14. Home care and in-house care undertaken to the Insured.

　15. Teeth washing, teeth cleaning, optometry, ocular prosthesis, armature prosthesis, and installation of artificial limb and hearing-aid.

　16. Treatment and rehabilitation of disability existed prior to the Insured's application.

　17. The Insured's hospital transfer without the Company's prior consent.

　18. The Insured leaving the sites of sightseeing arranged by the tourism agency or taking transportation means other than that of the tourism agency.

　Article 5. Insurance Period

　1. The Insurance Period of the Policy covering the tourists entering China commences from the time the Insured enters China and takes part in the itinerary arranged by the tourism services, and terminates at the time the Insured completes exit formalities to departing China and ends the journey.

　2. The Insurance Period of the Policy covering the tourists travelling domestically or abroad commences from the time the Insured boards on the transportation vehicle arranged by tourism services at specified time, and terminate at the time the Insured leave the transportation vehicle arranged by tourism services to end the journey.

　3. The Insurance Period ends at the tome the Insured ceases the specified itinerary when the Policy is in force.

　Article 6. Insurance Benefits and Premium

　Please refer to the appendix for the Schedule of Premium Rate.

　Article 7. Disclosure and Representation

　If the disclosure made by the Applicant/Insured is intentionally untrue in any respect or is untrue because of mistake on the part of the Insured/applicant, the Company has the right to void the Contract when such unfaithful disclosure and representation affects the Company underwriting decision.

　The Company shall not be held liable for any accident occurred before the policy is declared void, and the premium paid will not be refunded if the misrepresentation and unfaithful disclosure is made intentionally by the applicant/Insured. If the Applicant/Insured fails unintentionally to disclose fully all pertinent information which later found to be critical to the occurrence of the covered event, the Company is not liable for any such event occurred before the Policy is declared void.

　Article 8. Beneficiary Designation and Alteration.

　Only the heir of the Insured is entitled to the death benefit; Only the Insured is entitled to the disability and medical benefits and no other beneficiary designation or alteration will be accepted by the Company.

　Article 9. Notice of Claim

　 Written Notice of Claim must be delivered to us by the Insured, the Applicant or the Beneficiary within 5 days of the accident causing the injury or within 5 days that the claimant should reasonably know of the accident. Otherwise, the Insured, Applicant or Beneficiary will be held liable to all added expenses arising from claim handling and investigation due to the delay in notification.

　Article 10. Benefits Claim Requirements

　A. Upon the death of the Insured, the named Beneficiary must complete the Benefit Application Form and furnish the Company with the following proofs and materials on claiming for the death benefit:

　1. The Policy;

　2. Residence certificate or identity certificate of the applying Beneficiary;

　3. Evidences of premium payment;

　4. Death certificate of the Insured issued by the local Public Security Bureau or a hospital approved by the Company, accident investigation report;

　5. A copy of the People's Court Decree declaring the death of the Insured in an accident;

　6. The accident proof issued by the tourism regulatory body;

　7. Other evidences and materials pertain to the nature and cause of the accident as requested by the Company.

　B. In case that the Insured is ascertained as disabled, the Insured may apply for the disability benefit by completing the Benefit Application Form and submitting it to the Company with the following proofs and materials:

　1. the Policy;

　2. residence certificate or identity certificate of the Insured;

　3. disability appraisal certificate furnished by the hospital designated or approved by the Company;

　4. the accident proof issued by the tourism regulatory body;

　5. other materials helpful to determine the nature, cause and extent of loss as requested by the Company.

　C. To recover the medical expenses paid by the Insured, the Insured should apply for the disability benefit by completing the Benefit Application Form and submitting it to the Company with the following proofs and materials:

　1. The Policy;

　2. Residence certificate or identity certificate of the Insured;

　3. Treatment record and medical bills receipts furnished by the hospital at or above the county level or other hospitals designated or approved by the Company;

　4. Other materials helpful to determine the nature, cause and extent of loss as requested by the Company.

　D. If the claim is accepted by the Company, the Company shall, upon receiving the aforesaid claim form, certificates and evidences, make benefit payment within 10 days after the amount is agreed upon by the two parties. For claims not covered by the Policy, a non-payment notice will be sent to the claimant.

　E. If the amount of benefit to be paid cannot be decided within 60 days after receiving the aforesaid certificates and materials, the Company will indemnify the applicant the minimum amount that can be decided on the basis of the existing materials. The difference, if any, will be paid when the benefit amount is finalized.

　F. If the Insured, after being declared dead by the court, returns alive, the benefit recipient must return the benefit paid by the Company within 30 days after he or she knows of or should reasonably know of the Insured's return.

　G. The Insured's or the Beneficiary's claim to the policy benefit will expire if it is not exercised within 2 years from the date he knows of or should reasonably know of the occurrence of the accident.

　Article 11. Policy Termination Settlement

　The Policy cannot be terminated by the Insured after the Policy goes into effect.

　Article 12. Settlement of Disputes

　Any disputes arising in the implementation process of the Policy should first be settled through negotiations. If no agreement can be reached, it should be resorted to arbitration according to the arbitration agreement originally reached. In case of absence of any such valid agreement, the disputes will be submitted to the People's Court that has jurisdiction over the policy issuing place for consideration.

　Article 13. Definitions

　Acute Diseases: Acute Disease means the disease diagnosed by the hospital at or above county level to undertake emergent treatment.

　Force Major: Force major means any objective circumstances that cannot be foreseen, avoided, or conquered.

　Accidental Injury: Accidental Injury means any objective incident that is sudden, violent, external and unintentional, resulting in serious bodily injury to the Insured.

　Scuba Diving: Scuba Diving means any underwater swimming in the river, lake, sea, water reservoir and canal etc. with the help of respiratory instruments.

　Rock Climbing: Rock Climbing means climbing as a sport of a steep cliff, the outside wall of a building, man-made cliff, ice cliff and iceberg etc..

　Martial Art Contest: Martial Art Contest means any competitive martial arts such as judo, free-hand boxing, taekwondo, free sparring, and boxing etc. between two or more people and other competitive sports with apparatuses.

　Exploring Sport: Exploring Sport refers to the involvement in certain activity such as drifting down a torrential river, crossing the desert on foot or traveling in a remote virgin forest, though the person is aware of the danger of losing his/her life or sustaining bodily injury under such special natural conditions.

　Stunt Performance: Stunt performance means any such special skills as horsemanship, acrobatic gymnastics and animal taming.

　The Company: The Company refers to China Life Insurance Company.

　China Life Tourist Accident/Casualty Insurance

　Appendix 1:

　The Sum Insured Schedule Currency Unit: 10 thousand RMB