Contract
万事达卡中国
世界商务万事达卡和世界商务借记▇
数字保险利益
条款与条件
承保概要
承保范围 | 最高保障金额（人民币） |
网络购物综合保险 | 每次事故: 3,315 年度总额：3,315 |
损坏：指商品因意外事故导致零件损坏、材料破坏或结构损坏而不再具有原定功能。
年度累计责任限额:指对于保险期间内发生的保险事故，保险公司向每位持卡人累计承担赔偿责任的最高限金额。
持卡人/受保人:指所有在中国大陆境内持有发卡机构所发行的银行卡的人，包括同一帐户下的副卡持有人或附属卡持有人。
商品：指以银行卡全额购买或使用银行卡在奖励活动中累积的积分购得的商品，不包括保险合同明确约定不予承保的物品
银行卡：指发卡机构发行的万事达卡世界商务万事达卡或世界商务借记卡。保险公司/我们：指保险单上列明的保险公司。
发卡机构：指在中国大陆境内经营信用卡业务，并为持卡人安排相关保险的银行或其他金融机构或类似实体，该保单具体承保的发卡机构以保险单所载为准。
每次事故责任限额: 指在该保单项下任一被保险购物所适用的最高赔偿限额。
被保险购物：指持卡人使用银行卡合法的购买。
保单：指投保人与保险公司之间签订的保险合同，包括该保单条款、保险单、书面投保申请以及在保险合同项下签发的任何批单
免赔额：指对于该保单合同项下的任一索赔，受保人应自行承担的损失金额。
保险期间：指自保险单所载起保日零时起至保险单满期日二十四时止的一段期间。投保人：指向保险公司申请投保该保单，保险公司接受其投保申请的人。
战争：指无论宣战与否的战争，或任何类似战争活动，包括任何主权国家为达到其经济、疆域扩张、民族主义、政治、种族、宗教或其他目的而进行的任何军事行动。
在保险期间内，若发生下列保障项目所承保的任何保险事故，保险公司依据该保单合同的各项规定，按照所适用的保障项目，向受保人承担相应的赔偿责任：
a. 网购商品收货不着及运费损失保障
除非卖方另外规定交付日期，若受保人在中国大陆境内通过互联网络在线购买的商品未在购买之日起 30 日内交付，
且卖方未在购买之日起 60 日内将受保人支付的款项退回至受保人的信用卡，或第三方网上支付帐户内，保险公司将赔偿受保人因此遭受的收货不着及运费损失。
b. 网购商品功能故障保障
若受保人在中国大陆境内通过网络在线购买的商品因运送过程中发生有形损坏而在交付后出现功能故障，导致该商品无法实现商品制造商设计的部分预定功能，且卖方或承运人未在送达之日后 60 日内将受保人支付的款项退回受保人的信用卡，或第三方网上支付帐户内，保险公司将赔偿受保人因此损失的已支付购买款项。
对于该保单项下的有效索赔，保险公司将以保险单中载明的相应责任限额为限，赔偿受保人购买商品所支出的金额或费用。
对于下列任何一项，或出现下列任何情形时，保险公司在该保险合同项下不承担赔偿责任：
1) 任何机动车辆、航空器、船舶、汽车、摩托车、水上运输工具及对其进行操作或维修所需的任何设备、零部件或配件
；
2) 我们不会支付与以下任一情形有关的索赔、费用或损失：
a. 商品被公安机关、政府机关、法院或其他授权机构依法没收；
b. 受保人的任何欺诈行为或故意行为。
3) 根据本节，我们无须支付与下列各项有关的索赔：
a. 动物或植物；
b. 现金、金银、流通票据、股票、旅行支票或任何类型的票券（包括但不限于体育赛事、娱乐活动的入场券或旅游景点的门票）；
c. 易耗品或易腐品（包括但不限于食品、鲜花、饮料、药品、营养补充品）；
d. 为商业用途而购买的商品，包括用于转销售的商品、贸易工具或专业工具等；
e. 互联网站的访问权或从互联网下载的软件或数据文件（包括音频文件、照片、阅读材料、书籍和电影等）；
f. 通过互联网提供的服务，包括订购电影票、机票、预订酒店、租车、理财咨询等；
g. 通过私下交易或线上拍卖网站从自然人购买的商品；
h. 伪造或假冒产品；
i. 因自然灾害、气象或气候条件、磨损、贬值、逐渐变质、水、污染、制造缺陷或固有缺陷、害虫、昆虫、白蚁、霉菌、潮湿或干腐、细菌、生锈、清洁、检修、维护、调整或维修造成的损失或损坏；
j. 因机械故障、电气故障、软件或数据故障造成的损失；
k. 数据丢失；
l. 购买时为旧商品、受损商品或二手商品；
m. 固定的家用或商用设施，包括但不限于地毯、地板、地砖、空调、冰箱或加热器；
n. 用于或计划用于商业、零售、财产租赁或其他商业目的的商品；
o. 受保人租赁的物品；
p. 购买时已使用过或经过改造、翻新或重制的物品；
q. 运输处理费用，或相关安装装配费用
r. 艺术品、古董、枪械和藏品；
s. 皮草、手表、珠宝、宝石、贵重石器、金制品或含金品（或由其他贵金属、宝石制成或含有此类材质的商品）；
t. 受保人因使用信用卡所支付的年费及其他与购买无关的费用或收费；
u. 因内战或国际战争、侵略、罢工、暴乱、叛乱、民众骚乱及恐怖活动造成的任何损失或损坏；
v. 因放射性、原子裂变或原子聚变（无论控制与否），或者核事故引起的任何损失或损坏，
w. 放置不当；
x. 神秘失踪；
y. 当地政府机关认定属于非法的商品。
4) 保险公司在该保单合同项下提供任何保险保障、利益或支付任何保险赔偿金会导致保险公司违反联合国决议项下的任何制裁、禁止性或限制性规定，或者违反中华人民共和国或美国颁布的任何经济贸易制裁、法律法规。
保险公司在本合同项下承担保险责任的前提是以下所有要求均被满足：
1. 商品的交货地址必须为受保人在中国境内的通信地址。
2. 商品必须有卖方或指定的运输公司提供和分配的运单号。
3. 受保人必须采取所有合理且必要的措施，及时要求卖方发送替换商品或要求卖方退还受保人购买商品支付的款项。
4. 对于未交付网购商品的索赔，受保人必须以书面形式将商品尚未交付通知卖方，并要求发送替换商品或全额退款。
5. 在受保人收到了未交付商品的赔款后，如受保人购买的商品最终送达，则受保人必须将收到的所有赔款退还保险公司。
6. 对于交付商品存在功能故障的索赔，受保人必须在收到商品后 48 小时内通知卖方和保险公司。
7. 受保人应配合保险公司工作，协助保险公司行使受保人或保险公司就受保人的索赔所可能享有的任何合法权利。
8. 银行卡必须始终处于开户、有效状态，且信誉良好，以便接收该保单合同项下赔付的保险金。
一旦受保人不再是约定的银行卡持卡人，该保单合同对该受保人所提供的保障即行终止。但对于终止前已发生的保险事故，保险公司按保险合同规定承担赔偿责任。
1. 索赔通知：服务申请 / 索赔的书面通知必须在事件发生之日起的不超过九十（90）天之内提供。倘若未能在事件发生之日起的九十 (90) 天内向下文所列的索赔部门提供通知，则可能导致索赔被拒绝。请登录 ▇▇▇▇▇://▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ 如需提交索赔。索赔资料相关问题可咨询索赔服务提供者：
▇▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇-▇ ▇广州中心 10 楼 04-07 单元邮编：510030
传真：+8620-2882 5818
电子邮箱：▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇-▇▇@▇▇▇.▇▇▇
2. 索赔证明文件：
受保人向保险公司提出索赔时，应提交下列文件和资料：
a) 本人签署的理赔申请表（如适用）；
b) 持卡人的对账单或购买收据的副本，证明被保险购物的全部款项均使用银行卡进行付款；
3. 举证责任：被保险人有责任向保险人提供有关索赔评估损失的充分证据。
4. 索赔款项支付：所有索赔款项仅由保险人支付给合格持卡人。任何赔偿的支付均应受所在区域届时有效的法律和政府条例的约束。
5. 欺诈性索赔：如果索赔存在任何欺诈性，则对该索赔的所有索赔款项均应予以没收。
6. 适用法律与管辖区： 该保单受新加坡管辖并据此进行解释。
7. 制裁：如果根据适用于保险公司、其母公司或其最终控制实体的任何法律或法规，在保单起保之时或其后的任何时 间，由于受保人违反了适用的禁令或制裁，向受保人提供承保是或将是不合法的，则为了避免违反该等禁令或制裁，保险公司将不会提供任何承保并且无须承担任何责任，亦不会向受保人提供任何抗辩或为抗辩成本支付任何款项或代表受保人提供任何形式的保障。
MASTERCARD CHINA
World Mastercard for Business and World Business Debit Mastercard
DIGITAL BENEFITS
Insurance Coverage | Maximum Benefit Amount (RMB) |
E-Commerce Purchase Protection | Per Occurrence: 3,315 Annual Aggregate: 3,315 |
Terms and Conditions SUMMARY OF COVER
E-COMMERCE PURCHASE PROTECTION INSURANCE TERMS & CONDITIONS
SECTION I DEFINITIONS
Damage: items that can no longer perform the function they were intended for due to broken parts or material or structural failures due to an accident.
Annual Aggregate Limit: the maximum amount of benefit per Cardholder under the E-Commerce Purchase Protect insurance
Cardholders/Insured Persons: all individuals who have been issued an Eligible Card, including secondary or additional cardholders on the same account, in China mainland and where such Eligible Card is issued by a participating Issuer.
Goods: items, other than those listed in Coverage Exclusions below, purchased entirely with the Eligible Card and/or have been acquired with points earned by a rewards program associated with the Eligible Card.
Eligible Card: a participating Issuer’s Mastercard World Mastercard for Business and World Business Debit Mastercard.
Insurer/We/Us/Our: means the insurance company specified in the Policy Schedule.
Issuer: a bank or financial institution or like entity to operate a credit card program in China mainland and is participating in the insurance offering to Cardholders.
Per Occurrence Limit: the maximum amount of benefit available under the E-Commerce Purchase Protect for any single Covered Purchase.
Covered Purchase: legally purchased using the Cardholders Eligible Card.
Policy: means this insurance contract between the Policyholder and Us, including all terms and conditions herein, Policy Schedule, application form and any endorsement issued under the Policy.
Excess: a monitory contribution You are required to pay towards a claim you make on the Policy
Policy Period means Policy coverage period commencing from 0:00 hours of the inception date and ending on the 24:00 hours of the expiration date as specified on the Policy Schedule.
Policyholder means the person who has applied for this insurance to Us, and whose application has been accepted by Us.
War: any declared or undeclared war or any warlike activities, including use of military force by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends.
SECTION II COVERAGE
Subject to the coverage, limits and conditions specified in the policy schedule, We will cover You under E-Commerce Purchase Protect, and reimburse You for the following:
a. Non-delivery/and or incomplete delivery of Goods and shipping charges, that are purchased on the internet in China mainland: Goods are insured against non-delivery if the Goods have not been delivered within 30 days from the date of purchase, unless so otherwise stated by seller, date and the Seller has failed to refund You to Your credit card, or Your online third-party payment account within 60 days from the date of purchase, in excess of other applicable insurance.
b. Improper functioning due to damage of delivered Goods: the delivered Goods purchased on the internet in China mainland are insured against improper functioning, which are not to functioning as designed and intended by the manufacture as a result of physical damage during the delivery, if the Seller or Courier has failed to refund You to Your credit card, or Your online third-party payment account within 60 days of delivery, in excess of other applicable insurance.
SECTION III EXCLUSIONS
The Policy does not provide coverage for any of the following:
1) Any motor vehicle, airplanes, boats, automobiles, motorcycles, watercraft and any equipment, parts or accessories;
2) We will not pay for any claim, expenses or loss under this section in connection with:
a. lawful confiscation by Police, Government Agencies, Courts or other empowered authorities;
b. any fraudulent or willful act by You.
3) We shall not be liable to pay any claim under this Section for non-delivery of or in connection with:
a. animals or plant life;
b. cash, bullion, negotiable instruments, shares, travelers checks, or tickets of any description (including but not limited to tickets for sporting and entertainment events, and travel) ;
c. consumable or perishable items (including but not limited to food, flowers, drink, drugs, nutrition supplements);
d. Goods purchased for commercial use including items purchased for re-sale or tools of trade or profession;
e. Access to internet websites, software or data files downloaded off the internet including music files, photos, reading material, books and movies;
f. services provided via the Internet such as cinema tickets, air tickets, hotel bookings, car rental, financial advice;
g. Goods purchased from a natural person either through a private transaction or an online auction website.
h. Counterfeit or fake goods
i. loss or damage due to a natural catastrophe, atmospheric or climatic conditions, wear and tear, depreciation, gradual deterioration, water, pollution or contamination of any kind, manufacturing defects or inherent vice, vermin, insects, termites, mold, wet or dry rot, bacteria, rust, cleaning, servicing, maintenance, adjustment or repairs;
j. losses due to mechanical failure, electrical failure; software or data failure;
k. loss of data;
l. Goods which are used goods, damaged goods or second-hand goods at the time of purchase;
m. permanent household and/or business fixtures, including but not limited to carpeting, flooring and/or tiling, air conditioners, refrigerators, or heaters;
n. Goods used for, or intended to be used for, commercial, retail and/or property rental, or other business purposes;
o. items that You have rented or leased;
p. items that were, at the time of purchase, used, rebuilt, refurbished, or remanufactured;
q. Shipping and or handling expenses or installation and/or assembly related costs
r. art, antiques, firearms and collectable items;
s. furs, watches, jewelry, gems, precious stones and articles made of or containing gold (or other precious metals and/or precious stones);
t. the costs or charges which do not relate to any purchase, which You paid for using Your credit card;
u. Any loss or damage caused by civil or foreign War, invasion, strike, riot, rebellion, civil commotion and Terrorist Act;
v. Any loss or damage caused by radioactivity, atomic fission or atomic fusion, either controlled or not, or nuclear incident
w. misplacement;
x. mysterious disappearance; or
y. goods deemed to be illegal by local government authorities.
4) The Insurer will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose the Insurer, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation.
SECTION IV CONDITIONS
To be eligible for coverage under the E-Commerce Purchase Protect section the following needs to be present or to have occurred.
1. The delivery address for the Goods must be to Your postal address in China.
2. A shipment tracking number must be assigned and provided by the seller of the Goods or a designated transportation company
3. You must take all necessary reasonable action in time against the seller to send replacement Goods or refund the purchase amount to You.
4. You must have informed the Seller in writing of the Non-delivery of Goods and demanded replacement Goods or a full refund and the Goods have not been delivered.
5. In the event that a claim for non-delivery is paid to You, and the original Goods eventually arrive, You should pay back any indemnity received to Us.
6. In the event that a claim is submitted for improper functioning due to damage of delivered Goods- You shall notify the seller
of the Goods and Us within 48 hours of delivery.
7. You will cooperate with us and help us to enforce any legal rights You or we may have in relation to Your claim.
8. The Eligible Card must remain open, valid and in good standing for payments to be made during the Policy Period.
The coverage under the Policy will be terminated immediately once the insured person is no longer a cardholder of the issuer. But for the insurance accident that has occurred before the termination, the insurer shall be liable for compensation in the insurance contract
SECTION V GENERAL PROVISIONS
1. Notice of Claim: Written notice of claim must be given no later than ninety (90) days from the date of the incident. Failure to give notice within ninety (90) days from the date of the incident may result in a denial of the claim. To file a claim, log on to ▇▇▇▇▇://▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇, or contact the Insurer at:
South China Regional Claims Center AIG Insurance Company China Limited
▇▇▇▇▇ ▇▇-▇▇, ▇▇/▇, ▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇, ▇▇▇-▇ ▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇.▇.▇. China 510030 Fax: +8620-2882 5818
Email: ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇-▇▇@▇▇▇.▇▇▇
2. Proof of Loss:
The Cardholder must provide to the Insurer:
a) a signed claim form, if provided;
b) The Cardholder's statement of account or a copy of purchase receipt showing payment of the Covered Purchases which was made entirely with the Eligible Card;