1. Where the insured amount is lower than the insured value, the insurer shall indemnify in the proportion that the insured amount bears to the insured value. ���ս����ڱ��ռ�ֵ�ģ��ڱ��ձ�ķ���������ʧʱ�������˰��ձ��ս���뱣��ֵ�ı������⳥���Ρ�
2. Where the insured amount is lower than the insured value, the insurer shall indemnify in the proportion that the insured amount bears to the insured value. ���ս����ڱ��ռ�ֵ�ģ��ڱ��ձ�ķ���������ʧʱ�������˰��ձ��ս���뱣��ֵ�ı������⳥���Ρ�
3. If the insured amount of double insurance exceeds the insured value, the total amount of compensation made by all insurers shall not exceed the insured value. �ظ����յı��ս���ܺͳ������ռ�ֵ�ģ��������˵��⳥�����ܺͲ��ó������ռ�ֵ��
4. If the insured amount of double insurance exceeds the insured value, the total amount of compensation made by all insurers shall not exceed the insured value. �ظ����յı��ս���ܺͳ������ռ�ֵ�ģ��������˵��⳥�����ܺͲ��ó������ռ�ֵ��
5. In the case of under-insurance, the insurer shall acquire the right to the subject matter insured in the proportion that the insured amount bears to the insured value. ���ǣ��ڲ���������£������˰��ձ��ս���뱣�ռ�ֵ�ı���ȡ�öԱ��ձ�ĵIJ���Ȩ����
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insured person ������;
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disappearance of insured person �б��˵�ʧ��;
a person with high aspirations and determination an observant and conscientious person ������;
Healthy person accompanying sick person ��鲡�˵Ľ�����;
The virus is easily transmittable from person to person ������������������֮�䴫��;