![](data:image/png;base64,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华贵大麦 2022 定期寿险(互联网专属)条款 华贵人寿保险股份有限公司
12B2720211 第 3 页[共 9 页]
间内,我们承担相应可选责任的保险责任:
1.2.2.1 航
空 意 外 身
故 或 身 体
全 残 保 险
金
被保险人以乘客身份
乘坐民航班机期间
4遭受意外伤害,并自该意外伤
害发生之日起 180 日内(含)因该意外伤害导致身故或身体全残的,本公司
在按本合同约定给付身故或身体全残保险金的同时,按被保险人身故或身体
全残当时本合同基本保险金额的一定比例给付航空意外身故或身体全残保
险金,本合同终止。航空意外身故或身体全残保险金的给付比例由您和本公
司在投保时约定,但须符合本公司当时的投保规定,约定的比例将在保险单
上载明。
1.2.2.2 水
陆 公 共 交
通 意 外 身
故 或 身 体
全 残 保 险
金
被保险人以乘客身份
乘坐水陆公共交通工具期间
5遭受意外伤害,并自
该意外伤害发生之日起 180 日内(含)因该意外伤害导致身故或身体全残
的,本公司在按本合同约定给付身故或身体全残保险金的同时,按被保险人
身故或身体全残当时本合同基本保险金额的一定比例给付水陆公共交通意
外身故或身体全残保险金,本合同终止。水陆公共交通意外身故或身体全残
保险金的给付比例由您和本公司在投保时约定,但须符合本公司当时的投保
规定,约定的比例将在保险单上载明。
1.3 保险期间 本合同的保险期间由您和本公司约定,但须符合本公司当时的投保规
定,约定的保险期间将在保险单上载明。保险期间自本合同生效日的零时开
始,至期满日的二十四时终止。
2. 我们不保什么
这部分讲的是我们不承担给付保险金责任的情况。
2.1 责任免除
因下列 1-3 项情形之一导致被保险人身故或身体全残的,本公司不承
担给付保险金的责任:
1.投保人对被保险人的故意杀害、故意伤害;
4乘坐民航班机期间指被保险人以乘客身份乘坐民航班机时,该期间自被保险人进入民航班机的舱门时起至走出舱门
时止。
民航班机指经相关政府部门登记许可的以客运为目的的民航班机。
5乘坐水陆公共交通工具期间指被保险人以乘客身份乘坐客运列车和客运汽车时,该期间自被保险人持有效车票上车
时起至被保险人到达车票载明或约定的旅程终点下车时止;被保险人以乘客身份乘坐客运轮船时,该期间自被保险
人检票踏上轮船时起至被保险人到达船票载明的旅程终点离开轮船时止;被保险人以乘客身份乘坐网约车时,该期
间自被保险人进入网约车车厢时起至被保险人走出网约车车厢时止。
水陆公共交通工具指经相关政府部门登记许可的以客运为目的的轮船、列车(包括客运列车、地铁、轻轨列车)、
汽车(包括公共汽车、电车、出租车、网约车、旅游大巴、单位给员工租赁的上下班班车、景区摆渡车、租用车)。
网约车又称网络预约出租汽车,是指以互联网技术为依托构建服务平台,整合供需信息,使用符合条件的车辆
和驾驶员,提供非巡游的预约出租汽车服务的经营活动中的车辆,并须符合以下规定:
(1)符合汽车分类国家标准(GB/T3730.1-2001)中的乘用车定义;
(2)主要用于载运乘客及其随身行李或临时物品;
(3)包括驾驶员座位在内最多不超过 9 个座位且获得《网络预约出租汽车运输证》;
(4)车主为合法汽车租赁企业或个人;
(5)驾驶人员具备《网络预约出租汽车驾驶员证》且与网约车平台公司正式签署服务合同,其中,网约车平台
公司需依法取得网络预约出租汽车经营许可;
(6)网约车辆和驾驶员需要符合国家以及地方的法律、法规、条例的要求,并取得相应的资质和证书。网约车
辆和驾驶员未取得资质和证书的,不属于本合同约定的网约车。顺风车(也称私人小客车合乘)也不属于本合同约
定的网约车。