <span
              style="font-family:楷体; font-size:10.5pt"
            >若主保险合同与本附加保险合同的条款互有冲突，则以本附加保险合同的条款为准。本附加保险合同未尽事宜，以主保险合同的条款规定为准。</span>
          </p>
          <p style="margin:0pt 0pt 7.8pt; orphans:0; text-align:center; widows:0">
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">保险责任</span>
          </p>
          <p
            style="margin:0pt 0pt 7.8pt; orphans:0; text-align:justify; text-indent:21.1pt; widows:0"
          >
            <span style="font-family:楷体; font-size:10.5pt; font-weight:bold">第二条</span>
            <span style="font-family:楷体; font-size:10.5pt">&nbsp;</span>
            <span
              style="font-family:楷体; font-size:10.5pt"
            >在保险期间内，发生可能引起本保险合同项下赔偿的情形时，被保险人被提起诉讼或仲裁，事先经保险人书面同意支付的合理的、必要的诉讼费、鉴定费、取证费、案件受理费、评估费、公证费、律师费、仲裁费及其他相关费用等，依照约定负责赔偿。</span>
          </p>
          <p style="margin:0pt; orphans:0; text-align:justify; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt; orphans:0; text-align:justify; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
          <p style="margin:0pt; orphans:0; text-align:justify; widows:0">
            <span style="font-family:'Times New Roman'; font-size:10.5pt">&nbsp;</span>
          </p>
        </div>
      </div>
    </div>
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