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1、1,【教学目的与要求】1、掌握保险单据的种类及主要内容 2、了解投保单的填写 3、读懂信用证中有关的保险单据的条款 4、掌握根据信用证或合同内容缮制投保单 5、掌握在信用证项下保险单的缮制【教学重点】投保单、保险单的缮制【教学难点】掌握在信用证项下保险单的缮制,项目七 保险单据,2,背景介绍,在CIF条件下，由出口商在本国保险公司办理出口货物运输保险。上海进出口贸易公司需根据合同与信用证保险条款的规定办理出口货物运输保险。对此小李先根据要求缮制了投保单，向中保财产有限公司上海分公司办理了保险手续。,项目七 保险单据,3,项目七 保险单据,任务一认识保险单据,任务二 缮制投保单,任务三 缮制保险
2、单,保险流程保险单的种类保险单的作用常用保险条款,投保单解读投保单缮制实例,保险单的解读保险单缮制实例,4,任务一 认识保险单据,一、保险流程（概述）,保险单据是保险公司向投保人签发的、证明保险有关当事人（保险人、投保人和受益人等）权利、义务、责任关系的证明书。,5,二、保险单的种类,1、保险单(Insurance Policy)保险单俗称“大保单”，它是一种独立的保险凭证，一旦货物受到损失，承保人和被保人都要按照保险条款和投保险别来分清货损，处理索赔。2、保险凭证(Insurance Certificate)保险凭证俗称“小保单”，是一种较简单的保险凭证。这种保险凭证格式简单。但它与海上保险
3、单具有同等的法律效力。,6,3、联合保险凭证(Combined Insurance Certificate)联合保险凭证利用商业发票在上面加盖保险章，注明保险编号、险别、金额、装载船名、开船日期等，以此作为保险凭证。它与保险单有同等效力，但不能转让。4、预约保险单(Open Policy)预约保险单是保险公司承保被保险人在一定时期内发运的、以CIF价格条件成交的出口货物或以FOB、CFR价格条件成交的进口 货物的保险单。,7,三、保险单的作用,1、保险合同证明 保险单是合格的保险合同证明。2、赔偿证明 保险单是赔偿权的证明文件。,8,四、信用证常用保险条款 信用证中的保险条款一般采用的表达方式
4、为：保险单/保险凭证+份数+出单/背书+可转让形式+投保金额+险别+保险依据+保险范围+赔付地点+赔付币种。（注：这些内容并不一定会同时出现在保险条款中）,9,1、Marine Insurance Policy or Certificate in duplicare,endorsed in blank,for full invoice value plus 10 percent stating claim payable in tahiland covering fpa as per Ocean Marine Cargo Clause of The PeopleS Insurance Comp
5、any of China dated 1/1 1981,including T.P.N.D.loss and/or damage caused by heat,ships sweat and odoour,hoop-rust,breakage of packing.保险单或保险凭证一式二份，空白背书，按发票金额加10%投保，声明在泰国赔付，根据中国人民保险公司1981年1月1日的海洋保险条款投保平安险，包括偷窃提货不着，受热船舱发汗，串味、铁箍绣损，包装破裂所导致的损失。,10,2、Insurance Ploicies or Certificate in duplicate endorsed
6、in blank of 110%of invoice value covering All Risks and War Risks as per CIC with claims payable at Singapore in the cruuency of draft(irrespective of percentage),including 60 days after discharges of the goods at port of destination(of at station of destination)subject to CIC.保单或保险凭证做成空白背书，按发票金额的11
7、0%投保中国保险条款的一切险和战争险，按汇票所使用的货币在新坡赔付（无免陪率）并根据中国保险条款，保险期限在目的港卸船（在目的地车站卸车）后60天为止。,11,3、Insurance Policies of Certificate in two fold issued to the applicant,covering risks as per Institute Cargo Clauses(A),and Institute War Clause(Cargo)including Warehouse To Warehouse up to final destinantion at schornd
8、orf for at least 110 of CIF value，marked premium paid showing claims if any payable in Germany，naming settling agent in Germany.此保单或保险凭证签发给开证人，按伦敦保险协会条款投保ICC(A)，和协会战争险，包括仓至仓条款到达最后目的地SCHORNDORF，至少按CIF价发票金额投保，标明保费已付，注明在德国赔付，同时表明在德国理赔代理人的名称。,12,任务二 缮制投保单,一、什么是投保单 投保单又称“投保书”、“要保书”，投保人向保险人申请顶立保险合同的书面要约。投
9、保单本身并非正式合同的文本，但一经保险人接受后，即成为保险合同的一部分。,13,二、投保单解读,进出口货物运输保险投保单Application Form for I/E Marine Cargo Insurance,装载运输工具_航次、航班或车号_开航日期_Per Conveyance Voy.No.Slg.Date自_至_转运地_赔款地_From To W/Tat Claim Payable at承保险别：投保人签章及公司名称、电话、地址：Applicants Signature and Co.s Name,Add.Tel.No.备注：投保日期：Remark:Date,14,三、投保单缮制实
10、例,1、资料如下：卖 方：SHANGHAI IMPORT&EXPORT TRADE CORPORATION 1321 NORTH ZHONGSHAN ROAD，SHANGHAI,CHINA买 方：TAKADA CORPORATION 67，KAWARAMACHI，OSAKAJAPAN合同编号：TXT264货 名：中国绿茶(CHINESE GREEN TEA)单 价：ART.NO.555 USD 110.00KG，ART.NO.666 USD 100.00KG ART.NO.777 USD 90.00KG CIF OSAKA,15,数 量：ART.NO.555 100KGS，ART.NO666
11、110 KGS，ART.NO.777 120 包 装：每5公斤装1箱(PACKED IN CARTONS OF FIVE KGs EACH)装运期限：最迟不晚于2008年6月20日(NOT LATER THAN JUNE 20，2008)装 运 港：上海港(SHANGHAI PORT)目 的 港：大阪港(OSAKA PORT)船名航次：HUANGHE V.503 保 险：按发票价的110投保一切险和战争险(FOR 110 PER CENT OF THE INVOICE VALUE COVERING ALL RISKS AND WAR RISK AS PER PICC DATE 1/1/1981
12、),16,2、缮制投保单,进出口货物运输保险投保单Application Form for I/E Marine Cargo Insurance,装载运输工具_航次、航班或车号_开航日期_Per Conveyance Voy.No.Slg.Date自_至_转运地_赔款地_From To W/Tat Claim Payable at承保险别：投保人签章及公司名称、电话、地址：Applicants Signature and Co.s Name,Add.Tel.No.备注：投保日期：Remark:Date,17,中保财产保险公司有限公司上海分公司The Peoples Insurance(Prop
13、erty)Company of China,Ltd.Shanghai Branch进出口货物运输保险投保单Application Form for I/E Cargo Insurance,保险公司填写：保单号 费率：核保人：,被保险人Assureds name SHANGHAI IMPORT&EXPORT TRADE CORPORATION,装载运输工具 HUANGHE 航次、航班或车号 V.503 开航日期 JUNE 10.2008Per Conveyance Voy.No.Slg.Date自 NANJING 至 OSAKA 转运地_ 赔款地 OSAKA From To W/Tat Clai
14、m Payable at承保险别：FOR 110%OF THE INVOICE VALUE COVERING ALL RISKS AND WAR RISK Condition&/or AS PER PICC DATE1/1/1981投保人签章及公司名称、电话、地址：Applicants Signature and Co.s Name,Add.Tel.No.1321 NORTH ZHONGSHAN ROAD,NANJING.02565788877备注：投保日期：2008.06.04Remark:Date,18,3、任务点评（1）保险加成率未在具体单证中做出规定时，一般默认为10%。若买方要求提高
15、保险加成率，则须经保险公司同意后方可进行操作，增加的费用由买方自行承担。（2）保险金额在填写时，要注意小数点后的尾数要取整。,19,任务三 缮制保险单,一、保险单的解读,海洋货物运输保险单 MARINE CARGO TRANSPORTATION INSURANCE POLICY发票号次：保险单号次：INVOICE NO：POLICY NO:被保险人：Insured:中保财产保险有限公司（以下简称本公司）根据被保险人的要求及其所缴付约定的保险费，按照本保险单承担的险别和背面所载条款与下列货物运输保险，特此签发本保险单。This policy of insurance witnessed that
16、 The Peoples Insurance of China,Ltd.(hereinafter called“the Company”),at the request of the Insured and consideration of the premium paid of the Insured,undertakes to insure the under-mentioned goods In transportation subject to the condition of this Policy as per the Clauses printed overleaf and ot
17、her special clauses attached hereon.,20,总保险金额：Total Amount Insured:保费 装载运输工具 开航日期Premium Per Conveyance S.S.Slg.on or Abt.:起运港 目的港From To 承保险别:Conditions:所保货物，如发生本保险单项下可能引起索赔的损失货损坏，应立即通知本公司下述代理人查勘。如有索赔，应向本公司提交保险单正本（保险单共有2份正本）及有关文件。如一份正本已用于索赔，其余正本则自动失效。In the event of loss of damage which may result
18、in a claim under this Policy,immediate notice must be given to the Companys Agent as mentioned hereunder.Claims,if any,one of the Original Policy which has been issued in TWO Original(s)together with the relevant documents shall be surrendered to the Company.If one of the Original Policy has been ac
19、complished,the others are to be void.中保财产保险有限公司 THE PEOPLES INSURANCE(PROPERTY)COMPANY OF CHINA,LTD.General Manager:赔款偿付地点CLAIM PAYABLE AT DATE_,21,二、保险单的填制,卖 方：SHANGHAI IMPORT&EXPORT TRADE CORPORATION 1321 NORTH ZHONGSHAN ROAD，SHANGHAI,CHINA买 方：TAKADA CORPORATION 67，KAWARAMACHI，OSAKAJAPAN合同编号：TXT26
20、4货 名：中国绿茶（CHINESE GREEN TEA）单 价：ART.NO.555 USD 110.00KG，ART.NO.666 USD 100.00KG ART.NO.777 USD 90.00KG CIF OSAKA数 量：ART.NO.555 100KGS，ART.NO666 110 KGS，ART.NO.777 120,22,包 装：每5公斤装1箱（PACKED IN CARTONS OF FIVE KGs EACH）装运期限：最迟不晚于2008年6月20日（NOT LATER THAN JUNE 20，2008）装 运 港：上海港（SHANGHAI PORT）目 的 港：大阪港（
21、OSAKA PORT）船名航次：HUANGHE V.503 保 险：按发票价的110投保一切险和战争险(FOR 110 PER CENT OF THE INVOICE VALUE COVERING ALL RISKS AND WAR RISK AS PER PICC DATE 1/1/1981),23,中保财产保险有限公司 THE PEOPLES INSURANCE(PROPERTY)COMPANY OF CHINA,LTD.发票号次：保险单号次 INVOICE NO：X0522 POLICY NO:SH04310 海洋货物运输保险单 MARINE CARGO TRANSPORTATION I
22、NSURANCE POLICY被保险人：Insured:SHANGHAI IMPORT&EXPORT TRADE CORPORATION 中保财产保险有限公司（以下简称本公司）根据被保险人的要求及其所缴付约定的保险费，按照本保险单承担的险别和背面所载条款与下列货物运输保险，特此签发本保险单。This policy of insurance witnessed that The Peoples Insurance of China,Ltd.(hereinafter called“the Company”),at the request of the Insured and considerati
23、on of the premium paid of the Insured,undertakes to insure the under-mentioned goods in transportation subject to the condition of this Policy as per the Clauses printed overleaf and other special clauses attached hereon.,24,总 保 险 金 额：Total Amount Insured:SAY US DOLLARS THIRTY SIX THOUSAND EIGHT ONL
24、Y 保费 装载运输工具 开航日期Premium ASARRANGED Per Conveyance S.S.HUANGHE V.503 Slg.on or Abt JUNE 10.08起运港 目的港From SHANGHAI To OSAKA 承保险别:Conditions:FOR 110%OF THE INVOICE VALUE COVERING ALL RISKS AND WAR RISKS AS PER PICC DATE 1/1/1981 所保货物，如发生本保险单项下可能引起索赔的损失货损坏，应立即通知本公司下述代理人查勘。如有索赔，应向本公司提交保险单正本（保险单共有2份正本）及有关
25、文件。如一份正本已用于索赔，其余正本则自动失效。In the event of loss of damage which may result in a claim under this Policy,immediate notice must be given to the Companys Agent as mentioned hereunder.Claims,if any,one of the Original Policy which has been issued in TWO Original(s)together with the relevant documents shall
26、 be surrendered to the Company.If one of the Original Policy has been accomplished,the others are to be void.中保财产保险有限公司 THE PEOPLES INSURANCE(PROPERTY)COMPANY OF CHINA,LTD.General Manager:王琳,25,赔款偿付地点、币种CLAIM PAYABLE AT：OSAKA,IN USD 日期 在DATE JUNE 5,2008_ AT SHANGHAI 地址 THE PEOPLES INSURANCE(PROPERTY
27、)COMPANY OF CHINA,LTD.OSAKA BRANCHADDRESS:98LSKL MACHI,OSAKA,JAPAN TEL:028-543675,3、任务点评 保险单一般是由根据投保单等相关内容进行缮制的，由保险公司盖章后生效。由于保险单可以通过背书进行转让，因此在具体缮制时还要根据信用证或合同中的相关规定进行背书。,26,独立完成项目,根据信用证条款将正确答案填在横线上,1、信用证条款：DOCUMENTS REQUIRED：INSURANCE POLICY/CERTIFICATE UNTO ORDER AND BLANK ENDORSED COVERING MARINE T
28、RANSPORTATION ALL RISKS，WAR RISKS AS PER INSTITUTE CARGO CLAUSES信用证未对保险单抬头作任何其他规定。则保险单抬头应为：_,27,2、信用证条款：DOCUMENTS REQUIRED：INSURANCE POLICY COVERING MARINE TRANSPORTATION ALL RISKS，WAR RISKS AS PER INSTITUTE CARGO CLAUSES 信用证未对投保比例作任何其他规定。发票显示货物CIF总价为USDl00,000.00，则保险单最低投保比例应为：_,独立完成项目,28,3、信用证条款：L/
29、C AMOUNT:USD550,000.00 DOCUMENTS REQUIRED:INSURANCE POLICY/ERTIFICATE BLANK ENDORSED COVERING MARINE TRANPORTATION ALL RISKS,WAR FISKS AS PER ICC(A).信用证未对保险投保金额做出任何其他规定。发票显示：TOTAL MERCHANDISE VALUE USD1,100,000.00 LESS ADVANCE PAYMENT USD550,000.00 NET DUE UNDER THE LETTER OF CREDIT USD550,000.00 保险
30、单据投保金额最少应为：_,独立完成项目,29,4、信用证条款：DOCUMENTS REQUIRED:INSURANCE POLICY/CERTIFICATE BLANK ENDORSED COVERING MARINE TRANSPORTATION ALL RISKS,WAR RISKS AS PER ICC(A)信用证未对保险单据份数作任何其他规定。保险单据上未注明：NO.OF ORIGINALS ISSUED:THREE 向银行提交的正本保险单据份数最少应为：_,独立完成项目,30,5、信用证条款：DOCUMENTS REQUIRED:INSURANCE POLICY/CERTIFICAT
31、E UNTO ORDER AND BLANK ENDORSED COVERING MARINE TRANSPORT ALL RISKS,WAR RISKS AS PER INSTITUTE CARGO CLAUSES FOR 110PCT OF INVOICE VALUE WITH CLAIMS PAYABLE AT DESTINATION.信用证未对报销单据投保日期作任何其他规定。报销单据无任何保险投保日期的相关陈述。提单显示：ON BOARD DATE 为 AUGUST8,2004,ISSUING DATE 为 AUGUST 7,2004,保险单据的投保日期最迟为：_,独立完成项目,31,
