<p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <img src="https://yixiaoer-img.oss-cn-shanghai.aliyuncs.com/20230222/1f222dd8-83a5-4092-89a3-d826dd985995.jpg" /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <br /> </p> <p style="text-align:justify;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;"> <span style="font-size:16px;">1.运险终止</span> </p> <p> <div style="color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;text-align:justify;"> <span style="font-size:16px;">（1）对出口货运险</span> </div> <div style="color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;text-align:justify;"> <span style="font-size:16px;">下述两点以先满足为准。</span> </div> <div style="color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;text-align:justify;"> <span style="font-size:16px;">⒈ 自被保险货物运离保险单所载明的起运地仓库或储存处所开始运输时生效，直至该货物到达保险单所载明的目的地收货人的最后仓库或储存处所时终止。</span> </div> <div style="color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-size:16px !important;text-align:justify;"> <span style="font-size:16px;">⒉ 被保险货物在最后卸载港全部卸离海轮后满60天。</span> </div> <div style="text-align:justify;"> <span><br /> </span> </div> <span> <div style="text-align:justify;"> <span><span style="font-size:16px;">（2）</span></span><span style="font-size:16px !important;color:rgba(0, 0, 0, 0.65);font-family:-apple-system, BlinkMacSystemFont, "background-color:#FFFFFF;font-weight:bolder;">对进口货运险</span> </div> </span> <div style="text-align:justify;"> <br /> </div> <span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">根据国际保险惯例，保险责任自被保险货物运上运输工具(越过船舷)起开始生效，直至该货物到达保险单所载明的目的地收货人的最后仓库或储存处所时终止(散装货物一般以到达保单载明的目的港仓库或储存场地时终止)。</span> </div> </span> <div style="text-align:justify;"> <br /> </div> <span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">1、索赔时须提供哪些单证?</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">向中国人民保险公司提出索赔时，必须提供下列单证:</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">保单正本、提单、发票、装箱单、磅码单、检验报告、损失证明、索赔清单及向第三者责任方追偿的有关单证或文件。</span> </div> </span> </p> <p> <div style="text-align:justify;"> <span><br /> </span> </div> <span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">2.保险金额</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">货物运输保险的保险金额按不同种类分别约定:</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">一、国内货物运输保险业务</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">按启运地成本价或者协商价确定。其中启运地成本价是指按货物在启运地购进时的成本价(以发票为准)或调拨价或购进价加运费、包装费、搬运费等来确定;协商价不得超过保险价值。一张投保单不同单价、不同品名的货物，保险金额应分别列明，同时须填写总保险金额。另外，也可按照增值税发票价计算保险金额，即保险金额=货价*(1+增值税)。</span> </div> </span> </p> <p> <div style="text-align:justify;"> <span><br /> </span> </div> <span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">二、出口货物运输保险业务</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">在国际贸易中广泛采用的装运港交货一般有三种价格:离岸价(船上交货价，即FOB价);成本加运费价(即CFR价);到岸价(包括成本加运费加保险费，即CIF价)。</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">一般来说，各国保险法及国际贸易惯例一般够规定出口货物运输保险的保险金额在CIF货价基础上适当加成，加成率一般是10%，也可以与被保险人约定不同的加成率，但一般不超过30%。保险金额=CIF货价*(1+加成率)。</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">如果是CFR报价，则应折算成CIF价，CIF=CFR/[1-(1+加成率)*保险费率];如果是FOB报价，则需先在FOB价中加入运费，变成CFR后，再折算成CIF价。</span> </div> </span> </p> <p> <div style="text-align:justify;"> <span><br /> </span> </div> <span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">三、进口货物运输保险业务</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">保险金额以进口货物的CIF价格为准，若要加成投保，可以加成10%为宜。若按CFR或FOB条件进口，则按特约保险费率和平均运费率直接计算保险金额。</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">按CFR进口时:保险金额=CFR价格*(1+特约保险费率);按FOB进口时:保险金额=FOB价格*(1+平均运费率+特约保险费率)。</span> </div> </span> </p> <p> <div style="text-align:justify;"> <span><br /> </span> </div> <span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">3.术语</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">Insurance policy (or certificate)保险单(或凭证)</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⒈risks & coverage 险别</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑴free from particular average (f.p.a.)平安险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑵with particular average (w.a.)水渍险(基本险)</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑶all risk一切险(综合险)</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑷total loss only (t.l.o.)全损险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑸war risk战争险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑹cargo(extended cover)clauses 货物(扩展)条款</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑺additional risk附加险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑻from warehouse to warehouse clauses仓至仓条款</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑼theft,pilferage and nondelivery (t.p.n.d.) 盗窃提货不着险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑽rain fresh water damage淡水雨淋险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑾risk of shortage短量险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑿risk of contamination 沾污险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⒀risk of leakage渗漏险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⒁risk of clashing & breakage碰损破碎险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⒂risk of odour串味险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⒃damage caused by sweating and/or heating受潮受热险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⒄hook damage钩损险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⒅loss and/or damage caused by breakage of packing包装破裂险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⒆risk of rusting锈损险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⒇risk of mould 发霉险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(21)strike,riots and civel commotion (s.r.c.c.) 罢工、暴动、民变险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(22)risk of spontaneous combustion自燃险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(23)deterioration risk 腐烂变质险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(24)inherent vice risk 内在缺陷险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(25)risk of natural loss or normal loss 途耗或自然损耗险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(26)special additional risk特别附加险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(27)failure to delivery交货不到险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(28)import duty 进口关税险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(29)on deck 仓面险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(30)rejection拒收险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(31)aflatoxin黄曲霉素险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(32)fire risk extension clause-for storage of cargo at destination hongkong,including kowloon,or macao 出口货物到香港(包括九龙在内)或澳门存仓火险责任扩展条款</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(33)survey in customs risk海关检验险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(34)survey at jetty risk码头检验险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(35)institute war risk 学会战争险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(36)overland transportation risks 陆运险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(37)overland transportation all risks 陆运综合险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(38)air transportation risk 航空运输险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(39)air transportation all risk 航空运输综合险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(40)air transportation war risk 航空运输战争险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(41)parcel post risk邮包险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(42)parcel post all risk 邮包综合险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(43)parcel post war risk邮包战争险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(44)investment insurance(political risks)投资保险(政治风险)</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(45)property insurance财产保险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(46)erection all risks安装工程一切险</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">(47)contractors all risks建筑工程一切险</span> </div> </span> </p> <p> <div style="text-align:justify;"> <span><br /> </span> </div> <span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⒉the stipulations for insurance保险条款</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑴marine insurance policy 海运保险单</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑵specific policy 单独保险单</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑶voyage policy 航程保险单</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑷time policy 期限保险单</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑸floating policy (or open policy)流动保险单</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑹ocean marine cargo clauses 海洋运输货物保险条款</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑺ocean marine insurance clauses (frozen products)海洋运输冷藏货物保险条款</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑻ocean marine cargo war clauses 海洋运输货物战争险条款</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑼ocean marine insurance clauses (woodoil in bulk)海洋运输散装桐油保险条款</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑽overland transportation insurance clauses (train,trucks) 陆上运输货物保险条款(火车、汽车) ⑾overland transportation insurance clauses (frozen products) 陆上运输冷藏货物保险条款</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⑿air transportation cargo insurance clauses 航空运输货物保险条款</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⒀air transportation cargo war risk clauses 航空运输货物战争险条款</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⒁parcel post insurance clauses 邮包保险条款</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⒂parcel post war risk insurance clauses 邮包战争保险条款</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">⒃livestock & poultry insurance clauses (by sea,land or air)</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">活牲畜、家禽的海上、陆上、航空保险条款</span> </div> </span> </p> <p> <div style="text-align:justify;"> <span><br /> </span> </div> <span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">3.特点</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">一、被保险人的多变性</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">承保的运输货物在运送保险期限内可能会经过多次转卖，因此最终保险合同保障受益人不是保险单注明的被保险人，而是保单持有人(Policy Holder)。</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">二、保险利益的转移性</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">保险标的转移时，保险利益也随之转移。</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">三、保险标的的流动性</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">货物运输保险所承保的标的，通常是具有商品性质的动产。</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">四、承保风险的广泛性</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">货物运输保险承保的风险，包括海上、陆上和空中风险，自然灾害和意外事故风险，动态和静态风险等。</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">五、承保价值的定值性</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">承保货物在各个不同地点可能出现的价格有差异，因此货物的保险金额可由保险双方按约定的保险价值来确定。</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">六、保险合同的可转让性</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">货物运输保险的保险合同通常随着保险标的、保险利益的转移而转移，无须通知保险人，也无须征得保险人的同意。保险单可以用背书或其他习惯方式加以转让。</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">七、保险利益的特殊性</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">货物运输的特殊性决定在货运险通常采用"不论灭失与否条款"，即投保人事先不知情，也没有任何隐瞒，即使在保险合同订立之前或订立之时，保险标的已经灭失，事后发现承保风险造成保险标的灭失，保险人也同样给予赔偿。</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">八、合同解除的严格性</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">货物运输保险属于航次保险，《保险法》、《海商法》规定，货物运输保险从保险责任开始后，合同当事人不得解除合同。</span> </div> </span> </p> <p> <div style="text-align:justify;"> <span><br /> </span> </div> <span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">4.程序</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">在国际货物买卖过程中，由哪一方负责办理投保海洋运输保险，应根据买卖双方商订的价格条件来确定。例如按F.O.B.条件和C.F.R.条件成交，保险即应由买方办理国际运输保险;如按C.I.F.条件成，就应由卖方办理国际运输保险。办理国际贸易运输保险的一般程序是:</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">a.确定投保国际运输保险的金额</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">投保金额是诸保险费的依据，又是货物发生损失后计算赔偿的依据。按照国际惯例，投保金额应按发票上的C.I.F.的预期利润计算。但是，各国市场情况不尽相同，对进出口贸易的管理办法也各有异。向中国平安保险公司办理进出口货物运输保险，有按两种办法:一种是逐笔投保;另一种是按签订预约保险总合同办理。</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">b.填写国际运输保险投保单</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">保险单是投保人向保险人提出投保的书面申请，其主要内容括被保险人的姓名、被保险货物的品名、标记、数量及包装、保险金额、运输工具名称、开航日期及起讫地点、投保险别、投保日期及签章等。</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">c.支付保险费，取得保险单</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">保险费按投保险别的保险费率计算。保险费率是根据不同的险别、不同的商品、不同的运输方式、不同的目的地，并参照国际上的费率水平而制订的。它分为"一般货物费率"和"指明货物加费费率"两种。前者是一般商品的费率，后者系指特别列明的货物(如某些易碎、易损商品)在一般费率的基础上另行加收的费率。</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">交付保险费后，投保人即可取得保险单(insurancepolicy)。保险单实际上已构成保险人与保险人之间的保险契约，是保险人寻保险人的承保证明。在发生保险范围内的损失或灭失时，投保人可凭保险人要求赔偿。</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">d.提出索赔手续</span> </div> </span><span> <div style="text-align:justify;"> <span style="color:rgba(0, 0, 0, 0.65);font-size:16px;">当被保险的货物发生属于保险责任范围内的损失时，投保人可以向保险人提出赔偿要求。按〖INCOTERNS 1990〗E组、F组、C组包含的8种价格条件成交的合同，一般应由买方办理索赔。按〖INCOTERNS 1990〗D组包含的5种价格条件成交的合同，则视情况由买方或卖方办理索赔。</span> </div> </span> </p>