華泰財(cái)險(xiǎn)附加免賠額條款（CB版）

免賠額一般約定：對(duì)于保險(xiǎn)合同承保的損失，保險(xiǎn)人僅就單個(gè)保險(xiǎn)事故中遭受損失（包括利潤(rùn)損失）超過(guò)明細(xì)表所列相應(yīng)免賠額的部分向被保險(xiǎn)人承擔(dān)賠償責(zé)任，并且保險(xiǎn)人僅按照其在該超過(guò)免賠額部分中應(yīng)分?jǐn)偟姆蓊~承擔(dān)賠償責(zé)任，同時(shí)受限于下文保險(xiǎn)年度累計(jì)責(zé)任限額消耗的規(guī)定。A.保險(xiǎn)年度累計(jì)限額耗盡B.對(duì)于服務(wù)中斷損失，如果未明確約定適用的免賠額，則應(yīng)適用在特定服務(wù)中斷的被保險(xiǎn)地址發(fā)生的中斷原因所對(duì)應(yīng)適用的免賠額。C.對(duì)于連帶利潤(rùn)擴(kuò)展損失，當(dāng)保險(xiǎn)合同沒有明示免賠額不適用于連帶利潤(rùn)擴(kuò)展損失時(shí)，免賠額將適用于發(fā)生連帶利潤(rùn)擴(kuò)展損失的保險(xiǎn)地址如同該地址在本保險(xiǎn)合同承保范圍D.明細(xì)表列明的地震免賠額將適用于地震損失。明細(xì)表列明的洪水免賠額將適用于洪水損失。明細(xì)表列明的風(fēng)暴損失將適用于風(fēng)暴損失。下文F項(xiàng)的約定也同樣適用于前述每一類風(fēng)險(xiǎn)。E.當(dāng)本保險(xiǎn)合同承保多個(gè)地址時(shí)，免賠額將適用于本保險(xiǎn)合同在一次保險(xiǎn)事故中承保的所有損失；但明確按照每個(gè)保險(xiǎn)地址適用的免賠額除外，無(wú)論一次保險(xiǎn)事故所涉保險(xiǎn)地址的數(shù)量多少，該類免賠額均將分別適用于發(fā)生物質(zhì)損失的每一個(gè)保險(xiǎn)地址。F.除非另有約定，若兩個(gè)或兩個(gè)以上免賠額同時(shí)適用于一個(gè)保險(xiǎn)事故，則扣減的免賠額總額不超過(guò)可適用的最大免賠額。本條款中，當(dāng)財(cái)產(chǎn)損失和利潤(rùn)損失有各自單獨(dú)適用的免賠額時(shí)，兩個(gè)免賠額之和將視作為一個(gè)免賠額。若在一個(gè)保險(xiǎn)事故中可適用兩個(gè)或兩個(gè)以上按照每個(gè)保險(xiǎn)地址適用的免賠額，則最大免賠額將分別適用于每一個(gè)保險(xiǎn)地址。G.如上文規(guī)定的免賠額是免賠比例，則無(wú)論是分項(xiàng)適用或共用的免賠額，該免賠額均應(yīng)按照下述規(guī)定計(jì)算：財(cái)產(chǎn)損失：發(fā)生物質(zhì)損失的保險(xiǎn)地址上的保險(xiǎn)標(biāo)的按照財(cái)產(chǎn)損失部分價(jià)值評(píng)估條款確定的價(jià)值，乘以免賠比例。利潤(rùn)損失：被保險(xiǎn)人使用發(fā)生物質(zhì)損害的保險(xiǎn)地址上的設(shè)施在保險(xiǎn)事故發(fā)生之日起12個(gè)月內(nèi)原本應(yīng)獲得的總利潤(rùn)價(jià)值，加上受該等設(shè)施使用直接影響導(dǎo)致繼發(fā)利潤(rùn)損失的所有其他保險(xiǎn)地址在保險(xiǎn)事故發(fā)生之日起12個(gè)月內(nèi)原本應(yīng)獲得的總利潤(rùn)價(jià)值，再乘以免賠比例。H.僅針對(duì)以下承保范圍內(nèi)的物質(zhì)損失或損壞適用的每次保險(xiǎn)事故免賠額將減少50%：1)承保范圍內(nèi)消防設(shè)備發(fā)生物質(zhì)損失或損壞；或2)承保范圍內(nèi)消防設(shè)備發(fā)生漏水或其他物質(zhì)泄漏導(dǎo)致的物質(zhì)損失或損壞。但是，本項(xiàng)規(guī)定不適用于因火災(zāi)或地震導(dǎo)致的損失或損壞，無(wú)論索賠是否就火災(zāi)或地震而提出。I.上文所述利潤(rùn)損失的相應(yīng)免賠額適用于遭受利潤(rùn)損失的保險(xiǎn)地址。followingdeductiblesapA.ProgramYearAggregateExhauRefertothecappingoflimitsendorsementofthispolicyB.ForSERVICEINTERRUPTIONloss,wheapplyingtoSERVICEINTERRUPTINTERRUPTIONlosswillbethedeductiblethatwouldapplyifthecauseoftheinterruptionhappenedattheinsuredlocationthatsustainstheinterruptionoftheC.ForCONTINGENTTIMEELEMENTEXTENDEDloss,whenspecificallystatedasapplyingtoCONTINGENTTIMEELEMENTthedeductibleforCONTINGENTTIMEELEMENTEXTENDEDlosswilldeterminedasthoughthecontingenttimeelementlocationwasaninsuunderthisPolicy.D.Thestatedearthquakedeductiblewillbeapplieflooddeductiblewillbeappliedtofloodloss.Thestatedwinddeductiblewilappliedtowindloss.TheprovisionsofitemFbelowwillalsobeappliedtoeach.E.WhenthisPolicyinsuresmorethanonelocation,thedeductiblewillapplthetotallosscoveredbythisPolicyinanoccurrenceexceptthappliesonaperlocationbasis,ifspecified,willapplyseparatelytoeachlocationwherethephysicaldamagehappenedregardlessofthenumberoflocationsinvolvedF.Unlessstatedotherwise,iftwoormoredeductiblesapplytoanoccurrencetobedeductedwillnotexceedthelargestdeductibleapplicable.Forthepurposesofthisprovision,whenaseparatePropertyDamageandaseparatedeductibleapply,thesumofthetwodeductibleswillbeconsideredasingledeductible.Iftwoormoredeductiblesapplyonaperlocationbasisinanoccurrence,thelargestdeductibleapplyingtoeachlocationwillbeaseparatelytoeachsuchG.Whena%deductibleisstatedabdeductibleiscalculatedasPropertyDamage-%ofthevalue,pertheValuationclause(s)ofthePROPERTYDAMAGEsection,ofthepropertyinsuredatthelocationwherethephysicalTimeElement-%ofthefullTimeElementvaluesthatwouldhavebeenearnedinthe12monthperiodfollowingtheoccurrencebyuseofthefacilitiesatthelwherethephysicaldamagehappened,plusthatproportionofthefullTimeElementvaluesatallotherlocationswhereTIMEELEMENTlosseaffectedbyuseofsuchfacilitiesandthatwouldhavebeperiodfollowingtheoccurrence.H.Forinsuredphysicallos2)fromwaterorothersubstancedischargedfromfireprotectionequipmetypeinsured,theapplicabledeductibleapplyingtoififtypercent(50%),peroccurrence.However,thisprovisionwillnot