中国人民财产保险股份有限公司

邮包险条款（2009版）

一、责任范围

本保险分为邮包险和邮包一切险两种。被保险货物遭受损失时，本保险按保险单上订明承保险别的条款规定，负赔偿责任。

(一)邮包险

本保险负责赔偿：

1、被保险邮包在运输途中由于恶劣气候、雷电、海啸、地震、洪水自然灾害或由于运输工具遭受搁浅、触礁、沉没、碰撞、倾覆、出轨、坠落、失踪，或由于失火、爆炸意外事故所造成的全部或部分损失。

2、被保险人对遭受承保责任内危险的货物采取抢救、防止或减少货损的措施而支付的合理费用，但以不超过该批被救货物的保险金额为限。

(二)邮包一切险

除包括上述邮包险的各项责任外，本保险还负责被保险邮包在运输途中由于外来原因所致的全部或部分损失。

二、除外责任

本保险对下列损失，不负赔偿责任：

(一)被保险人的故意行为或过失所造成的损失。

(二)属于发货人责任所引起的损失。

(三)在保险责任开始前，被保险邮包已存在的品质不良或数量短差所造成的损失。

(四)被保险邮包的自然损耗、本质缺陷、特性以及市价跌落、运输延迟所引起的损失或费用。

(五)本公司邮包战争险条款和货物运输罢工险条款规定的责任范围和除外责任。

三、责任起讫

保险责任自被保险邮包离开保险单所载起运地点寄件人的处所运往邮局时开始生效，直至该项邮包运达本保险单所载目的地邮局，自邮局签发到货通知书当日午夜起算满十五天终止。但在此期限内邮包一经递交至收件人的处所时，保险责任即行终止。

四、被保险人的义务

被保险人应按照以下规定的应尽义务办理有关事项。

(一)当被保险邮包运抵保险单所载明的目的地以后，被保险人应及时提取包裹。当发现被保险邮包遭受任何损失，应即向保险单上所载明的检验、理赔代理人申请检验。如发现被保险邮包整件短少或有明显残损痕迹，应即向邮局索取短、残证明，并应以书面方式向他们提出索赔，必要时还须取得延长时效的认证。如未履行上述规定义务，保险人对有关损失不负赔偿责任。

(二)对遭受承保责任内危险的邮包，应迅速采取合理的抢救措施，防止或减少邮包的损失，被保险人采取此项措施，不应视为放弃委付的表示，保险人采取此项措施，也不得视为接受委付的表示。

对由于被保险人未履行上述义务造成的扩大的损失，保险人不负赔偿责任。

(三)在向保险人索赔时，必须提供下列单证：

保险单正本、邮包收据、发票、装箱单、磅码单、货损货差证明、检验报告及索赔清单。如涉及第三者责任，还须提供向责任方追偿的有关函电及被保险人所能提供的其他与确认保险事故的性质、原因、损失程度等有关的证明和资料。

被保险人未履行前款约定的单证提供义务，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。

PICC P&C PARCEL POST INSURANCECLAUSES

(2009)

I. Scope of Cover

This insuranceis classified into Parcel Post Risks and Parcel Post All Risks and shall, incase of loss of or damage to the insured parcel, assume liability according tothe conditions of the risks covered as specified in the Policy.

1. Parcel PostRisks

This insuranceshall undertake to indemnify for:

(1) Total orpartial loss of the insured parcel caused by:

a) Heavy weather,lightning, tsunami, earthquake, flood;

b) Grounding, stranding,sinking, collision, overturning, derailing, crashing or missing of the carryingconveyance or;

c) Fire orexplosion.

(2) Reasonablecost incurred by the Insured in salvaging the insured parcel or averting orminimizing a loss recoverable under the Policy, provided that such cost shallnot exceed the sum insured of the parcel so saved.

2. Parcel PostAll Risks

Aside from theliability covered under the aforesaid Parcel Post Risks, this insurance shallalso indemnify for total or partial loss of the insured parcel arising fromexternal causes in the course of transit.

II. Exclusions

Thisinsurance does not cover:

1. Loss ordamage caused by the intentional act or fault of the Insured.

2. Loss ordamage falling under the liability of the consignor.

3. Loss ordamage arising from the inferior quality or shortage of the insured parcelprior to attachment of this insurance.

4. Loss ordamage arising from normal loss, inherent vice or nature of the insured parcel,loss of market and /or delay in transit and any expenses arising therefrom.

5. Risks andliabilities covered and excluded by the Parcel Post War Risks Clauses andStrikes, Riots and Civil Commotion Clauses of this Company.

III. Commencement and Termination of Cover

This insuranceattaches from the time the insured parcel leave the premises or the place ofbusiness of the sender for transit to the post office and continues in forceuntil the expiry of fifteen (15) days counting from midnight of the day ofissuing of the notice of arrival of the parcel by the post office at thedestination named in the policy when the parcel arrive there, or until deliveryof the parcel to the premises or place of business of the recipient if suchdelivery takes place prior to the expiry of the aforesaid fifteen(15) days.

IV. Duty of Insured

It is the dutyof the Insured to attend to all matters as specified hereunder:

1. The Insuredshall take delivery of the insured parcel in good time upon arrival thereof atthe destination named in the Policy If the insured parcel are found damaged, theInsured shall immediately apply for survey to the surveying and /or settling agentstipulated in the Policy If the insured parcel are found short in entire parcelon parcels or to show apparent traces of damage, the Insured shall obtain fromthe post office a certificate of shortage or damage and lodge a claim inwriting with the said post office, obtaining, if necessary, its confirmation ofan extension of the time limit of validity of such claim. If the Insured failsto fulfill the aforesaid obligations, the Insurer shall not be liable for theindemnity to the loss or damage attributable to such failure.

2. The Insuredshall take reasonable measures immediately in salvaging the insured parcel orpreventing or minimizing a loss or damage thereto, when they sustain loss ordamage covered under this insurance The measures so taken by the Insured shallnot be considered as a waiver of abandonment hereunder, nor shall they beconsidered as an acceptance of abandonment in the event that they are taken bythe Insurer.

The Insurershall not be liable for the indemnity to the increased loss or damageattributable to the Insured’s failure to fulfill the aforesaid obligations.

3. The followingdocuments should accompany any claim hereunder made against the Company: OriginalPolicy, Postal Receipt, Invoice, Packing List, Weight memo, Certificateof Loss or Damage or Shortage, Survey Report and Statement of Claim If anythird party is involved, documents relative to pursuing of recovery from suchparty should also be included.

The insured shouldprovide other insurance nature of the incident identified, causes, extent oflosses and other relevant evidence and information.

If the Insured fails to provide the aforesaid claimdocuments, the Insurer shall not be liable for the indemnity to the parts ofthe loss or damage which can not be verified due to such failure.

English translation is forreference only. For any disputes from policy interpretation Chinese policy willprevail.