Ruixiang Pension Insurance Terms
The composition of the first insurance contract
This insurance contract consists of insurance policy or other insurance certificate and attached terms, insurance policy, other insurance file, statement, main solution, reinstatement application, change application, attached order, and other written agreements related to this contract. .
Article 2 Insurance coverage
I. Scope of the insured: Anyone who is 16 years of age or older and under 69 years of age, who is in good health and can work or work normally, can participate in this insurance as an insured.
Second, the scope of the insured: the insured person, the insured person has insurance benefits or the insured's written consent to the organs, enterprises, institutions and social groups can be used as policyholders, insured against Xinhua Life Insurance Co., Ltd. Insurance. The number of insured units must be insured by more than 75%, and the number of insured persons is not less than 8 persons.
Article 3 Insurance liability
During the validity period of this contract, the insured will survive until the date of the contract for the agreed age, and the company will pay the pension in one of the following ways:
1. The one-time payment of the pension, the insurance liability of the insured is terminated;
2. To pay the insured a fixed annuity for ten years. If the insured person dies during the ten-year fixed annuity period, the beneficiary can continue to receive it until the ten-year period, and the insurance liability of the insured is terminated; After the insurer has survived for ten years with a fixed annuity, he can continue to receive the pension according to the original method of receipt, until his death, and the insurance liability of the insured is terminated.
If the insured person dies before the receiving period, the company refunds the insured's cash value of the insured's insurance policy, but fails to pay the two-year insurance premium, and refunds the insurance premium after deducting the handling fee. If the insured has a owed premium, the outstanding premium and interest shall be deducted when the above amount is refunded.
Article 4 Insurance liability begins
The insurance liability assumed by the company shall come into effect on the next day after the company agrees to underwrite, collect the first-phase insurance premium and issue the insurance policy. The effective date is the effective date, and the effective date corresponds to the corresponding date of each month and month. day.
1. Payment period: from the effective date of the contract to the last payment date.
Second, the collection period: from the time limit for the effective date of the acceptance of the insurance policy, from the time of zero, until the completion of the insurance responsibility.
The pension age of this insurance is divided into five grades of 50, 55, 60, 65, and 70 years old. The minimum age for acceptance is in accordance with the retirement age standard set by the state. The collection method is divided into monthly collar and one-time collection.
Article 5 Insurance amount and insurance premium
The pension collection amount of this contract is determined according to the insured's age of insurance, the method of payment, the amount of payment, the age of receiving and the method of receiving. The specific standards are detailed in the “Ruixiang Pension Insurance Rate Table”.
The payment method of this contract insurance premium can be selected and paid. In the case of the payment method, the instalment insurance premium after the first period shall be paid on the effective date of each period in accordance with the payment method stated in the insurance policy. The insurance premium paid by each insured on a monthly basis shall not be less than 20 yuan, and the annual premium paid shall not be less than 200 yuan.
Article 6 truthfully informs
In entering into this contract, the company shall clearly explain the terms and conditions of this contract to the applicant, and make a written inquiry about the circumstances of the insured and the insured. The insured and the insured shall truthfully inform.
The insured and the insured have deliberately failed to perform the obligation of truthful disclosure, and the company has the right to terminate this contract, and shall not be liable for the insurance accidents incurred before the termination of this contract, and shall not refund the insurance premium.
If the insured and the insured fail to perform the obligation of truthful disclosure due to negligence, which may affect the company's decision whether to agree to insure or increase the insurance rate, the company has the right to terminate this contract; if the insurance accident has serious impact, the contract is lifted. In the case of an insurance accident that occurred before, the company will not be responsible for paying the insurance premium, and will refund the insurance premium after deducting the handling fee.
Article 7 Designation and change of beneficiaries
The insured or the insured may designate one or several persons as beneficiaries. When the number of beneficiaries is several, the order of benefit and the share of benefits shall be determined. If the order and share of benefits are not determined, each beneficiary shall enjoy the beneficial rights according to the equal share.
The insured or the insured may change the beneficiary, but need to notify the company in writing, and the company will solve the problem on the insurance policy.
The insured must agree in writing to the insured when designating and changing the beneficiary.
Article 8 Application for Insurance
1. When applying for a pension, the insured or the beneficiary fills in the insurance payment application as the applicant, and applies to the company for the payment of an annuity with the following certificates and materials:
1. Insurance policy and other insurance certificates;
2. Provide the latest insurance premium receipt when you first collect it;
3. The household certificate and identity certificate of the insured or the beneficiary;
4. If you apply for an agent, you should provide the power of attorney of the principal and the identity certificate of the agent.
2. The right of the insured or the beneficiary to claim the insurance premium from the company shall be extinguished if it does not exercise within five years from the date of knowing or ought to know the occurrence of the insured event.
Article 9 Notice of the Insured's Death
If the insured person dies during the collection period, the insured or the beneficiary shall notify the company before the next collection date. If you do not notify the company to pay more pensions, the company has the right to ask the pensioner to refund the pension and interest paid.
Article 10: Payment and grace period of instalment insurance premium after the first period
After the first period, the instalment insurance premium shall be paid in the form of payment as stated in the insurance policy on the effective date of each period. The 60th day from the day following the effective date of the entry into force on the insurance policy is the grace period. If an insurance accident occurs during the grace period, the company shall bear the insurance liability and deduct the outstanding insurance premium and interest from the insurance premium paid.
Article 11 Suspension of the validity of the contract
Except as otherwise provided in this contract, if the insured has not delivered the insurance premium within the grace period, the contract shall be suspended from 0:00 the next day after the expiration of the grace period.
Article 12 Restoration of the validity of the contract
Within two years after the suspension of the validity of this contract, if the applicant applies for reinstatement of the contract, the application for reinstatement shall be completed. Upon approval by the company, the parties shall reach a reinstatement agreement, starting from 0:00 the next day after the insured pays the insurance premium and interest. The contract effectiveness is restored.
The company has the right to terminate the contract if the two parties have not reached an agreement for two years from the date of termination of the contract. If the insured has paid the insurance premium for more than two years, the company will refund the cash value of the insurance policy in accordance with the contract. If the insured fails to pay the two-year insurance premium, the insurance premium will be refunded after deducting the handling fee.
Article 13 Age Determination and Error Handling
1. The age of the insured is calculated on the basis of age.
2. When applying for insurance, the applicant shall fill in the true age of the insured on the application form. If an error occurs, the insured shall comply with the following provisions:
1. If the insured's declared insured person's age is not true and his true age does not meet the age limit stipulated in this contract, the company may cancel the contract and refund the insurance premium to the insured after deducting the handling fee. Except for more than two years from the date of the day.
2. If the insured's declared insured's age is not true, and the insured's actual insurance premium is less than the insurance premium payable, the company has the right to correct and require the insured to pay the insurance premium and interest; if an insurance accident has occurred When the company pays the insurance premium, the company pays the proportion of the actual insurance premium and the insurance premium payable.
3. If the insured's declared insured's age is not true, and the insured person pays more insurance premiums than the insurance premium payable, the company shall refund the overcharged insurance premium to the insured.
Article 14 Address Change
If there is any change in the address of the applicant or the address of the insured, the company shall notify the company in writing in a timely manner. If the applicant is not notified in writing, the company will transmit the relevant notice in the last address or address of the contract and regard it as served on the insurance. people.
Article 15 Change of contract content
During the term of this contract, the relevant contents of this contract may be changed by the insured and the company in consultation and agreement. Any change to this contract shall be subject to the company's original insurance policy or other insurance certificate or a written order, or a written agreement between the policyholder and the company to enter into a change.
Article 16 Treatment of the insured's termination of the contract
1. After the insured has established this contract, the insured may request a written request to terminate this contract. When the insured asks to cancel the contract, the following certificates and information should be provided:
1. Insurance policy and other insurance certificates;
2. The latest insurance premium receipt;
3. Cancellation of the contract application;
4. Proof of identity of the insured.
2. If the insured requires the termination of the contract, the contract shall terminate the insurance liability from the date the company receives the application for cancellation of the contract. If the company refunds the cash value of the insurance policy within 30 days of receiving the above-mentioned certificates and materials, if the insurance premium is not paid for two years, the insurance premium will be refunded after deducting the handling fee.
3. After receiving the first period of insurance, the insured shall not release the insurance contract for the insured.
Article 17 Dispute Resolution
In the course of the performance of this contract, disputes between the two parties shall be settled through negotiation. If no agreement is reached through negotiation between the two parties, the dispute may be settled through arbitration in accordance with the legally valid arbitration agreement reached. When there is no arbitration agreement or the arbitration agreement is invalid, the lawsuit may be filed in the people's court where the insurance policy is issued.
Article 18 Interpretation
Year of age: The date of birth recorded in the legal identity document is the basis of the calculation.
Handling fee: refers to the sum of the insurance company's operating expenses, commissions and the fees charged by the insurance company for the insurance liabilities assumed by each policy.
Interest: Calculated by compound interest rate as the interest rate of the 'two-year resident regular savings deposit rate issued by the People's Bank of China on the first business day of the same period and the calculated interest rate of the insurance premium '+1%'.
Calculate the pre-determined interest rate for insurance premiums: 2.5% compound interest per year.
This insurance contract consists of insurance policy or other insurance certificate and attached terms, insurance policy, other insurance file, statement, main solution, reinstatement application, change application, attached order, and other written agreements related to this contract. .
Article 2 Insurance coverage
I. Scope of the insured: Anyone who is 16 years of age or older and under 69 years of age, who is in good health and can work or work normally, can participate in this insurance as an insured.
Second, the scope of the insured: the insured person, the insured person has insurance benefits or the insured's written consent to the organs, enterprises, institutions and social groups can be used as policyholders, insured against Xinhua Life Insurance Co., Ltd. Insurance. The number of insured units must be insured by more than 75%, and the number of insured persons is not less than 8 persons.
Article 3 Insurance liability
During the validity period of this contract, the insured will survive until the date of the contract for the agreed age, and the company will pay the pension in one of the following ways:
1. The one-time payment of the pension, the insurance liability of the insured is terminated;
2. To pay the insured a fixed annuity for ten years. If the insured person dies during the ten-year fixed annuity period, the beneficiary can continue to receive it until the ten-year period, and the insurance liability of the insured is terminated; After the insurer has survived for ten years with a fixed annuity, he can continue to receive the pension according to the original method of receipt, until his death, and the insurance liability of the insured is terminated.
If the insured person dies before the receiving period, the company refunds the insured's cash value of the insured's insurance policy, but fails to pay the two-year insurance premium, and refunds the insurance premium after deducting the handling fee. If the insured has a owed premium, the outstanding premium and interest shall be deducted when the above amount is refunded.
Article 4 Insurance liability begins
The insurance liability assumed by the company shall come into effect on the next day after the company agrees to underwrite, collect the first-phase insurance premium and issue the insurance policy. The effective date is the effective date, and the effective date corresponds to the corresponding date of each month and month. day.
1. Payment period: from the effective date of the contract to the last payment date.
Second, the collection period: from the time limit for the effective date of the acceptance of the insurance policy, from the time of zero, until the completion of the insurance responsibility.
The pension age of this insurance is divided into five grades of 50, 55, 60, 65, and 70 years old. The minimum age for acceptance is in accordance with the retirement age standard set by the state. The collection method is divided into monthly collar and one-time collection.
Article 5 Insurance amount and insurance premium
The pension collection amount of this contract is determined according to the insured's age of insurance, the method of payment, the amount of payment, the age of receiving and the method of receiving. The specific standards are detailed in the “Ruixiang Pension Insurance Rate Table”.
The payment method of this contract insurance premium can be selected and paid. In the case of the payment method, the instalment insurance premium after the first period shall be paid on the effective date of each period in accordance with the payment method stated in the insurance policy. The insurance premium paid by each insured on a monthly basis shall not be less than 20 yuan, and the annual premium paid shall not be less than 200 yuan.
Article 6 truthfully informs
In entering into this contract, the company shall clearly explain the terms and conditions of this contract to the applicant, and make a written inquiry about the circumstances of the insured and the insured. The insured and the insured shall truthfully inform.
The insured and the insured have deliberately failed to perform the obligation of truthful disclosure, and the company has the right to terminate this contract, and shall not be liable for the insurance accidents incurred before the termination of this contract, and shall not refund the insurance premium.
If the insured and the insured fail to perform the obligation of truthful disclosure due to negligence, which may affect the company's decision whether to agree to insure or increase the insurance rate, the company has the right to terminate this contract; if the insurance accident has serious impact, the contract is lifted. In the case of an insurance accident that occurred before, the company will not be responsible for paying the insurance premium, and will refund the insurance premium after deducting the handling fee.
Article 7 Designation and change of beneficiaries
The insured or the insured may designate one or several persons as beneficiaries. When the number of beneficiaries is several, the order of benefit and the share of benefits shall be determined. If the order and share of benefits are not determined, each beneficiary shall enjoy the beneficial rights according to the equal share.
The insured or the insured may change the beneficiary, but need to notify the company in writing, and the company will solve the problem on the insurance policy.
The insured must agree in writing to the insured when designating and changing the beneficiary.
Article 8 Application for Insurance
1. When applying for a pension, the insured or the beneficiary fills in the insurance payment application as the applicant, and applies to the company for the payment of an annuity with the following certificates and materials:
1. Insurance policy and other insurance certificates;
2. Provide the latest insurance premium receipt when you first collect it;
3. The household certificate and identity certificate of the insured or the beneficiary;
4. If you apply for an agent, you should provide the power of attorney of the principal and the identity certificate of the agent.
2. The right of the insured or the beneficiary to claim the insurance premium from the company shall be extinguished if it does not exercise within five years from the date of knowing or ought to know the occurrence of the insured event.
Article 9 Notice of the Insured's Death
If the insured person dies during the collection period, the insured or the beneficiary shall notify the company before the next collection date. If you do not notify the company to pay more pensions, the company has the right to ask the pensioner to refund the pension and interest paid.
Article 10: Payment and grace period of instalment insurance premium after the first period
After the first period, the instalment insurance premium shall be paid in the form of payment as stated in the insurance policy on the effective date of each period. The 60th day from the day following the effective date of the entry into force on the insurance policy is the grace period. If an insurance accident occurs during the grace period, the company shall bear the insurance liability and deduct the outstanding insurance premium and interest from the insurance premium paid.
Article 11 Suspension of the validity of the contract
Except as otherwise provided in this contract, if the insured has not delivered the insurance premium within the grace period, the contract shall be suspended from 0:00 the next day after the expiration of the grace period.
Article 12 Restoration of the validity of the contract
Within two years after the suspension of the validity of this contract, if the applicant applies for reinstatement of the contract, the application for reinstatement shall be completed. Upon approval by the company, the parties shall reach a reinstatement agreement, starting from 0:00 the next day after the insured pays the insurance premium and interest. The contract effectiveness is restored.
The company has the right to terminate the contract if the two parties have not reached an agreement for two years from the date of termination of the contract. If the insured has paid the insurance premium for more than two years, the company will refund the cash value of the insurance policy in accordance with the contract. If the insured fails to pay the two-year insurance premium, the insurance premium will be refunded after deducting the handling fee.
Article 13 Age Determination and Error Handling
1. The age of the insured is calculated on the basis of age.
2. When applying for insurance, the applicant shall fill in the true age of the insured on the application form. If an error occurs, the insured shall comply with the following provisions:
1. If the insured's declared insured person's age is not true and his true age does not meet the age limit stipulated in this contract, the company may cancel the contract and refund the insurance premium to the insured after deducting the handling fee. Except for more than two years from the date of the day.
2. If the insured's declared insured's age is not true, and the insured's actual insurance premium is less than the insurance premium payable, the company has the right to correct and require the insured to pay the insurance premium and interest; if an insurance accident has occurred When the company pays the insurance premium, the company pays the proportion of the actual insurance premium and the insurance premium payable.
3. If the insured's declared insured's age is not true, and the insured person pays more insurance premiums than the insurance premium payable, the company shall refund the overcharged insurance premium to the insured.
Article 14 Address Change
If there is any change in the address of the applicant or the address of the insured, the company shall notify the company in writing in a timely manner. If the applicant is not notified in writing, the company will transmit the relevant notice in the last address or address of the contract and regard it as served on the insurance. people.
Article 15 Change of contract content
During the term of this contract, the relevant contents of this contract may be changed by the insured and the company in consultation and agreement. Any change to this contract shall be subject to the company's original insurance policy or other insurance certificate or a written order, or a written agreement between the policyholder and the company to enter into a change.
Article 16 Treatment of the insured's termination of the contract
1. After the insured has established this contract, the insured may request a written request to terminate this contract. When the insured asks to cancel the contract, the following certificates and information should be provided:
1. Insurance policy and other insurance certificates;
2. The latest insurance premium receipt;
3. Cancellation of the contract application;
4. Proof of identity of the insured.
2. If the insured requires the termination of the contract, the contract shall terminate the insurance liability from the date the company receives the application for cancellation of the contract. If the company refunds the cash value of the insurance policy within 30 days of receiving the above-mentioned certificates and materials, if the insurance premium is not paid for two years, the insurance premium will be refunded after deducting the handling fee.
3. After receiving the first period of insurance, the insured shall not release the insurance contract for the insured.
Article 17 Dispute Resolution
In the course of the performance of this contract, disputes between the two parties shall be settled through negotiation. If no agreement is reached through negotiation between the two parties, the dispute may be settled through arbitration in accordance with the legally valid arbitration agreement reached. When there is no arbitration agreement or the arbitration agreement is invalid, the lawsuit may be filed in the people's court where the insurance policy is issued.
Article 18 Interpretation
Year of age: The date of birth recorded in the legal identity document is the basis of the calculation.
Handling fee: refers to the sum of the insurance company's operating expenses, commissions and the fees charged by the insurance company for the insurance liabilities assumed by each policy.
Interest: Calculated by compound interest rate as the interest rate of the 'two-year resident regular savings deposit rate issued by the People's Bank of China on the first business day of the same period and the calculated interest rate of the insurance premium '+1%'.
Calculate the pre-determined interest rate for insurance premiums: 2.5% compound interest per year.
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