保险66879162资料.pptVIP

Insurance 保险是指投保人根据保险合同约定，向保险人支付保险费，保险人对于保险合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任，或者当被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限时承担给予保险金责任的商业保险行为。 Actual Total Loss Constructive total loss Unless a marine policy otherwise provides, a loss is a constructive total loss if the subject-matter insured is reasonably abandoned because the actual total loss of the subject-matter appears unavoidable or the preservation of the subject-matter from actual total loss would entail costs exceeding its value when the costs are incurred. 例1、我公司出口稻谷一批，因保险事故被海水浸泡多时而丧失其原有价值，货到目的港后只能低价出售，这种损失属于实际全损。 例2、有一批出口服装，在海上运输途中，因船体触礁导致服装严重受浸，若将这批服装漂洗后运至原定目的港所花费的费用已超过服装的保险价值，这种损失属于推定全损。 General Average General Average Particular average means that a particular cargo is damaged by any cause and the degree of damage dose not reach a general average. Maritime charges SueLabor charges:When the insured cargo suffers natural calamities or fortuitous accidents within the scope of insurance cover,the insured or his agent or any employees pays the expenses caused in saving the insured cargo in order to prevent the losses from further expanding. Salvage charges: When the insured cargo suffers a natural calamity or a fortuitous accident within the scope of insurance cover, the third party who has no contracted relations with the insured and the insurer salvages the cargo successfully. Extra charges: Include the fee for reconnaissance, notarization, calculation, auction, and the fee for offload, storage the goods. 海上运输货物保险保障的费用 施救费用（Sue Labor Charges）是指保险货物遭遇保险责任范围内的事故时，被保险人或其代理人、雇佣人员和受让人为避免或减少损失而采取各种抢救、保护、整理措施而产生的合理费用。 救助费用（Salvage Charges）当船舶遇到海难，虽然经船上人员尽力采取办法亦不能使船舶脱离危险时，必须由他人来救助，由此支付的报酬就是救助费用。 额外费用 （Extra Charges）是指保险标的受损后，对其进行 查堪、公正、理算或拍卖等支付的费用以及运输在中途中止时所支付的货物卸下、存仓及续运至目的地的费用等。 Case Study 2. Partial loss of the insured commodities caused by the transport accidents such as ground, stranding, sink, collision, fire and explosion; 由于运输工具遭受搁浅、触礁、沉没、互撞、失火、爆炸等意外事故造成的全部或部分损失。 4、total loss or partial