PIONEER INSURANCE COMPANY LIMITED
Caring for you, forever……..
Head Office: Symphony（5th Floor）, Plot # SE(F)9, Road # 142， South Avenue, Gulshan-1, Dhaka-1212.
PERSONAL ACCIDENT POLICY
Whereas the Insured named in the Schedule of this Policy by Proposal and declaration which shall be the basis of this contract and is deemed to be incorporated herein has applied to PIONEER INSURANCE CO., LTD.（hereinafter called “the Company”）for the Insurance hereinafter contained and has paid or agreed to pay the First premium stated in the Schedule as consideration for such insurance.
Now this Policy withnesseth that if at any time during any period of insurance any of the insured Persons named in the Schedule shall sustain any bodily injury caused by accidental, violent, external and visible means which injury shall solely and independently of any other cause result in death or disablement as defined in the Schedule of Benefits then subject to the terms Provisions, exceptions and conditions contained herein or endorsed hereon, the Company will pay to the Insured or in the event of his death to his legal personal representatives compensation as provided in the Schedule of Benefits.
Provided always that
1. Death, loss or permanent disablement takes place within twelve calendar months of the occurrence of the injury.
(a) Compensation shall not be payable under more than one of the items of the Schedule of Compensation in respect of consequences of the same accident (except for any compensation payable hereunder in respect of temporary partial disablement preceding or following temporary total disablement). (b) No weekly compensation shall become payable until the total amount hereof has been ascertained and agreed. If, nevertheless, payment be made for weekly compensation, the amount so paid shall be deducted from any lump sum becoming claimable in respect of the same accident of illness.
2. The total sum payable under this policy in respect of any one or more claims shall not exceed in all in any one period of insurance the largest sum insured under any one of the items contained in the Schedule of Compensation or added to this policy by endorsement.
Definitions
In this policy-
1. “BODILY INJURY” means bodily injury which
(a) is sustained by the Assured during the period of this policy.
(b) is caused by an accident, and
(c) solely and independently of any other cause except illness directly resulting from, or medical or surgical treatment rendered necessary by such injury, occasions the death or disablement of the Assured within twelve calendar months from the date of the accident by which such injury is caused.
2. “ACCIDENT”includes exposure resulting from a mishap to an aircraft to or vessel in which Assured is travelling.
3. “ILLNESS”means illness of the Assured which declares itself during the period of the Policy and occasions the total disablement of the Assured within twelve calendar months after declaring itself.
4. “TOTAL DISABLEMENT”means disablements, which entirely prevents the Assured from attending to his business or occupation (of any and every kind) of if he has no business or occupation from attending to his usual duties.
5. “PARTIAL DISABLEMEN T”means disablements which prevents the Assured from attending to a substantial part of his usual duties, business or occupation if he has no business or occupation from attending to his usual duties.
6. “PERMANENT” means lasting twelve calendar months and at the expiry of that period being beyond hope of improvement.
7. “LOSS OF LIMB”means loss of physical separation of a hand at or above the wrist or of a foot at or above the ankle.
8. “AIR TRAVEL”means being in or on or boarding a conventional aircraft for the purpose of flying therein or alighting therefrom following a flight.
EXCEPTIONS
The company shall not be liable under this Policy for death or disablement directly or indirectly caused by arising or resulting from or traceable to
1. consequent on war, invasion or civil war.
2. Directly or indirectly consequent on the Assured engaging air travel, except as a passenger in any property licensed conventional aircraft being operated by a licensed airline in accordance with published Schedules of
flights, or time tables or in a properly licensed multi-engine aircraft being operated by any licensed Air Line.
3. Resulting from suicide or attempted suicide or intentional self injury or venereal disease or from deliberate exposure to exceptional danger( except in an attempt to save human life), or from the Assured sown criminal act or sustained whilst, the Assured is in state of insanity.
4. Child birth or pregnancy in the case of women
5. Big game or other forms of hunting, polo, steeple chasing, motor cycling ( whether as driver or passenger ), mountaineering, winter sports ( on snow or ice), racing of any kind ( except athletics ) or the use of a circular saw or wood working machinery.
CONDITIONS
1. This Policy and the Schedules shall be read together as one contract and any word or expression to which a specific meaning has been attached in any part of the Policy or the Schedule shall bear such specific meaning wherever it may appear.
2. In the event of any accident or disablement by disease hereby insured against happening to an Insured person notice thereof in writing shall be given to the Company within fourteen days of the occurrence of the accident or the commencement of the disease. The Insured or his legal personal representatives shall, at his or their own expense, forward to the Company, within the space of seven days after the demand, a written report from a medical attendant, who shall be duly qualified and registered medical practitioner, approved by the Company, of the facts of the case and the nature and extent of the injuries received or of the disease, and generally all such information in support of the claim as the Company shall reasonably require and in case of loss sight or amputation occurring more than fourteen days after the accident, notice as aforesaid must be given within one calendar month of such loss of sight or amputation. In the case of claim of death loss, or permanent disablement unless otherwise stated all sums payable hereunder shall be payable within one calendar month after. Such personal injury and the cause and result thereof shall have been proved to the satisfaction of the Company and such information as is required by the Conditions of this Policy shall have been furnished, and in the case of claim for temporary disablement, only upon the termination of disablement. No sum payable under this Policy shall carry interest, and the Company shall cease to be liable for any such sum unless claimed within one year after it has become due.
3. If required by the Company, the Medical, Surgical or other Agent of the Company shall in case of any accident to an Insured or any disease,
be admitted at all reasonable time to see and examine the nature of the injury sustained by the Insured and of the disease whilst the Insured Person is suffering from the effects of the same.
4. The Insured shall, on tendering any premium for the renewal of this policy give notice in writing to the Company of any disease, physical defect or infirmity with which an Insured person has become affected since the payment of the next preceding premium.
5. if an Insured person shall change his occupation for or engage in one more hazardous than that stated in the schedule, the Insured shall give immediate notice to the Company and pay such extra premium as may be required in respect of such greater risk if the Company shall elect to accept the same which they shall be under no obligation to do.
6. Any circumstances in relation to the condition coming to the knowledge of any local agent or Manager, shall not be of notice to or be held to bind, or prejudicially affect the Company, notwithstanding the subsequent acceptance of any premium, nor will the company be bound by any receipt, except it be on its printed office form for the time being.
7. The Company may at any time, notwithstanding the provision for Cumulative Bonus, by notice in writing determine this policy. Provided that the Company shall in that case return to the Insured the Then last premium paid by him less a pro-rata part there of for the portion of the current insurance period which shall have expired. Such notice shall be deemed sufficiently given if posted and addressed to the Insured at the within mentioned address, or at any later address, of which notice in writing shall have been given to the company and shall be deemed to have been received by him at the time when the same would be delivered in the ordinary course of post.
8. This policy is not renewable beyond the period of insurance ending in the year stated in the Schedule except on such terms and condition, as may be agreed upon between the Company and the Insured.
9. The Company shall not be bound to notice or be affected by any notice of the any trust, charge or alienation relating to his policy, but the receipt of the Insured, or his legal personal representatives shall in any case effectually discharge of the Company.
10. All notices required to be given by the Insured shall be given to the Company at the Head Office, at one of its Branch Office or at Offices of its Authorized Agents.
11. If any difference shall arise as to the amount to be paid under this policy (liability being otherwise admitted) such difference shall be referred to an Arbitrator to be appointed by the parties in accordance with the statutory provisions in that behalf for the time being in force. Where any difference is by this condition to be referred to arbitration be making for an Award shall be condition precedent to any right of action against the Company.This policy and the Insurance hereby made shall be subject to the several conditions, restrictions, stipulations and notices endorsed hereon in like manner as if the same were respectively repeated and incorporated herein, and such conditions is so far as they provide for anything to be done by the Insured are to be deemed conditions precedent to the right of the Insured to sue or recover Hereunder.
NOITCE TO THE INSURED
No alteration in the terms of this policy and no endorsement hereon or addition hereto will be held valid unless the same is signed or initialed by an authorized official of the Company.
先锋保险有限公司
对您关爱，直至永远……
公司总部地址：Symphony（5th Floor）, Plot # SE(F)9, Road # 142， South Avenue, Gulshan-1, Dhaka-1212.
人身意外伤害保险单
本保险单所呈建议与声明以及所列之被保险人构成本合同的基础，并且视为被保险人就下文中所包含的保险内容向先锋保险有限公司（以下称为“保险公司”）提出申请，同意并支付列表中所述此保险的首期保险费。
本保险单在此声明：如果在本保险单保险期限内的任意时间，保单所述被保险人遭受由事故，暴力或者其它外部可见的方式而引起的人身伤害，且此类伤害应该在保险单所规定的其它任何致残或致死伤害范围之内，并受限与本保单所包含或者所背书的条款规定、免责条款以及条件，保险公司将向被保险人或者被保险人死亡情况下的合法代表人支付保单所述赔偿费。
假如：
1. 针对伤害出现后的十二个公历月之内发生死亡、丧失或者永久性残疾的被保险人：
A. 赔偿金额不得超过保单赔偿列表所列一项条款中关于同一伤害结果的赔偿（下文涉及的暂时性部分残疾或者随后发生的暂时性完全残疾的赔偿除外）。
B. 在双方确定并通过赔偿总金额之前，不得按周支付赔偿款。然而对于相同的
事故疾病，如果经要求按周支付的，已付相应赔偿款应从可索取赔偿总金额内扣除。
2. 此保险单下对于任一或者更多索赔的应付总赔偿款不应超过包含在保单赔偿列表或通过背书添加至本保单中的任一条款下任一保险期限内的最大投保额。
定义
此保单内-
1. “身体伤害”是指：
a. 被保险人在本保单保险期限内身体遭受伤害，
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：疾病直接导致，或者从被保险人发生事故起十二个公历月内，针对事故导致的伤害，生命垂危或者残疾而进行的必要治疗或者外科手术造成的。
2. 事故包括被保险人旅行所乘飞机或船只发生的灾难事故。
3. 疾病指被保险人在本保单期限内宣布，并在宣布后12个月之内因疾病导致完全残疾的。
4. 完全残疾是完全指限制被保险人履行工作或参加各种商务活动。
5. 部分残疾是指限制被保险人参加实质性的的个人正常活动和工作。
6. 永久性是指持续十二个公历月并且在此时间截至之前已无希望改善好转。
7. 肢体残疾指手掌或手腕以上物理性截除，或者脚掌或脚腕以上物理性截除。
8. 空中旅行包括传统性飞机登机、飞行、起飞以及着陆。
免责条款
由下列原因直接或间接导致死伤或者残疾的，在此保单下保险公司无须赔偿：
1. 由战争、侵略或者内战导致的
2. 直接或间接由被保险人空中旅行导致的，但是以下空中旅行除外: 作为普通乘客乘坐任何一个依据已经公布的飞行班次或时间表并由合法登记的航空公司运行并授权的飞机，或者乘坐由任意一家合法登记的航空公司运行的并经授权的多引擎飞机。
3.由自杀、试图自杀、故意自残、性病、故意将自身至于危险中（试图挽救人命的情形除外）、被保险人从事犯罪活动、或被保险人持续处于精神错乱状态而导致的。
4. 女性生育或怀孕导致的
5. 由参加大型体育运动或其它形式的狩猎活动、马球、障碍赛、机车运动（无论是作为司机或者乘客）、登山攀岩运动、冬季运动（在雪面或冰面）、各种类型的比赛（运动员除外）或者使用圆锯或者木料加工机械导致的。
保险条款
1. 本保单和保险列表应作为一个合同整体解读，任何随附在本保单或保单列表中赋有具体含义的的词语或表达应赋有它出现之处应有的字面意思。
2. 倘若被保险人发生事故或者由此保单投保下的疾病而导致残疾，被保险人应在事故发生或者疾病开始14天内向保险公司发出书面通知。被保险人或者他的法定个人代表应在获悉要求后七天内自费向保险公司提交一份由专业医师出具的书面报告，此医师应是经保险公司核准并具有合格资质的注册执业医师，报告内容应包括案例事实、被保险人所遭受伤害或疾病的性质与程度，以及依据保险公司合理要求所需的支持索赔的所有此类信息；另外如果被保险人事故发生日14天之后失明或者被截肢，被保险人必须在此类失明或截肢发生后一个月内向保险公司发出上述通知。如果针对死亡或永久性残疾进行索赔，在此类个人伤害以及相应的原因与结果经保险公司核实并达到满意并将依据保险单条款所需的相关信息提交至保险公司以后，此情况下的应付赔偿款总额应在一个公历月之内可付；如果是针对暂时性残疾进行索赔，赔偿款将在暂时性残疾恢复之后可付。此保单下应付赔偿款不应计息，并且除非在保险单到期之后一年内，保险公司应该停止负责支付此类赔偿款。
3. 如果被保险人发生事故或生病并正在承受疾病或者伤害的痛苦，若保险公司需要，保险公司的医疗、手术或其它代理也应获准在所有合理的时间查看并检查被保险人所遭受伤害或疾病的性质与严重程度。
4. 在提出缴纳保险费续投此保险单时，被保险人应该将所有疾病、身体缺陷或者任何自上次保费支付以后可能影响被保险人的因素以书面形式告知保险公司。
5. 如果被保险人改变职业或者从事与列表中所述职业相比更危险的工作，被保险人应立即通知保险公司，并且在保险公司并无义务的情况下，如果保险公司选择接受此类投保，被保险人还应缴纳此更大风险可能所需的额外保险费。
6. 在地方代理或者经理获悉任何与条款相关的情况时，无论接收了相应的任何保险费，也并不可认为保险公司已经知晓，或以此限制保险公司，或者不公平的影响保险公司。也不能以任何收据限制保险公司，除非此收据当时是用保险公司正式文件用纸打印的。
7. 倘若有保险单红利，保险公司在任何时间仍可以以书面通知的形式终止此保单。如果发生此情况，保险公司应该向被保险人退还已缴之未满期保险费。
8. 除非依据保险公司和被保险人双方达成的条款和条件，本保单在超过列表所示保险结束期限后将不能续投。
9. 所有需要由被保险人提供的通知，被保险人应该向保险公司总部办公室，其分支机构办公室或者公司授权的代理发出通知。
10. 保险公司不受限于或者被任何信托，收费或者让渡的法律声明所影响。但是在收到来自被保险人或者他的个人法定代表的法律声明之后，在任何情况下都
可以有效的与保险公司解约。
11. 如果此保单下的赔款金额出现了任何争议（在责任被认可的前提下），此类
争议应提交给依据现行有效法律而被双方委托的一位仲裁人进行处理。无论任何
争议以此条款提交给仲裁机构进行一项裁决，其均应以对公司有权利采取行动为
先决条件。
此保单以及在此订立的保险契约应从属于在此背书的各项条款、限制条件、规定
以及法律声明，同样的视同为这些条款内容相应的被重复或者包含在此保单中，并且针对被保险人行为所提供的此类条款应被视为被保险人进行诉讼的先决条件。
被保险人须知
除非有保险公司授权签字人签名，否则对本保单进行的条款变更、背书或者增添
内容均视为无效。
先锋保险有限公司
保险列表
保单号：PIONEER/HO/PA//P-01/04/2013
投保人保险费
名称：中机联合体保险费5% ： Tk. 764250
地址：孟加拉国，巴拉普库利亚煤矿现场增值税：Tk. 114638
办公室进出口公司与徐州矿务集团公司印花税：Tk. 61140
经营业务：煤矿开采工程（依据附表）合计：Tk. 940028 保险期限：2013-04-01至2014-03-31 投保金额：Tk. 152850000
上述此类人身伤害直接造成:
A: 死亡
B: 永久性残疾
将根据一下比例计算最高赔偿金额：
1.双目永久性完全失明——————————————————100%
2. 完全失去双肢或者永久性完全丧失其功能—————————100%
3. 完全失去右臂或者永久性完全丧失其功能—————————75%
4. 完全失去左臂或者永久性完全丧失其功能—————————60%
5. 完全失去右前臂或者永久性完全丧失其功能————————65%
6. 完全失去左前臂或者永久性完全丧失其功能————————55%
7. 完全失去右手或者永久性完全丧失其功能—————————60%
8. 完全失去左手或者永久性完全丧失其功能—————————50%
9. 完全失去双大腿或者永久性完全丧失其功能————————60%
10. 完全失去双小腿或者永久性完全丧失其功能———————50%
11. 完全失去脚掌或者永久性完全丧失其功能—————————40%
12. 单眼永久性完全失明——————————————————50%
13. 双耳永久性完全失聪——————————————————50%
14. 单耳永久性完全失聪——————————————————15%
15. 完全失去右手大拇指或者永久性完全丧失其功能————— 25%
16. 完全失去左手大拇指或者永久性完全丧失其功能————— 20%
17. 完全失去右手食指或者永久性完全丧失其功能—————— 20%
18. 完全失去左手食指或者永久性完全丧失其功能—————— 15%
19. 完全失去右手中指或者永久性完全丧失其功能—————— 12%
20. 完全失去左手中指或者永久性完全丧失其功能—————— 10%
21. 完全失去右手无名指或者永久性完全丧失其功能————— 10%
22. 完全失去左手无名指或者永久性完全丧失其功能————— 8%
23. 完全失去右手小拇指或者永久性完全丧失其功能——————6%
24. 完全失去左手小拇指或者永久性完全丧失其功能——————5%
25. 完全失去大脚趾或者永久性完全丧失其功能————————5%
26. 完全失去其它任何一个脚趾或者永久性完全丧失其功能———3%
27. 除上述内容以外的其它永久性完全残疾（应付赔偿款为直到达到
C. 暂时性完全残疾…………….每周0.60% 支付期限不超过52周
D. 暂时性部分残疾…………..每周0.20% 同上
受益人：投保人
2013年4月1日在达卡签订先锋保险有限公司代表
受理人代码：HO-047640
印章：先锋保险有限公司（总部）（授权签字人）
副总经理