Life Care And Life Insurance Clauses For Major Diseases

Article 1. Constitution of insurance contracts

This insurance contract (hereinafter referred to as the contract) is made up of the insurance policy and its terms, statements, endorsement, and the relevant application form, the application for restoration, the physical examination report and other stipulations related to this contract.

Second "terms of insurance"

Those who are under the age of one and under sixty years of age can be insured as the insured.

The insured or the insurer who has an insurable interest in the insured may insure the company against this insurance as an applicant.

The insured is under sixteen years of age, and the insured is limited to the father or mother of the insured.

The third "start of insurance liability".

The liability of the company to this contract is due to the insurer delivering the first premium and the next day when the company issues the insurance policy.

The beginning date of insurance liability is effective date.

The effective date corresponds to the effective date.

The fourth contract rescission right

Within ten days from the date of receipt of the insurance policy, no insurance premium has been paid to the insured. The insured can return the insurance policy to the company and request the cancellation of the contract in writing.

The effect of this contract shall be terminated upon the written request of the insurer to cancel this contract.

The applicant returns the insurance policy to the company, and the company has no interest to refund the premium paid by the applicant.

Fifth "second period and subsequent periods of premium payment, delivery, insurance premium grace period and the suspension of contract effectiveness".

The insurance premium is divided into one time, one year, six months, and one month.

This contract insurance premium payment method chooses installment delivery, the second and subsequent insurance premium should be paid according to the insurance premium stipulated in the insurance policy, the premium payment method and the premium payment date.

When the company receives the insurance premium, the collection personnel shall deliver the certificate of insurance premium to the insured.

The sixty day after the date of the insurance premium is stipulated as the grace period for the payment of the premium.

In the event of an insurance accident during the grace period of the insurance premium, the company still assumes the insurance liability, but deducts the premium and interest owed from the insurance premium.

At the end of the time limit for the delivery of the insurance premium, the insured has not yet paid the premium, and the validity of this contract shall be suspended from the next day after the grace period of the self paid insurance premium.

Sixth "automatic insurance premium".

At the end of the time limit for the delivery of the insurance premium, the policyholder has not yet paid the premium. If the Insured agrees that the premium is automatically padded on the insurance policy, the company will automatically pay the premium and interest payable on the cash value of the contract at the end of the grace period of the insurance premium, so that the contract will continue to be effective.

In case of an insurance accident, the company shall deduct the premium and interest paid by the company automatically from the premium payable.

The validity of this contract shall be suspended if the cash value of this contract is not sufficient to cover insurance premium and interest.

Seventh article "contract effectiveness restoration"

Within two years from the date of termination of this contract, the validity of this contract shall be resumed after the insurance company has negotiated and reached an agreement with the applicant.

Eighth article "termination of contract"

If the applicant is unwilling to continue insurance, he may apply for termination of this contract. If the company fails to reach an agreement with the applicant within two years from the date of the suspension of the validity of this contract, the company shall have the right to terminate this contract.

The applicant terminates this contract with the receipt of insurance policy, identity document and the latest premium payment receipt.

If the insured fails to pay two years' premium, the company will refund the premium to the insured after deducting the commission fee. If the insured has paid more than two years' premium, the company will refund the applicant's cash value in the contract.

When the contract is terminated, the company deducts the premium and interest payable automatically.

Ninth "disclosure obligations"

When concluding this contract, the company shall explain to the applicant the terms and conditions of the contract, and ask the relevant circumstances of the insured, and the applicant shall truthfully inform him.

If the insured intentionally conceals the facts, fails to fulfill the obligation of truthfully disclosure, or fails to fulfill the obligation of truthfully disclosure due to negligence, it will 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 insured fails to fulfill the obligation of truthfully disclosure, the company shall not be liable for the insurance premium before the rescission of the contract, and shall not refund the premium.

If the insured fails to perform the duty of truthfully disclosure due to negligence and has a serious impact on the occurrence of the insurance accident, the company shall not be liable for the insurance premium arising from the insurance accident before the rescission of this contract, but the insurance premium can be refunded.

Tenth "liability for insurance"

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

(1) after the contract is effective or effective one hundred and eighty days later, the insured is diagnosed with a serious illness for the first time, and the company terminates the contract according to the insurance amount stipulated in the policy.

Two, the insured person died due to illness or accidental injury. The company terminates this contract on the basis of the insurance amount specified in the policy.

Eleventh "insurance accident notice"

The insured, the insured or the beneficiary should notify the company within ten days after the occurrence of the insurance accident within the scope of the insurance coverage within the validity period of this contract. Otherwise, the insured or the beneficiary should bear the cost of investigation and investigation added to the company due to the delay of the notice, except for the delay due to force majeure.

Twelfth "disappearances"

During the period of validity of this contract, the insured person is missing and declared dead by the people's court. The company pays the insurance premium according to the death date determined by the judgment.

If the insured life is returned, the beneficiary should refund the insurance payment to the company within thirty days.

The thirteenth "insurance application"

1. When the beneficiary applies for a major illness insurance money, he should issue an insurance policy, identity document, a receipt for the latest premium payment, and a disease diagnosis certificate issued by a medical institution designated or approved by the company for pathological microscopic examination, blood examination and other scientific methods.

The company may inspect the body of the insured if deemed necessary, and the cost shall be borne by the company.

Two, when applying for death insurance, the beneficiary should issue insurance certificate, identity document, certificate of the insured's death certificate issued by the public security department or health department at the county level or above, including the cancellation certificate of the insured household register and the receipt of the latest premium payment.

The fourteenth article is "exemption from liability".

The insurance company shall not be liable for any death or serious illness caused by one of the following circumstances:

I. the intentional act of the insured or the beneficiary against the insured;

Two, the insured's crime, fight or drunken behavior;

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

Four, the insured has committed suicide and deliberately injured himself within two 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 suffering from acquired immunodeficiency syndrome (AIDS) or acquired immunodeficiency syndrome virus (HIV positive).

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

Eight, nuclear explosions, nuclear radiation or nuclear pollution.

Fifteenth "designation and change of beneficiary"

The insured or the applicant may designate or change the beneficiary.

However, the beneficiary must assign the insured's consent if he or she changes the death insurance.

The beneficiary of the major illness insurance is the insured himself, and the company does not accept other designation or change.

The beneficiary must apply in writing and be endorsed by the company on the insurance policy.

After the death of the insured person, one of the following circumstances occurs, and the insurance proceeds as the property of the insured, and the company shall perform the obligation to pay the insurance premium to the successor of the insured:

1. No beneficiary is designated.

Two, the beneficiary has no other beneficiaries before the insured's death.

Three, the beneficiary will lose the right to benefit or give up the right to benefit in accordance with the law, and there will be no other beneficiary.

Sixteenth "age calculation and error handling"

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

If the insured's age is not true and the age of the insured is not in conformity with the age limit stipulated in this contract, the company may terminate this contract within two years from the date of its entry into force.

When cancelling this contract, the company will refund the premium to the applicant after deducting the commission fee.

If the insured's age is not true, the insurance premium paid by the applicant is less than the insurance premium payable. The company pays the premium in accordance with the actual premium and the premium payable.

If the insured's age is not true, the insured pays more than the insurance premium. The company will refund the premium to the applicant.

Seventeenth "change of address"

When the communication address of the insured or the insured is changed, the company shall be informed in writing.

When the applicant fails to notify the company in writing, the notice sent by the company at the last address is deemed to have been delivered to the applicant.

Eighteenth "limitation of claims"

The right of the insured or beneficiary of the contract to pay the insurance premium to the company shall be eliminated within five years from the date of the insurance accident.

Nineteenth "annotations"

The change or the additions and deletions of the contents of this contract shall not be effective unless it is written in written form by the insurer and endorsed by the company on the insurance policy.

Twentieth "dispute settlement"

If there is a dispute in this contract and if the negotiation is invalid, it may be arbitrated through an arbitration agency or brought to a people's court.

When the contract involves litigation, the court appointed by this contract shall be the court of jurisdiction.

Twenty-first "noun paraphrasing"

The term "company" referred to in this article refers to Taikang Life Insurance Limited by Share Ltd.

The term "interest" mentioned in this article is calculated according to the two year annual interest rate +2.0% of personal savings deposits stipulated by the people's Bank of China.

The term "accidental injury" mentioned in this article refers to an objective event which is caused by an external, sudden, unintentional and non physical injury to the insured.

The term "major diseases" referred to in this clause refers to diseases that meet the following definitions:

(1) heart disease (myocardial infarction);

The diagnosis of partial myocardial necrosis due to coronary artery occlusion must be accompanied by the following three conditions:

1 new ECG showing myocardial infarction variation.

2 the contents of blood enzymes in the blood increased abnormally.

3 typical chest pain.

But the angina pectoris is not within the scope of this contract.

Two. Coronary bypass surgery:

Referred to as bypass surgery for coronary artery disease, cardiac catheterization should be carried out through cardiac catheterization. Patients suffering from persistent myocardial hypoxia can cause angina pectoris and confirm coronary artery stenosis or obstruction. Coronary artery bypass grafting is necessary.

Other surgeries are not included.

Three. Stroke:

A permanent neurological disorder caused by cerebrovascular hemorrhage, embolism and infarction due to sudden cerebrovascular diseases.

The so-called permanent neurological dysfunction refers to six months after the accident.

1 vegetative state;

2 complete loss of one or more functions.

3 two or more movements or sensory disorders, unable to take care of daily life;

The so-called inability to take care of daily life refers to the fact that food intake, excrement and urine, wearing clothes, living, walking, bathing, etc. can not be done by themselves, and often require assistance from others.

4 loss of speech or mastication function.

Loss of speech function refers to aphasia due to the damage of the central nervous system of the brain.

The loss of masticatory function refers to the dysfunction caused by the reasons other than the tooth, so that it can not chew exercise, and can not absorb food except liquid food.

Four, chronic renal failure (uremia):

Two chronic and non recoverable renal failure requiring regular dialysis.

Five, cancer:

A malignant tumor or malignant leukocythemia with abnormal proliferation and metastatic characteristics of histiocytic cells is identified by pathological examination.

1 the first stage Hodgkin's disease;

2 chronic lymphocytic leukemia;

3 in situ carcinoma;

4 beyond malignant melanoma.

Six, paralysis:

Refers to the permanent total loss of limb function, including two upper limbs, or two lower limbs, or one upper limb and one lower limb, each with three joints above two joints.

The so-called permanent permanent loss of function means that after six months, its function is still completely lost.

Functional loss of joint function means permanent rigid or joint can not follow the conscious activity for more than six months.

The three major joints of the upper limbs include shoulder, elbow and wrist joints, and the three major joints of the lower limbs include the femoral, knee and ankle joints.

Seven. Major organ pplant operations:

It refers to the pplantation of heart, lung, liver, pancreas, kidney and bone marrow.

Eight. Aortic surgery:

Refers to the operation of thoracic and abdominal aorta to correct stenosis, divide or remove aortic aneurysm.

But the thorax and the abdominal master

Nine. Fulminant hepatitis:

The majority of liver necrosis and loss of function are caused by hepatitis virus infection. The diagnosis must be accompanied by the following conditions:

1 the liver shrinks rapidly.

2 liver cells are seriously damaged.

3 liver function deteriorated rapidly.

4 hepatic encephalopathy.

Ten. Chronic liver disease:

Refers to the end stage liver failure, its symptoms must include the following points:

1 persistent jaundice;

2 esophageal varices;

3 ascites (swelling);

4 hepatic encephalopathy.

Any liver disease caused by alcohol abuse or drug abuse is excluded.