Provision 1 Insurance Term
The insurance term of this contract is from 7:00 A.M. to 5:00 P.M. 5th Jan, 2008

Provision 2 Eligibility
Athletes

Provision 3 Insurance Liability
During the insurance term of the contract, the insurance company will undertake the liabilities as follows:

I. Accidental Death Benefit:
In case that the insured dies from an accident within 30 days after the occurrence of the accident, the insurant will pay Accidental Death Benefit according to the benefit amount set in the insurance policy. The liability for this Insured is terminated.

II. Dismemberment Benefit:
In case that the insured is injured in an accident or acute-disease up to any of the dismemberment level in the Table of Indemnity within 180 days after the occurrence of the accident, the insurant will pay Dismemberment Benefit in accordance with the benefit percentage in the the Table of Indemnity. If the medical treatment will continue after 180 days, the insurant will pay the Accidental Dismemberment Benefit on the result of the insured's physical condition examination on the 180th day.

In case that the Insured is injured up to over two dismemberment levels in the Table of Indemnity in one accident or acute-disease, our Company will pay the sum of each Accidental Dismemberment Benefit. But when the different injuries occur in the same arm or foot, only one Accidental Dismemberment Benefit will be paid. When the different injuries, which occur in the same arm or foot, belong to different dismemberment grades, the Accidental Dismemberment Benefit will be paid only for the most serious grade.

In case that the Insured who was already disabled in an accident or acute-disease is injured in another one, and the combined injuries reach to a more serious dismemberment grade, he/she can get the Dismemberment Benefit for the most serious grade. But the already paid Dismemberment Benefit should be deducted (If the Insured was disabled before purchasing the Insurance or the injuries caused by the accident is excluded in the Contract, the Dismemberment Benefit will be regarded as already paid.) .

The Accidental Death Benefit and Disability Benefit for each Insured accumulate to the limit of the Benefit Amount set out in the Insurance Policy.

III. Medical Treatment Benefit:
In case that the insured suffers from an accident or acute-disease within the insurance term and gets medical treatment within 30 days after the occurrence of the accident, our company will pay the Accidental Medical Treatment Benefit to compensate for the actually and reasonably paid medical treatment fee over RMB100.

No matter how many accidents the insured meets with, Our company will pay the Accidental Medical Treatment Benefit separately according to the insurance policy. The total sum of the Accidental Medical Treatment Benefit accumulates to the limit of the Benefit Amount set out in the insurance policy. And at this time, our company's liability to this insured is terminated.

Our company will not pay for the medical treatment fee of the insured's injuries caused by the third party , which should be born by the third party legally.

If the insured person has other avenues of compensation, the Company's reasonable medical expenses only assume the remaining part of the insurance responsibility.

Accident: is in reference of the event that is external, sudden and against the will of the insured and non-disease leading to injury of the body.

IV. Acute-disease Death Benefit(including sudden death resulted from disease):
In case that the insured receives aid for Acute Disease for the first time during the marathon racing, and dies within 7 days since the occurrence of the disease (excluding deaths resulted from anamnesis), our company will pay The Acute-disease Death Benefit in accordance with the benefit amount set in the Insurance Policy.

Acute Disease means the disease that the insured suffered suddenly, for which the insured doesn't receive treatment and diagnosis before the contact becomes effective, and needs treatment in hospital at once.

Provision 4 Exclusion
1. The insurant will not pay any benefit when the Insured's death or dismemberment or medical treatment is caused by the following situations:

i. The deliberate action by the policyholder or the beneficiary that leads to the death or serious injuries of the insured;
ii. The insured deliberately resists arrest, commits a crime, suicide or self-inflicted injuries;
iii. The insured fights, is indulgent of alcohol, takes, sucks or injects drugs;
iv. The insured drives after drinking, without driving license or valid motorized vehicles driving license;
v. Parturition or abortion;
vi. The insured takes, applies or injects medicine against the doctor's instruction;
vii. The insured suffering from AIDS or being infected by aids virus (HIV positive);
viii. Active involvement in war, military action, riot or rebellion;
ix. Nuclear explosion, radiation or pollution;
x. The accidents caused by the participants who insist on attending the marathon games against the field doctor's recommendation;
xi. Any accidents caused by taking the medicine forbidden by The XiaMen Marathon Organizing Commmittee;
xii. Any medical treatment fee and medicine which should be born by the Insured himself / herself stipulated by the Public Medical Treatment Management Department of XiaMen ;
xiii. The insured participates contest by passing himself/herself off as others;
xiv. The excluded responsibilities by "Ping'an Short-term Comprehensive Accidental Injury Insurance clause " is still applicable.

2. The insurant will not pay any benefits if the insured's acute- disease death is caused by the following situations:

i. The accidents caused by the participants who insist on attending the marathon games against the field doctor's recommendation;
ii. Hereditary diseases, mental disorder, schizophrenia, cancer and illness known or should be known by the insured before the contract becoming effective;
iii. Disease treated (in hospital or emergency ward) before the insured participate the marathon racing;
iv. Accidental injury;
v. The insured participates contest by passing himself/herself off as others;
vi. The excluded responsibilities by "Ping'an Short-term Comprehensive Accidental Injury Insurance clause" or "Ping'an Traveling &Accidental Injury Insurance Clause" is still applicable.

Provision 5 Benefit Amount
The insurance coverage of this contract includes RMB 300000 for accidental death (RMB 50000 for the underage), RMB 300000 for accidental disablement (RMB 50000 for the underage), RMB 20000 for accidental medical treatment and RMB 200000 for acute-disease death.

The Accidental Death Benefit and Accidental Disability Benefit for each insured accumulate to the limit of the benefit amount set (RMB 200000 for the adult , RMB 50000 for the underage) in the insurance policy.

Definition: The "underages" means the insureds who under 16years old when the insurance contract comes into effect.

Provision 6 Premium
Totally paid by The XiaMen Marathon Organizing Commmittee;

Provision 7 Designation of Beneficiary
The beneficiary of "accidental death benefit" is the legal inheritor of the insured.

The beneficiary of "accidental disablement benefit" &"accidental medical treatment benefit" is the insured own self.

The beneficiary of "acute-disease death benefit" is the legal inheritor of the insured, and the insurance company will not accept the designation and alteration of the beneficiary.

Provision 8 Claim Application
1. Application for Accidental Death Benefit

I. The household registry certificate or ID card of the Beneficiary;
II. The Death Testimonial of the insured issued by the medical establishment accepted by the Public Security Department or our company;
III. If the insured is declared to be dead, the Beneficiary should provide the Death Declaration Document issued by the People's Court;
IV. Cancellation certificate of the household registration of the Insured;
V. Certificate provided by relevant departments (such as the Public Security Department, 120 spot first aid of the medical establishment);
VI. Any other document the beneficiary can provide to prove the nature or the cause of the insurance event.

2. Application for Accidental Dismemberment Benefit

I. The household registry certificate or ID card of the Beneficiary;
II. The disability level testimonial of the insured issued by the medical establishment accepted by our company;
III. Certificate provided by relevant departments (such as the Public Security Department, 120 spot first aid of the medical establishment);
IV. Any other document the beneficiary can provide to prove the nature or the cause of the insurance event.

3. Application for accidental medical treatment benefit

I. The household registry certificate or ID card of the Beneficiary;
II. Certificate provided by relevant departments (such as the Public Security Department, 120 spot first aid of the medical establishment);
III. The medical treatment fee receipt of the insured issued by the medical establishment accepted by our company;
IV. Any other document the beneficiary can provide to prove the nature or the cause of the insurance event.

4. Application for Acute-disease Death Benefit

I. The household registry certificate or ID card of the Beneficiary;
II. The Death Testimonial of the insured issued by the medical establishment accepted by the Public Security Department;
III. If the insured is declared to be dead, the Beneficiary should provide the Death Declaration Document issued by the People's Court;
IV. Cancellation certificate of the household registration of the Insured;
V. Certificate provided by relevant departments (such as the Public Security Department, 120 spot first aid of the medical establishment);
VI. Any other document the beneficiary can provide to prove the nature or the cause of the insurance event.

The Beneficiary can directly contacts the insurance company to deal with the claims.

Contact number
Emergent report tel: 13860437176, Mr li.
Emergent contactor:0592-8531870 13906020870 ,Mrs.fang
Insurance Company: Xiamen division, Ping An property & casualty Insurance Company of China, LTD
Address: 11th Floor,The Bank Center, No. 189, Xiahe Road, Xiamen City

Note: This English instruction is intended as a general summary of information only .Please refer to the Chinese clauses for exact terms an