This Contractual Protection (Insurance) document serves as a fundamental agreement between insurers and policyholders in the Hong Kong market. It is designed to meet the requirements of Hong Kong's insurance regulatory framework, particularly the Insurance Ordinance (Cap. 41) and guidelines issued by the Hong Kong Insurance Authority. The document is essential for establishing legally binding insurance coverage, detailing premium payments, coverage limits, exclusions, and claims procedures. It can be customized for various insurance products including life, property, liability, and specialized commercial insurance. The template incorporates key elements required by Hong Kong law while providing flexibility to accommodate specific insurance needs and risk management requirements.
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1. Parties: Identification of the insurer and the insured, including full legal names and addresses
2. Background: Context of the insurance agreement and brief description of the purpose
3. Definitions: Detailed definitions of key terms used throughout the policy
4. Scope of Coverage: Detailed description of what risks are covered under the policy
5. Premium and Payment Terms: Details of premium amounts, payment schedule, and payment methods
6. Policy Period: Duration of coverage, including start and end dates
7. Exclusions: Specific risks, circumstances, or events that are not covered by the policy
8. Claims Procedure: Process for making claims, including notification requirements and timeframes
9. Obligations of the Insured: Duties and responsibilities of the policyholder
10. Termination and Cancellation: Conditions under which the policy can be terminated by either party
11. Dispute Resolution: Procedures for handling disputes, including jurisdiction and governing law
12. General Provisions: Standard contractual provisions including notices, amendments, and entire agreement
1. Renewal Terms: Terms for policy renewal - included when automatic renewal is offered
2. Subrogation Rights: Details of insurer's right to pursue third parties - included for property and liability insurance
3. Co-insurance Provisions: Terms for sharing risk with other insurers - included when multiple insurers are involved
4. Premium Financing: Terms for premium payment installments - included when financing options are offered
5. Special Endorsements: Additional coverage or modifications - included for customized policies
6. Beneficiary Designation: Designation of beneficiaries - included for life insurance policies
7. Territory Limits: Geographical limitations of coverage - included for international coverage
1. Schedule of Coverage: Detailed breakdown of specific items, amounts, and limits of coverage
2. Schedule of Premiums: Detailed premium calculations and payment schedule
3. Schedule of Exclusions: Comprehensive list of excluded risks and circumstances
4. Schedule of Beneficiaries: List of beneficiaries and their respective benefits (for life insurance)
5. Schedule of Insured Property: Detailed list of insured properties and their values
6. Appendix A - Claims Forms: Standard forms and documents required for claims submission
7. Appendix B - Policy Endorsements: Additional coverage terms and policy modifications
8. Appendix C - Risk Assessment Report: Technical evaluation of insured risks and mitigation measures
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