¶¶Òõ¶ÌÊÓƵ

1. Beneficiary Designation: For life insurance policies, details of designated beneficiaries and rules for changing beneficiaries

2. Reinsurance Arrangements: Where applicable, details of reinsurance arrangements affecting the policy

3. Premium Adjustment: For policies where premiums may vary based on claims history or risk factors

4. No Claim Bonus: Details of any no-claim bonus structure and how it affects premiums

5. Risk Management Requirements: Specific risk management measures required by the insurer

6. Territorial Limits: For policies where geographic coverage limits are relevant

7. Subrogation Rights: Details of the insurer's right to pursue third parties

8. Co-insurance Arrangements: When multiple insurers are involved in providing coverage

1. Schedule A - Policy Details: Specific details of coverage, sums insured, and special conditions

2. Schedule B - Premium Schedule: Detailed breakdown of premium calculations and payment schedules

3. Schedule C - Covered Properties/Assets: List and description of insured properties or assets

4. Schedule D - Claims Processing Procedures: Detailed procedures and requirements for claims submission and processing

5. Schedule E - Risk Exclusions: Comprehensive list of excluded risks and circumstances

6. Appendix 1 - Documentation Requirements: List of required documents for policy administration and claims

7. Appendix 2 - Contact Information: Contact details for claims, customer service, and emergency assistance

8. Appendix 3 - Regulatory Disclosures: Required regulatory disclosures and statutory notices