FAQS

Accident Insurance of CFLD Beijing Marathon 2018

1. Insurance Period:

September 13 to 16 (Thursday to Sunday), 2018

2. Insurance Coverage:

Accidental injuries or sudden acute diseases that the Insured (subject to the List of the Insured provided by the Organizing Committee) suffers during the marathon, occurring within the Insurance Period.

3. Insurance Liability

Within the validity period of this insurance, the Company shall undertake the following liabilities for the Insured who suffers an accidental injury or acute disease during the marathon:

(1) Accidental death and disability benefit:

1) Benefits for accidental injury and death

If the Insured suffers an accidental injury during the marathon, which directly causes the death of the Insured within 180 days after the occurrence of such accidental injury, the Company shall pay accidental death compensation based on the amount Insured for accidental injury on the insurance certificate of this Contract. Thereafter, the insurance liability to the Insured under this Contract shall terminate.

2) Benefit for accidental disability

If the Insured suffers an accidental injury during the marathon, which directly causes the disability (included in China Insurance Disability Standard and Code) of the Insured within 180 days after the occurrence of such accident, the Company shall pay disability benefits by multiplying the payment proportion set out in table by the amount Insured for accidental injury on insurance certificate of this Contract. In case that treatment is not completed within 180 days after the occurrence of such accidental injury, the disability assessment shall be subject to the physical condition of the Insured on the 180th day since the occurrence of accident, and benefits for accidental disability shall also be paid accordingly.

If the disability is caused by such accidental injury before the occurrence of combined accident (including accidents prior to the conclusion of this Contract), the Insured may receive the accidental disability benefit for more severe item, and the Company shall pay the benefit according to the more severe item provided that the benefits for the accidental disability caused prior to the occurrence of this accident (including disability caused before the conclusion of this Contract) shall be deemed to have been paid, and such part of paid benefits shall be deducted.

If this accidental injury directly leads to the disability and death of the Insured within 30 days after the occurrence of such accidental injury, the Company shall not pay the accidental disability benefit.

Total benefit for accidental disability paid by the Company to the Insured shall be limited to the amount of the Insured’s accidental disability insurance.

Accidental injury refers to the physical injury directly caused by external, sudden, unintentional and non-pathological objective events.

(2) Benefit for death from acute disease

Benefit for death from acute disease: if the Insured suddenly dies while running the marathon, the Company shall pay the insurance benefit for death from acute disease based on the amount insured for death from acute disease on the insurance certificate of this Contract. Thereafter, the insurance liability to the Insured under this Contract shall terminate.

Sudden death refers to the sudden and non-violent death of a seemingly healthy people within 24 hours of the onset of symptoms due to potential disease, dysfunction or other reason. Identification of sudden death shall be subject to legal documents of judiciary authorities or medical certificate of medical institutions (if any).

3) Medical insurance benefit for accident and acute disease

If the Insured suffers accidental injury or sudden acute disease during the marathon and is treated at hospital due to such accidental injury or sudden acute disease within 5 days after the occurrence of accidental injury or sudden acute disease, the Company shall undertake medical fees in accordance with the following agreements:

1) For the medical expenses incurred by the Insured for receiving treatment in a second-class or above hospital (including the second-class hospital) in China and included in the scope of reimbursement determined by local competent authority of social medical insurance, the Company shall pay 100% of medical insurance benefit within the scope of medical insurance amount.

2) If the treatment of the Insured is not completed when the insurance policy matures, the term for payment of insurance benefit by the Company can be extended in accordance with the following circumstances: the maximum extension for outpatient shall be 15 days, starting from the day following the maturity of this insurance; the maximum extension for inpatient shall be 90 days, starting from the day following the maturity of this insurance and ending on the day of leaving hospital.

3) If the medical fees of the Insured have been reimbursed by any other means (including any commercial insurance institution, such as social medical insurance institutions, employers and the Company), the insurance benefits paid by the Company shall be limited to the residual part of medical expenses within the agreed scope that fail to be compensated.

4) Within the validity period of this Contract, no matter how many times the Insured generates the medical expenses as agreed in this Contract during the marathon, once or more, the Company shall respectively pay the medical insurance benefit according to this Article, but the total medical insurance benefit paid to same Insured shall not exceed the medical insurance amount on the insurance certificate.

4. Exclusion of Liability

If the Insured suffers the death, disability and payment of medical expenses due to one of the following circumstances, the Company shall not be liable for the payment of insurance benefits:

(1) The Applicant intentionally kills or hurts the Insured;

(2) The Insured hurts himself or commits crime on purpose, leads to fighting or being attacked due to his intentional behavior, resists the criminal coercive measure taken according to law or commit suicide (unless the Insured is without the capacity for civil conduct at the time of suicide);

(3) The Insured gets drunk, intentionally takes or injects drug;

(4) The Insured drives when intoxicated, drives without a legal and valid driving license or drives the vehicle without valid registration certificate;

(5) The Insured suffers from injury due to pregnancy (including exfetation), abortion, parturition (including cesarean) and drug allergy;

(6) The Insured suffers from mental disease, schizophrenia and receives the cosmetic surgery;

(7) The Insured suffers from medical accident due to dental rehabilitation and orthodontics, cosmetic surgery or other surgeries;

(8) The Insured fails to use medicine according to doctors’ advice, but excluding the OTC drugs used in accordance with the directions;

(9) Infection caused by pathogenic microorganisms or parasites including bacteria and virus, but excluding the wound infection arising from accidental injury;

(10) The Insured participates in high-risk sports including diving, skydiving, rock climbing, gliding or paragliding, exploration, wrestling, martial arts competition, stunts, horse racing and auto racing, without the approval of the Company;

(11) The Insured engages in or participates in terrorist activities or cult activities;

(12) War, military conflict, riot or armed rebellion;

(13) Nuclear explosion, radiation or pollution;

(14) Past illness that the Insured suffers before the effective date of the insurance;

(15) The period during which the Insured is sent abroad as a service worker;

(16) Medical expenses incurred by the Insured arising from vertebral diseases including lumbar spondylosis and cervical spondylosis.

5. Insurance Amount

Athletes participating in the marathon and relative staff: the amount of accidental injury and death insurance is RMB 200,000 (RMB 100,000 for juveniles); the amount of accidental disability insurance is RMB 200,000 (RMB 100,000 for juveniles); the amount insured for death from acute disease is RMB 500,000; the amount insured for accident and acute disease medical insurance is RMB 100,000

Notes to Ping An Group Accidental Injury Insurance of Marathon: Juveniles refer to the Insured under the age of 18 when insurance policy comes into effect.

6. Premium:

This insurance shall be purchased by The Organization Committee for all the Insureds and shall be accepted by Ping An Insurance (Group) Company of China, Ltd., the sole insurance partner designated by “Beijing Marathon 2018-2020”. Athletes and relative staff entitled to be insured shall not bear the premium.

7. Application for Insurance:

Materials required for applying for insurance benefits

Items

Required documents

1. Original insurance contract

2. Claim form

3. Clinic medical record and emergency record

4. Medical record and discharge summary

5. Certificate of diagnosis

6. Original receipt and detailed list of medical expenses

7. Accident certificate

8. Identification report

9. Death certification

10. Certificate of burial

11. Proof materials of cancellation of household registration

12. Written judgment for declaring death

13. Identification of the Insured (if the person has no capacity for civil conduct, the guardian's identity certificate and guardianship certificate shall be provided)

14. Identity certificate of the deceased beneficiary and certificate of relationship with the Insured

15. Copy of bank card (or first page of bankbook)

16. Confirmation form of deceased beneficiary

Note: (7) shall be provided in case of an accident

Accident or acute disease medical insurance (outpatient service)

1, 2, 3, 5, 6, 7, 13, 15

Accident or acute disease medical insurance (inpatient service)

1, 2, 3, 4, 5, 6, 7, 13, 15

 

 

Accidental injury or death from acute disease insurance

 

 

 

 

1, 2, 7, 9, 10, 11, 14, 15, 16

Accidental injury and disability insurance

 

1, 2, 3, 4, 5, 7, 8, 13, 15

 

Note: If the single proof of above options is not enough to prove relative facts, the Company may require the Insured to provide more relevant claim application documents, to better protect the right and interest of the Insured. If the beneficiary entrusts others to handle relevant matters, Power of Attorney for Claim Settlement with the signature of the beneficiary shall be provided and identity cards of trustee and client shall be attached.

8. Contact Information of the Insurer

Emergency telephone: 95511

Official website: http://property.pingan.com/ 

Insurance company: Beijing Branch of Ping An Property & Casualty Insurance Company of China, Ltd.


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Host:Chinese Athletic Association Beijing Municipal Bureau of Sports Co- Host:China Central Television (CCTV)
Organizer:China Olympic Road Running Co., Ltd. Beijing Sports Competition Administration Center

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