华泰财险附加代位求偿权放弃条款（CB版）.pdfVIP

华泰财险附加代位求偿权放弃条款（CB 版） 本附加条款下代位求偿权适用下述约定： 发生保险责任范围内的损失，应由第三者负责赔偿的，保险人自向被保险人赔偿之日 起，在赔偿金额范围内代位行使被保险人对该第三者请求赔偿的权利。 保险事故发生后，被保险人已经从第三者取得损害赔偿的，保险人支付赔偿时，可以 相应扣减被保险人从第三者已取得的赔偿金额。 保险事故发生后，保险人未赔偿保险金之前，被保险人放弃对第三者请求赔偿的权利 的，保险人不承担赔偿保险金的责任。 保险人向被保险人赔偿保险金后，被保险人未经保险人同意放弃对第三者请求赔偿的 权利的，该行为无效。 被保险人故意或者因重大过失致使保险人不能行使代位请求赔偿的权利的，保险人可 以扣减或者要求返还相应的保险金。 但是，在适用本保险的损害赔偿和费用发生前已经签订的合同或协议中，若被保险人 已经明确放弃向指定第三方追偿的权利，则保险人放弃向该等个人或组织追偿该等损 害赔偿和费用的权利。指定第三方以明细表约定为准。 主保险合同和本附加条款约定不一致，以本附加条款为准；其他约定，仍适用主保险 合同。 Waiver of Subrogation Endorsement It is agreed that Article 30 is as following: Article 30 If a third party is held liable for the covered loss, the Insurer shall be subrogated to all the Insured’s rights of recovery against the third party from the date of indemnity payment to the Insured. If the Insured has been indemnified by the third party after the occurrence, the Insurer may deduct the amount received by the Insured from the third party when paying the indemnity. The Insurer shall not be liable for the loss if the Insured waives the right to claim against the third party after the occurrence but before the Insurer pays the indemnity. If the Insured, without the Insurer’s consent, waives the right to claim against the third party after the Insurer has paid the indemnity to the Insured, such waiver of right is invalid. If the Insurer cannot exercise the right of subrogation due to the Insured’s willful act or gross negligence, the Insurer may deduct the corresponding amount of indemnity or request for a refund. However, the Insurer will waive the right of recovery against Field1 for Damages and Expenses to which this insurance applies if the Insured has expressly waived their rights of recovery against such person or organisation in a contract or agreement that is executed before such loss. In all other respects this Policy remains unaltered.