Service Package M: China Subsidiary as Shipper & First‑Beneficiary Ocean Cargo Insurance Optimization Service

服务套餐 M：中国子公司作为托运人及第一受益人的海运货物保险优化服务

Service Package M: China Subsidiary as Shipper & First‑Beneficiary Ocean Cargo Insurance Optimization Service

一次性费用：每单票货物 15 美元（约合每单 100 元人民币）

One‑time fee: 15 USD per single shipment (equivalent to 100 RMB per order)

适用于已在中国设立全资子公司的境外企业集团，希望优化跨境发运架构。在保险公司认可保单安排的前提下，海运货物发生损失时赔款可径行支付给该中国境内子公司。

For overseas enterprise groups with established wholly‑owned subsidiaries in China, seeking to optimize cross‑border shipment structure. Subject to insurer’s approval of policy arrangements, indemnity payments can be made directly to the domestic subsidiary in case of ocean cargo loss or damage.

Scope of Service　服务范围

1. 核验贸易术语，并评估中国子公司是否对该货物享有有效可保利益
   Verify trade terms and assess whether the China subsidiary holds valid insurable interest for the goods
2. 为中国子公司作为托运人设计发运单据框架与操作方案
   Design shipment document framework and operation solution for the China subsidiary to act as Shipper
3. 梳理受益人设定要点，并指导将境内子公司设定为第一保险受益人
   Sort out key points for beneficiary designation and guide setting the domestic subsidiary as the first insurance beneficiary
4. 在投保阶段促成子公司与承保保险公司之间的沟通，提供咨询与谈判支持（不使客户承担任何承诺义务）
   Facilitate communication between the subsidiary and underwriting insurer during insurance application, provide consultation and negotiation support (does not bind the client to any commitments)
5. 投保申请文件的递交指导
   Guidance on submission of insurance application documents
6. 针对本单票订单提供双语文件支持及架构相关问题的解答
   Bilingual document support and responses to architecture‑related questions for the given order

Deliverables　交付成果

• 贸易术语与可保利益评估说明
  Assessment note on trade terms and insurable interest
• 单据与保险受益人设定方案文件
  Document and insurance beneficiary setup scheme document
• 投保申请文件递交的双语指导
  Bilingual guidance for insurance application document submission
• 本订单保险阶段沟通操作清单
  Operation checklist for insurance‑phase communication for this order

Disclaimer　免责声明

• 本套餐仅提供投保阶段的保险架构咨询、单证方案规划、沟通协助与文件递交指导。我们不从事保险承保、保险销售、保险经纪或保险代理活动。保单能否签发、可保利益能否被认可及最终索赔结果，完全以保险公司的审核为准。
  This package only provides insurance‑structure consultation, document‑scheme planning, communication assistance and document‑submission guidance during the insurance‑application stage. We do not engage in insurance underwriting, insurance sales, insurance brokerage or insurance agency activities. Eligibility for policy issuance, recognition of insurable interest and final claim outcomes are entirely subject to the insurance company’s review.
• 我们会在下单前开展评估以提高直赔安排的可行性，但无法保证保险公司接受中国子公司作为第一受益人，也无法保证货损发生后索赔必然成功。
  We conduct pre‑order assessment to improve the feasibility of direct‑indemnity arrangements, but cannot guarantee the insurer will accept the China subsidiary as first beneficiary, nor can we guarantee successful claim settlement upon cargo loss.
• 服务费仅涵盖架构咨询与沟通协助，不含保险费、物流及其他第三方费用。多批次发运或复杂贸易结构的服务可另行报价。
  Service fee covers architecture consultation and communication assistance only. Insurance premiums, logistics and other third‑party costs are not included. Services for multiple‑batch shipments or complex trade structures are available upon separate quotation.

Ideal for　适用对象

在中国设有全资子公司的境外投资者。其希望重构跨境海运单据与保险安排，在海运途中发生不可抗力导致的货损时，在保险公司保单批准的前提下，赔款可径行支付给其中国子公司，省去中间资金划转环节，降低跨境资金与结算风险。

Overseas investors with wholly‑owned subsidiaries in China. They intend to restructure cross‑border ocean‑shipping documentation and insurance arrangements. Where force‑majeure‑caused cargo damage occurs during ocean transit, indemnity can be paid directly to their China subsidiary subject to insurer policy approval, eliminating intermediate fund‑transfer steps and mitigating cross‑border capital and settlement risks.