人身意外傷害險(xiǎn) 英語(yǔ)翻譯

./PIONEERINSURANCECOMPANYLIMITEDCaringforyou,forever……..HeadOffice:Symphony〔5thFloor,Plot#SE<F>9,Road#142,SouthAvenue,Gulshan-1,Dhaka-1212.PERSONALACCIDENTPOLICYWhereastheInsurednamedintheScheduleofthisPolicybyProposalanddeclarationwhichshallbethebasisofthiscontractandisdeemedtobeincorporatedhereinhasappliedtoPIONEERINSURANCECO.,LTD.〔hereinaftercalled"theCompany"fortheInsurancehereinaftercontainedandhaspaidoragreedtopaytheFirstpremiumstatedintheScheduleasconsiderationforsuchinsurance.NowthisPolicywithnesseththatifatanytimeduringanyperiodofinsuranceanyoftheinsuredPersonsnamedintheScheduleshallsustainanybodilyinjurycausedbyaccidental,violent,externalandvisiblemeanswhichinjuryshallsolelyandindependentlyofanyothercauseresultindeathordisablementasdefinedintheScheduleofBenefitsthensubjecttothetermsProvisions,exceptionsandconditionscontainedhereinorendorsedhereon,theCompanywillpaytotheInsuredorintheeventofhisdeathtohislegalpersonalrepresentativescompensationasprovidedintheScheduleofBenefits.Providedalwaysthat1.Death,lossorpermanentdisablementtakesplacewithintwelvecalendarmonthsoftheoccurrenceoftheinjury.<a>CompensationshallnotbepayableundermorethanoneoftheitemsoftheScheduleofCompensationinrespectofconsequencesofthesameaccident<exceptforanycompensationpayablehereunderinrespectoftemporarypartialdisablementprecedingorfollowingtemporarytotaldisablement>.<b>Noweeklycompensationshallbecomepayableuntilthetotalamounthereofhasbeenascertainedandagreed.If,nevertheless,paymentbemadeforweeklycompensation,theamountsopaidshallbedeductedfromanylumpsumbecomingclaimableinrespectofthesameaccidentofillness.2.ThetotalsumpayableunderthispolicyinrespectofanyoneormoreclaimsshallnotexceedinallinanyoneperiodofinsurancethelargestsuminsuredunderanyoneoftheitemscontainedintheScheduleofCompensationoraddedtothispolicybyendorsement.DefinitionsInthispolicy-1."BODILYINJURY"meansbodilyinjurywhich<a>issustainedbytheAssuredduringtheperiodofthispolicy.<b>iscausedbyanaccident,and<c>solelyandindependentlyofanyothercauseexceptillnessdirectlyresultingfrom,ormedicalorsurgicaltreatmentrenderednecessarybysuchinjury,occasionsthedeathordisablementoftheAssuredwithintwelvecalendarmonthsfromthedateoftheaccidentbywhichsuchinjuryiscaused.2."ACCIDENT"includesexposureresultingfromamishaptoanaircrafttoorvesselinwhichAssuredistravelling.3."ILLNESS"meansillnessoftheAssuredwhichdeclaresitselfduringtheperiodofthePolicyandoccasionsthetotaldisablementoftheAssuredwithintwelvecalendarmonthsafterdeclaringitself.4."TOTALDISABLEMENT"meansdisablements,whichentirelypreventstheAssuredfromattendingtohisbusinessoroccupation<ofanyandeverykind>ofifhehasnobusinessoroccupationfromattendingtohisusualduties.5."PARTIALDISABLEMENT"meansdisablementswhichpreventstheAssuredfromattendingtoasubstantialpartofhisusualduties,businessoroccupationifhehasnobusinessoroccupationfromattendingtohisusualduties.6."PERMANENT"meanslastingtwelvecalendarmonthsandattheexpiryofthatperiodbeingbeyondhopeofimprovement.7."LOSSOFLIMB"meanslossofphysicalseparationofahandatorabovethewristorofafootatorabovetheankle.8."AIRTRAVEL"meansbeinginoronorboardingaconventionalaircraftforthepurposeofflyingthereinoralightingtherefromfollowingaflight.EXCEPTIONSThecompanyshallnotbeliableunderthisPolicyfordeathordisablementdirectlyorindirectlycausedbyarisingorresultingfromortraceableto1.consequentonwar,invasionorcivilwar.2.DirectlyorindirectlyconsequentontheAssuredengagingairtravel,exceptasapassengerinanypropertylicensedconventionalaircraftbeingoperatedbyalicensedairlineinaccordancewithpublishedSchedulesofflights,ortimetablesorinaproperlylicensedmulti-engineaircraftbeingoperatedbyanylicensedAirLine.3.Resultingfromsuicideorattemptedsuicideorintentionalselfinjuryorvenerealdiseaseorfromdeliberateexposuretoexceptionaldanger<exceptinanattempttosavehumanlife>,orfromtheAssuredsowncriminalactorsustainedwhilst,theAssuredisinstateofinsanity.4.Childbirthorpregnancyinthecaseofwomen5.Biggameorotherformsofhunting,polo,steeplechasing,motorcycling<whetherasdriverorpassenger>,mountaineering,wintersports<onsnoworice>,racingofanykind<exceptathletics>ortheuseofacircularsaworwoodworkingmachinery.CONDITIONS1.ThisPolicyandtheSchedulesshallbereadtogetherasonecontractandanywordorexpressiontowhichaspecificmeaninghasbeenattachedinanypartofthePolicyortheScheduleshallbearsuchspecificmeaningwhereveritmayappear.2.IntheeventofanyaccidentordisablementbydiseaseherebyinsuredagainsthappeningtoanInsuredpersonnoticethereofinwritingshallbegiventotheCompanywithinfourteendaysoftheoccurrenceoftheaccidentorthecommencementofthedisease.TheInsuredorhislegalpersonalrepresentativesshall,athisortheirownexpense,forwardtotheCompany,withinthespaceofsevendaysafterthedemand,awrittenreportfromamedicalattendant,whoshallbedulyqualifiedandregisteredmedicalpractitioner,approvedbytheCompany,ofthefactsofthecaseandthenatureandextentoftheinjuriesreceivedorofthedisease,andgenerallyallsuchinformationinsupportoftheclaimastheCompanyshallreasonablyrequireandincaseoflosssightoramputationoccurringmorethanfourteendaysaftertheaccident,noticeasaforesaidmustbegivenwithinonecalendarmonthofsuchlossofsightoramputation.Inthecaseofclaimofdeathloss,orpermanentdisablementunlessotherwisestatedallsumspayablehereundershallbepayablewithinonecalendarmonthafter.SuchpersonalinjuryandthecauseandresultthereofshallhavebeenprovedtothesatisfactionoftheCompanyandsuchinformationasisrequiredbytheConditionsofthisPolicyshallhavebeenfurnished,andinthecaseofclaimfortemporarydisablement,onlyupontheterminationofdisablement.NosumpayableunderthisPolicyshallcarryinterest,andtheCompanyshallceasetobeliableforanysuchsumunlessclaimedwithinoneyearafterithasbecomedue.3.IfrequiredbytheCompany,theMedical,SurgicalorotherAgentoftheCompanyshallincaseofanyaccidenttoanInsuredoranydisease,beadmittedatallreasonabletimetoseeandexaminethenatureoftheinjurysustainedbytheInsuredandofthediseasewhilsttheInsuredPersonissufferingfromtheeffectsofthesame.4.TheInsuredshall,ontenderinganypremiumfortherenewalofthispolicygivenoticeinwritingtotheCompanyofanydisease,physicaldefectorinfirmitywithwhichanInsuredpersonhasbecomeaffectedsincethepaymentofthenextprecedingpremium.5.ifanInsuredpersonshallchangehisoccupationfororengageinonemorehazardousthanthatstatedintheschedule,theInsuredshallgiveimmediatenoticetotheCompanyandpaysuchextrapremiumasmayberequiredinrespectofsuchgreaterriskiftheCompanyshallelecttoacceptthesamewhichtheyshallbeundernoobligationtodo.6.AnycircumstancesinrelationtotheconditioncomingtotheknowledgeofanylocalagentorManager,shallnotbeofnoticetoorbeheldtobind,orprejudiciallyaffecttheCompany,notwithstandingthesubsequentacceptanceofanypremium,norwillthecompanybeboundbyanyreceipt,exceptitbeonitsprintedofficeformforthetimebeing.7.TheCompanymayatanytime,notwithstandingtheprovisionforCumulativeBonus,bynoticeinwritingdeterminethispolicy.ProvidedthattheCompanyshallinthatcasereturntotheInsuredtheThenlastpremiumpaidbyhimlessapro-ratapartthereoffortheportionofthecurrentinsuranceperiodwhichshallhaveexpired.SuchnoticeshallbedeemedsufficientlygivenifpostedandaddressedtotheInsuredatthewithinmentionedaddress,oratanylateraddress,ofwhichnoticeinwritingshallhavebeengiventothecompanyandshallbedeemedtohavebeenreceivedbyhimatthetimewhenthesamewouldbedeliveredintheordinarycourseofpost.8.ThispolicyisnotrenewablebeyondtheperiodofinsuranceendingintheyearstatedintheScheduleexceptonsuchtermsandcondition,asmaybeagreeduponbetweentheCompanyandtheInsured.9.TheCompanyshallnotbeboundtonoticeorbeaffectedbyanynoticeoftheanytrust,chargeoralienationrelatingtohispolicy,butthereceiptoftheInsured,orhislegalpersonalrepresentativesshallinanycaseeffectuallydischargeoftheCompany.10.AllnoticesrequiredtobegivenbytheInsuredshallbegiventotheCompanyattheHeadOffice,atoneofitsBranchOfficeoratOfficesofitsAuthorizedAgents.11.Ifanydifferenceshallariseastotheamounttobepaidunderthispolicy<liabilitybeingotherwiseadmitted>suchdifferenceshallbereferredtoanArbitratortobeappointedbythepartiesinaccordancewiththestatutoryprovisionsinthatbehalfforthetimebeinginforce.WhereanydifferenceisbythisconditiontobereferredtoarbitrationbemakingforanAwardshallbeconditionprecedenttoanyrightofactionagainsttheCompany.ThispolicyandtheInsuranceherebymadeshallbesubjecttotheseveralconditions,restrictions,stipulationsandnoticesendorsedhereoninlikemannerasifthesamewererespectivelyrepeatedandincorporatedherein,andsuchconditionsissofarastheyprovideforanythingtobedonebytheInsuredaretobedeemedconditionsprecedenttotherightoftheInsuredtosueorrecoverHereunder.NOITCETOTHEINSUREDNoalterationinthetermsofthispolicyandnoendorsementhereonoradditionheretowillbeheldvalidunlessthesameissignedorinitialedbyanauthorizedofficialoftheCompany.先鋒保險(xiǎn)對(duì)您關(guān)愛(ài),直至永遠(yuǎn)……公司總部地址：Symphony〔5thFloor,Plot#SE<F>9,Road#142,SouthAvenue,Gulshan-1,Dhaka-1212.人身意外傷害保險(xiǎn)單本保險(xiǎn)單所呈建議與聲明以及所列之被保險(xiǎn)人構(gòu)成本合同的基礎(chǔ),并且視為被保險(xiǎn)人就下文中所包含的保險(xiǎn)容向先鋒保險(xiǎn)〔以下稱(chēng)為"保險(xiǎn)公司"提出申請(qǐng),同意并支付列表中所述此保險(xiǎn)的首期保險(xiǎn)費(fèi)。本保險(xiǎn)單在此聲明：如果在本保險(xiǎn)單保險(xiǎn)期限的任意時(shí)間,保單所述被保險(xiǎn)人遭受由事故,暴力或者其它外部可見(jiàn)的方式而引起的人身傷害,且此類(lèi)傷害應(yīng)該在保險(xiǎn)單所規(guī)定的其它任何致殘或致死傷害圍之,并受限與本保單所包含或者所背書(shū)的條款規(guī)定、免責(zé)條款以及條件,保險(xiǎn)公司將向被保險(xiǎn)人或者被保險(xiǎn)人死亡情況下的合法代表人支付保單所述賠償費(fèi)。假如：1.針對(duì)傷害出現(xiàn)后的十二個(gè)公歷月之發(fā)生死亡、喪失或者永久性殘疾的被保險(xiǎn)人：A.賠償金額不得超過(guò)保單賠償列表所列一項(xiàng)條款中關(guān)于同一傷害結(jié)果的賠償〔下文涉及的暫時(shí)性部分殘疾或者隨后發(fā)生的暫時(shí)性完全殘疾的賠償除外。B.在雙方確定并通過(guò)賠償總金額之前,不得按周支付賠償款。然而對(duì)于相同的事故疾病,如果經(jīng)要求按周支付的,已付相應(yīng)賠償款應(yīng)從可索取賠償總金額扣除。2.此保險(xiǎn)單下對(duì)于任一或者更多索賠的應(yīng)付總賠償款不應(yīng)超過(guò)包含在保單賠償列表或通過(guò)背書(shū)添加至本保單中的任一條款下任一保險(xiǎn)期限的最大投保額。定義此保單-1."身體傷害"是指：a.被保險(xiǎn)人在本保單保險(xiǎn)期限身體遭受傷害,b.由事故引起,c.由任何其它原因造成的,但是以下原因除外：疾病直接導(dǎo)致,或者從被保險(xiǎn)人發(fā)生事故起十二個(gè)公歷月,針對(duì)事故導(dǎo)致的傷害,生命垂?；蛘邭埣捕M(jìn)行的必要治療或者外科手術(shù)造成的。2.事故包括被保險(xiǎn)人旅行所乘飛機(jī)或船只發(fā)生的災(zāi)難事故。3.疾病指被保險(xiǎn)人在本保單期限宣布,并在宣布后12個(gè)月之因疾病導(dǎo)致完全殘疾的。4.完全殘疾是完全指限制被保險(xiǎn)人履行工作或參加各種商務(wù)活動(dòng)。5.部分殘疾是指限制被保險(xiǎn)人參加實(shí)質(zhì)性的的個(gè)人正?；顒?dòng)和工作。6.永久性是指持續(xù)十二個(gè)公歷月并且在此時(shí)間截至之前已無(wú)希望改善好轉(zhuǎn)。7.肢體殘疾指手掌或手腕以上物理性截除,或者腳掌或腳腕以上物理性截除。8.空中旅行包括傳統(tǒng)性飛機(jī)登機(jī)、飛行、起飛以及著陸。免責(zé)條款由下列原因直接或間接導(dǎo)致死傷或者殘疾的,在此保單下保險(xiǎn)公司無(wú)須賠償：1.由戰(zhàn)爭(zhēng)、侵略或者戰(zhàn)導(dǎo)致的2.直接或間接由被保險(xiǎn)人空中旅行導(dǎo)致的,但是以下空中旅行除外:作為普通乘客乘坐任何一個(gè)依據(jù)已經(jīng)公布的飛行班次或時(shí)間表并由合法登記的航空公司運(yùn)行并授權(quán)的飛機(jī),或者乘坐由任意一家合法登記的航空公司運(yùn)行的并經(jīng)授權(quán)的多引擎飛機(jī)。3.由自殺、試圖自殺、故意自殘、性病、故意將自身至于危險(xiǎn)中〔試圖挽救人命的情形除外、被保險(xiǎn)人從事犯罪活動(dòng)、或被保險(xiǎn)人持續(xù)處于精神錯(cuò)亂狀態(tài)而導(dǎo)致的。4.女性生育或懷孕導(dǎo)致的5.由參加大型體育運(yùn)動(dòng)或其它形式的狩獵活動(dòng)、馬球、障礙賽、機(jī)車(chē)運(yùn)動(dòng)〔無(wú)論是作為司機(jī)或者乘客、登山攀巖運(yùn)動(dòng)、冬季運(yùn)動(dòng)〔在雪面或冰面、各種類(lèi)型的比賽〔運(yùn)動(dòng)員除外或者使用圓鋸或者木料加工機(jī)械導(dǎo)致的。保險(xiǎn)條款1.本保單和保險(xiǎn)列表應(yīng)作為一個(gè)合同整體解讀,任何隨附在本保單或保單列表中賦有具體含義的的詞語(yǔ)或表達(dá)應(yīng)賦有它出現(xiàn)之處應(yīng)有的字面意思。2.倘若被保險(xiǎn)人發(fā)生事故或者由此保單投保下的疾病而導(dǎo)致殘疾,被保險(xiǎn)人應(yīng)在事故發(fā)生或者疾病開(kāi)始14天向保險(xiǎn)公司發(fā)出書(shū)面通知。被保險(xiǎn)人或者他的法定個(gè)人代表應(yīng)在獲悉要求后七天自費(fèi)向保險(xiǎn)公司提交一份由專(zhuān)業(yè)醫(yī)師出具的書(shū)面報(bào)告,此醫(yī)師應(yīng)是經(jīng)保險(xiǎn)公司核準(zhǔn)并具有合格資質(zhì)的注冊(cè)執(zhí)業(yè)醫(yī)師,報(bào)告容應(yīng)包括案例事實(shí)、被保險(xiǎn)人所遭受傷害或疾病的性質(zhì)與程度,以及依據(jù)保險(xiǎn)公司合理要求所需的支持索賠的所有此類(lèi)信息；另外如果被保險(xiǎn)人事故發(fā)生日14天之后失明或者被截肢,被保險(xiǎn)人必須在此類(lèi)失明或截肢發(fā)生后一個(gè)月向保險(xiǎn)公司發(fā)出上述通知。如果針對(duì)死亡或永久性殘疾進(jìn)行索賠,在此類(lèi)個(gè)人傷害以及相應(yīng)的原因與結(jié)果經(jīng)保險(xiǎn)公司核實(shí)并達(dá)到滿(mǎn)意并將依據(jù)保險(xiǎn)單條款所需的相關(guān)信息提交至保險(xiǎn)公司以后,此情況下的應(yīng)付賠償款總額應(yīng)在一個(gè)公歷月之可付；如果是針對(duì)暫時(shí)性殘疾進(jìn)行索賠,賠償款將在暫時(shí)性殘疾恢復(fù)之后可付。此保單下應(yīng)付賠償款不應(yīng)計(jì)息,并且除非在保險(xiǎn)單到期之后一年,保險(xiǎn)公司應(yīng)該停止負(fù)責(zé)支付此類(lèi)賠償款。3.如果被保險(xiǎn)人發(fā)生事故或生病并正在承受疾病或者傷害的痛苦,若保險(xiǎn)公司需要,保險(xiǎn)公司的醫(yī)療、手術(shù)或其它代理也應(yīng)獲準(zhǔn)在所有合理的時(shí)間查看并檢查被保險(xiǎn)人所遭受傷害或疾病的性質(zhì)與嚴(yán)重程度。4.在提出繳納保險(xiǎn)費(fèi)續(xù)投此保險(xiǎn)單時(shí),被保險(xiǎn)人應(yīng)該將所有疾病、身體缺陷或者任何自上次保費(fèi)支付以后可能影響被保險(xiǎn)人的因素以書(shū)面形式告知保險(xiǎn)公司。5.如果被保險(xiǎn)人改變職業(yè)或者從事與列表中所述職業(yè)相比更危險(xiǎn)的工作,被保險(xiǎn)人應(yīng)立即通知保險(xiǎn)公司,并且在保險(xiǎn)公司并無(wú)義務(wù)的情況下,如果保險(xiǎn)公司選擇接受此類(lèi)投保,被保險(xiǎn)人還應(yīng)繳納此更大風(fēng)險(xiǎn)可能所需的額外保險(xiǎn)費(fèi)。6.在地方代理或者經(jīng)理獲悉任何與條款相關(guān)的情況時(shí),無(wú)論接收了相應(yīng)的任何保險(xiǎn)費(fèi),也并不可認(rèn)為保險(xiǎn)公司已經(jīng)知曉,或以此限制保險(xiǎn)公司,或者不公平的影響保險(xiǎn)公司。也不能以任何收據(jù)限制保險(xiǎn)公司,除非此收據(jù)當(dāng)時(shí)是用保險(xiǎn)公司正式文件用紙打印的。7.倘若有保險(xiǎn)單紅利,保險(xiǎn)公司在任何時(shí)間仍可以以書(shū)面通知的形式終止此保單。如果發(fā)生此情況,保險(xiǎn)公司應(yīng)該向被保險(xiǎn)人退還已繳之未滿(mǎn)期保險(xiǎn)費(fèi)。8.除非依據(jù)保險(xiǎn)公司和被保險(xiǎn)人雙方達(dá)成的條款和條件,本保單在超過(guò)列表所示保險(xiǎn)結(jié)束期限后將不能續(xù)投。9.所有需要由被保險(xiǎn)人提供的通知,被保險(xiǎn)人應(yīng)該向保險(xiǎn)公司總部辦公室,其分支機(jī)構(gòu)辦公室或者公司授權(quán)的代理發(fā)出通知。10.保險(xiǎn)公司不受限于或者被任何信托,收費(fèi)或者讓渡的法律聲明所影響。但是在收到來(lái)自被保險(xiǎn)人或者他的個(gè)人法定代表的法律聲明之后,在任何情況下都可以有效的與保險(xiǎn)公司解約。11.如果此保單下的賠款金額出現(xiàn)了任何爭(zhēng)議〔在責(zé)任被認(rèn)可的前提下,此類(lèi)爭(zhēng)議應(yīng)提交給依據(jù)現(xiàn)行有效法律而被雙方委托的一位仲裁人進(jìn)行處理。無(wú)論任何爭(zhēng)議以此條款提交給仲裁機(jī)構(gòu)進(jìn)行一項(xiàng)裁決,其均應(yīng)以對(duì)公司有權(quán)利采取行動(dòng)為先決條件。此保單以及在此訂立的保險(xiǎn)契約應(yīng)從屬于在此背書(shū)的各項(xiàng)條款、限制條件、規(guī)定以及法律聲明,同樣的視同為這些條款容相應(yīng)的被重復(fù)或者包含在此保單中,并且針對(duì)被保險(xiǎn)人行為所提供的此類(lèi)條款應(yīng)被視為被保險(xiǎn)人進(jìn)行訴訟的先決條件。被保險(xiǎn)人須知除非有保險(xiǎn)公司授權(quán)簽字人簽名,否則對(duì)本保單進(jìn)行的條款變更、