actual expense

• If the amount of the actual expenses exceeds the basic sum assured as stated in the rider , then the payment of the excess part will be the liability of the beneficiary for the death benefit or the insured ' s legal heir
  倘若实际费用超过本附加合同的基本保险金额，则超出部分的费用由身故保险金受益人或被保险人的法定继承人负责支付。