Life Insurance Contract Terms

Life insurance contract terms

1. safe and happy women's Insurance (interest rate return) clause

Article 1. Composition of insurance contracts

This insurance contract (hereinafter referred to as "this contract") is composed of insurance policies or other insurance documents and the attached articles, insurance documents, insurance documents, statements, endorsements, attached lists and other written agreements relating to this contract.

Article second, insurance liability

During the period of validity of this contract, the company shall bear the following insurance liabilities:

I. survival insurance:

When the insured is still alive when the insurance expires, the insurance company will terminate the insurance liability according to the annual insurance premium.

Two, death insurance:

During the 1 years from the date of entry into force of the policy, the insured company will pay the "death insurance premium" for 10% of the insured amount of the insured year. The insurer will not repay the insurance premium and the insurance liability will be terminated.

If the insured has died due to an accident or 1 years after the date of entry into force of the policy, the company will pay the "death insurance premium" according to the annual insurance amount, and the insurance liability shall be terminated.

The insurance premium referred to above refers to the annual premium paid for the basic insurance amount at that time.

Three. Specific women's sickness insurance:

After 1 years from the date of entry into force of the insurance policy, the insured person first contracted the cancer listed in the "specific women's disease list" attached to the contract. The company pays the "specific women's disease insurance premium" for 15% of the insured amount of the year.

The payment of this insurance is limited to one time.

Four, specific surgical insurance:

After 1 years from the date of entry into force of the policy, the insured must accept the operative procedure specified in the "specific operative list" attached to this contract for the first time. The company pays the "specific operative insurance premium" on the basis of 10% of the annual insurance amount.

The insurance payment for the same operation or the same operation is limited to one time.

Five, marriage allowance insurance:

When the insured gets married from 1 years after the effective date of the policy to 3 years ago, the company pays the "marriage allowance insurance" according to 8% of the basic insurance amount. If the insured surviving for 3 years in the policy year and has not received the "marriage allowance insurance", the company will pay the "marriage allowance insurance" according to the 8% of the basic insurance amount.

The payment of marriage allowance is limited to one time.

Six, child care allowance insurance:

When the insured is born 2 years from the effective date of the policy to the age of 5 years, the company pays the "child welfare allowance insurance" on the basis of 8% of the basic insurance amount. If the insured surviving for 5 years in the policy year and has not received the "child care allowance insurance", the company will pay the "child welfare allowance insurance" on the basis of 8% of the basic insurance amount.

The allowance for child rearing allowance is limited to one time.

Third, exemption from liability

The company is not liable for payment of insurance premiums due to any of the following circumstances.

I. The insured and the beneficiary intentionally kill or injure the insured;

Two, the insured intentionally committed a crime or refused to arrest, deliberately hurt himself;

Three, the insured takes, sucks or injections of drugs;

Four, the insured shall commit suicide within 2 years from the date when the contract is effective or effective.

Five, the insured vehicle driving after drinking, driving without license and driving without valid driving permit;

Six, the insured is infected with AIDS or HIV positive (HIV is positive).

Seven, war, military operations, riots or armed rebellion;

Eight, nuclear explosions, nuclear radiation or nuclear pollution.

In the fourth cases mentioned above, the contract terminates, and the cash value of the insurance policy returned by the company to the insured.

In case of any other circumstances, the contract is terminated. If the insured has paid more than 2 years' premium, the company will refund the cash value of the insurance policy. If the insurance premium is not paid for 2 years, the company will refund the premium after deducting the commission fee.

Fourth, insurance period

The insurance period of this insurance is 10 years, 15 years and 20 years. 3 types of insurance are available for policyholders when they are insured.

The insurance liability assumed by the company begins at the beginning of the next day after the company agrees to underwrite, charge the premiums and issue the insurance policy until the termination of this contract.

Fifth, insurance sum and insurance premium

The basic insurance amount of this contract is stipulated by the applicant and the company and is covered by the insurance policy. Based on the basic insurance amount, the annual insurance amount of each policy is determined according to the following formula.

Annual insurance amount = basic insurance amount * (1+0.05 * annual policy);

The insured shall pay the insurance premium to the company in accordance with this contract.

When the insurance premium is paid in installments, the insured pays the premiums for the rest of the period according to the agreed payment date.

Sixth, truthfully inform

When concluding this contract, the company shall clearly explain to the applicant the terms and conditions of this contract, especially the exemption clause, and may make written inquiries about the relevant conditions of the insured and the insured, and the insured and the insured shall truthfully inform them.

If the insured or the insured intentionally fails to perform the obligation of truthfully disclosure, the company shall have the right to terminate this contract. The company shall not be liable for paying the insurance premium prior to the rescission of the contract, and shall not refund the premium.

If the insured or the insured fails to fulfill their obligations due to negligence, which is sufficient to affect the company's decision whether to agree to underwrite or raise the premium rate, the company has the right to terminate this contract. If the insurance accident is seriously affected, the company will not be liable to pay the insurance premium prior to the rescission of this contract, but the insurance premium will be refunded after deducting the commission fee.

Seventh, designation and change of beneficiary

The insured or the policyholder may designate one or more persons as the beneficiary of the insurance. When the beneficiary is several, the beneficiary's order and the share of the benefit shall be determined, and the beneficiary shall enjoy the right to share according to the equal share.

The insured or the insurer may change the beneficiary.

However, we need to notify the company in writing, which is endorsed by our company on the insurance policy.

When the applicant designate and change the beneficiary, the applicant must have the written consent of the insured.

The beneficiary of the medical, marriage allowance and child rearing allowance insurance is the insured himself, and the company does not accept the designation or change.

Eighth, insurance accident notice

The applicant, the insured or the beneficiary shall notify the company within 5 days from the date of knowing or knowing the occurrence of the insurance accident.

Otherwise, the policyholder, the insured or the beneficiary should bear the cost of exploration, inspection and other expenses caused by the delay in the notice.

Except for delay caused by force majeure.

Ninth, insurance applications

I. application for life insurance premiums

The beneficiary as applicant will fill out the application form of insurance payment, and apply to the company for payment of insurance premiums with the following evidence and information:

1. insurance policy or other insurance certificate;

2. the latest payment receipt;

3. beneficiary's household registration certificate and identity card;

4. the insured's household registration certificate and identity certificate.

Two. Application for death insurance

The beneficiary as applicant will fill out the application form of insurance payment, and apply to the company for payment of insurance premiums with the following evidence and information:

1. insurance policy or other insurance certificate;

2. the latest payment receipt;

3. beneficiary's household registration certificate and identity card;

4. the death certificate issued by the public security department or the medical institution approved by the company;

5. if the insured declares death, the beneficiary shall provide the death certificate issued by the people's court.

6. the certificate of cancellation of the insured household register;

7. other evidence and information relevant to the nature and cause of an insurance accident can be provided by the beneficiary.

Three. Application for specific women's sickness insurance money

The beneficiary as applicant will fill out the application form of insurance payment, and apply to the company for payment of insurance premiums with the following evidence and information:

1. insurance policy or other insurance certificate;

2. the latest payment receipt;

3. beneficiary's household registration certificate and identity card;

4. a certificate of disease with a report of pathological examination issued by the hospital approved by the company;

5. other evidence and information relevant to the nature and cause of an insurance accident can be provided by the beneficiary.

Four. Application for specific surgical insurance payment.

The beneficiary as applicant will fill out the application form of insurance payment, and apply to the company for payment of insurance premiums with the following evidence and information:

1. insurance policy or other insurance certificate;

2. the latest payment receipt;

3. beneficiary's household registration certificate and identity card;

4. surgical certificate issued by the hospital approved by the company;

5. other evidence and information relevant to the nature and cause of an insurance accident can be provided by the beneficiary.

Five. Application for marriage allowance insurance

The beneficiary as applicant will fill out the application form of insurance payment, and apply to the company for payment of insurance premiums with the following evidence and information:

1. insurance policy or other insurance certificate;

2. the latest payment receipt;

3. beneficiary's household registration certificate and identity card;

4. marriage certificate must be provided after 1 years from the effective date of the policy to 3 years ago.

Six. Application for child care allowance insurance

The beneficiary as applicant will fill out the application form of insurance payment, and apply to the company for payment of insurance premiums with the following evidence and information:

1. insurance policy or other insurance certificate;

2. the latest payment receipt;

3. beneficiary's household registration certificate and identity card;

4. the birth certificate is required to provide birth certificate and birth certificate from 2 to 5 years before the date of entry into force of the policy.

Seven, the company receives the applicant's insurance payment application and the above proof and information, and determines the liability of the insurance company within 10 days after the agreement with the applicant has reached the relevant amount of the payment insurance amount.

For those who do not belong to the insurance liability, the applicant should issue a notice of refusal to pay insurance premium.

Eight, within 60 days from the date of receipt of the applicant's insurance payment application and the above relevant certificates and information, the company can not determine the amount of the insurance premium payable under the insurance liability. According to the existing proof and information, the company shall pay the lowest amount according to the established amount, and the company will eventually pay the corresponding balance after the amount of the insurance premium is finally determined.

Nine. If the insured is born after the death of a insured person, the insurance company should withdraw the insurance money paid by the company within 30 days after he knows or should know the insured life.

Ten, the right of the beneficiary to claim the death and survival insurance on the company's request shall be extinguished from the date that it knows or should know the date of the occurrence of the insurance accident or five years from the time when the insurance premium has been agreed, and the claim for other insurance benefits shall not be eliminated for 2 years from the time when it knows or should know the occurrence of the insurance accident.

Tenth, deduction of insurance premium or unpaid amount.

The company pays various insurance premiums, refunds the cash value of the insurance policy or reclaims the insurance premium. If the insured has not paid the premium or other payments, the company first deducts the above arrears and pays the interest.

Payment and grace period for eleventh premiums and installments of premiums

After the first installment, the premium shall be delivered according to the method and date specified in the policy. If the time of delivery is not yet delivered, the 60 day from the date of the date of delivery specified in the policy is grace period.

In case of an insurance accident within the grace period, the company is still liable for insurance.

Article twelfth, suspension of validity of contract

Unless otherwise stipulated in this contract, the insured has not yet paid the insurance premium within the grace period, and the contract shall cease to be effective from the next day when the contract is within full time limit.

Thirteenth, reduction of clearance

The installment premium after the down payment period has not been paid yet, and if the contract has been valid for more than 1 years and has cash value, if the applicant agrees to agree in writing before the expiration of the agreement or grace period, the net value of the "net cash value of the insurance policy" on the day before the grace period will be paid as a whole, and the insurance amount will be reduced under the same contract conditions.

After the reduction is made, the second "marriage allowance insurance" and "child education allowance insurance" will be terminated.

The net value of the insurance policy in the preceding paragraph refers to the net value of the insurance policy after deducting the premium and other principal and interest of the insurance premium.

Fourteenth, the effect of contract is resumed.

Within 2 years after the suspension of the validity of this contract, the applicant shall apply for the resumption of the contract, fill in the application form for reconfirmation, and provide the health declaration issued by the insured or the physical examination report issued by the company designated by the company according to the provisions of the company. After the company's examination and approval, the two parties will reach a reinsurance agreement, and the contract will be renewed from the next day after the insured's premium and interest (calculated according to the predetermined interest rate calculated).

The company has the right to terminate the contract 2 years after the termination of the validity of the contract.

If the insured has paid more than 2 years' premium, the company will refund the cash value of the insurance policy. If the insured fails to pay 2 years' premium, the company will refund the premium after deducting the commission fee.

Fifteenth, calculation and payment of policy margin.

During the period of validity of this contract and at the end of each policy year, if the annual interest rate of the 2 year deposit interest rate of the policy is larger than the calculated interest rate of the insurance premium, the company will calculate the insurance policy interest rate by multiplying the difference between the two by the "Interim policy value reserve".

The term "2 year time deposit interest rate for a bank" mentioned in the preceding paragraph refers to the simple arithmetic average of the resident's Bank's 2 years' regular savings deposit interest rate on the first business day of the policy year.

The above policy spreads are one of the following two ways chosen by the company when the insured is insured:

First, the insurance premium is to be paid, but after the expiration of the fee, it is handled in the form of interest earning.

Two, storage interest: the annual interest rate of the "2 year fixed bank savings deposit interest rate" shall be calculated according to the compound interest method and accumulated until the termination of this contract or the application of the insured.

If the insured does not choose the policy interest rate when it is insured, it will be handled in the way of storing interest.

The applicant may, in writing, notify the company to change the previous payment method within the validity period of the contract.

The company shall inform the applicant in writing of the relevant information about the spread of the insurance policy every year.

Sixteenth, age determination and error handling

I. the age of the insured is calculated at the age of one year.

Two. When applying for insurance, the insured should fill in the insured age with the true age of the insured. If errors occur, the following rules shall be applied:

1. if the insured's age is not true and the age of the insured does not meet the age limit stipulated in this contract, the company may rescind the contract and refund the premium to the insured after deducting the commission fee, except for more than 2 years from the date of the establishment of the contract.

2. the age of the insured declared by the applicant is not true, resulting in the actual premium paid by the applicant less than the premium payable. The company has the right to make corrections and require the insured to pay premium and interest (calculated according to the interest rate stipulated by the company) or to pay the premium and the premium payable at the time of payment of the insurance premium.

3. the age of the insured declared by the applicant is not true, resulting in the actual premium paid by the insured is more than the premium payable. The company should refund the premium to the applicant.

Seventeenth, address change

When the applicant's residence or correspondence address is changed, he should notify the company in writing in time. If the applicant fails to notify in writing, the company will send the notice according to the last residence or address of the contract.

Eighteenth, change of contract content

During the validity of this contract, the contents of this contract can be changed through negotiation between the insurer and the company.

The alteration of this contract shall be made by the company in the original insurance policy or other insurance certificate: endorsement or attached with the approval list, or written agreement between the insured and the company.

Article nineteenth, how to terminate the contract

After the establishment of this contract, the applicant may in writing notify the contract to rescind this contract.

I. The applicant is

Two.

1. insurance policy or other insurance certificate;

2. the latest issue of premium receipt;

3. release

4. identity certificate of applicant.

Three. If the applicant requests rescission of the contract, the insurance liability shall be terminated from the date of receipt of the application for cancelling the contract.

In addition to the first provision, the company refunded the cash value of the insurance policy within 30 days from the date of receipt of the above certificate and information. However, the insurance premium was refunded after deducting the commission fee after the insurance premium was not paid for 2 years.

Twentieth, dispute resolution

In the course of the performance of this contract, disputes between the two parties shall be settled through consultation. If no agreement has been reached between the two parties, the dispute shall be solved according to () method: (1) settlement by arbitration; (2) settlement through litigation.

Twenty-first, interpretation

"Company": China Ping An insurance Limited by Share Ltd.

"Basic insurance amount": the amount of insurance specified by the insurer and the company agreed on the insurance policy.

"Accidental injury": an objective event that is not caused by disease, external, sudden, insurable and insurable.

Cancer (cancer): characterized by uncontrollable growth and spread of malignant cells and tissue infiltration. It is determined by pathological examination that the standard of "disease and death classification" conformed to the Ministry of health is attributable to malignant tumors, but does not include malignant tumor in situ without infiltration of malignant cells (in situ without infiltration, that is, the tumor cells do not penetrate basement membrane into the basement membrane) and skin cancer (except malignant melanoma).

AIDS: refers to the acquired immune deficiency syndrome.

"AIDS virus" refers to the acquired immune deficiency syndrome virus.

The definition of acquired immune deficiency syndrome should be defined according to the definition formulated by the WHO. If the acquired immune deficiency syndrome virus or its antibody is found in blood samples, it can be considered to be infected with HIV or AIDS.

"Interim policy value reserve": a simple arithmetic average of the last policy value reserve and the year-end policy reserve of the policy.

"One year old": the date of birth recorded in a legal identity document.

Calculate the predetermined interest rate for insurance premiums: annual compound interest rate 5%.

"The interest rate stipulated by the company" is calculated on the basis of "+2.0%", which is the "two year resident deposit interest rate" issued by the people's Bank on the first business day of each month, and the larger percentage of the calculated premium rate.

"Handling fee" means the sum of three charges for each company's business expenses, commission and the company's liability for the insurance policy.