Century Changan Life Insurance Clause

Article 1 "Insurance Contract Composition"

This insurance contract consists of the insurance policy and the terms, statements, main solutions, and the application form, validity recovery application, medical examination report and other agreement related to this contract.

Article 2 "Insured Conditions"

Anyone who is 16 years of age or older and under 60 years of age who is in good health may participate in this insurance as an insured. The insured or the person who has an insurable interest in the insured may apply for insurance to the company as an insured.

Article 3 "Insurance Responsibility Begins"

The company is responsible for this contract, starting from the first day of insurance premiums issued by the insured and the company will issue the insurance policy at 0:00 the next day. The insurance liability start date is the effective date. The corresponding date of the effective date is the effective corresponding date.

Article 4 "The right to reinstate the contract"

Within 10 days from the day after the insured receives the insurance policy, no insurance payment has occurred. The insured can return the insurance policy to the company and request a written return to the contract. The validity of this contract shall terminate as soon as the applicant has requested the restoration of this contract in writing. The insured returns the insurance policy to the company, and the company refunds the insurance premium paid by the insured.

Article 5 "The delivery of insurance premiums for the second and subsequent periods, the period of delivery of insurance premiums and the suspension of the validity of the contract"

The insurance premium payment method is divided into one payment, one annual payment, half year payment, and monthly payment. When the insurance premium payment method of this contract is selected for instalment delivery, the insurance premiums for the second and subsequent periods shall be delivered according to the insurance premium payment period specified in the insurance policy, the insurance premium payment method and the insurance premium payment date.

When the company sends personnel to collect insurance premiums, the collecting personnel shall deliver the insurance premiums to the policyholders. The insurance policy will be issued for a period of 60 days from the date of the insurance policy. In the event of an insurance accident during the period of delivery of the premium, the company is still insured, but the insurance premium and interest due should be deducted from the premium paid. At the end of the grace period for the delivery of insurance premiums, the policyholder has not yet delivered the insurance premium, and the contract is suspended from the day after the end of the grace period for the delivery of the insurance premium.

Article 6 "Automatic Interim Payment of Insurance Fees"

At the end of the period of delivery of the insurance premium, the insured still fails to pay the insurance premium. If the insured agrees to automatically pay the premium on the insurance policy, the company will automatically pay the cash value of the contract at the end of the period of delivery of the insurance premium. The insurance premiums and interest payable will continue to be valid for this contract. In the event of an insured event, the company shall deduct the premiums and interest automatically paid by the company from the premium paid. The contract is suspended when the cash value of this contract is insufficient to cover the insurance premiums and interest payable.

Article 7 "Restoration of Contract Effectiveness"

Within two years from the date of suspension of this contract, the company will negotiate with the policyholder and reach an agreement. After the policyholder pays the premium, the contract will resume its effectiveness.

Article 8 "Termination of Contract"

If the insured is unwilling to continue insurance, he may apply to terminate this contract; if the company and the policyholder have not reached an agreement within two years from the date of suspension of the contract, the company has the right to terminate this contract. The insured shall terminate the contract with the insurance policy, identity document and the latest insurance premium payment receipt. If the insured fails to pay the insurance premium for two years, the company will refund the insurance premium to the insured after deducting the handling fee; if the insured has paid the insurance premium for more than two years, the company will refund the cash value of the contract to the insured. When the contract is terminated, the company deducts the insurance premium and interest automatically paid.

Article 9 "Notice of Notification"

When entering into this contract, the company shall explain the terms and conditions of this contract to the insured and make an inquiry about the insured's relevant circumstances, and the insured shall inform the facts.

If the insured deliberately conceals the facts, fails to perform the obligation of truthful disclosure, or fails to perform the obligation of truthful disclosure due to negligence, which may affect the company's decision whether to agree to underwrite or increase the insurance rate, the company has the right to terminate this contract. If the insured deliberately fails to perform the obligation of truthful disclosure, the company shall not be liable for the payment of the insurance premium for the insurance accident that occurred before the termination of this contract, and shall not refund the insurance premium. If the insured fails to perform the obligation of truthful disclosure due to negligence and has a serious impact on the occurrence of the insurance accident, the company shall not be liable for the payment of the insurance premium for the insurance accident that occurred before the termination of this contract, but the insurance premium may be refunded.

Article 10 "Insurance Responsibility"

During the term of this contract, the company has the following insurance liabilities:

1. From the effective date of this contract to the date when the insured is in force at the age of 60, the insured person dies due to illness or accidental injury, and the company pays the death insurance premium twice the insurance amount listed in the insurance policy. This contract is terminated.

2. From the effective date of the contract or the reinstatement of the insured to the insured's 60th birthday, the insured is diagnosed with a major illness for the first time, and the company pays twice the amount of the insurance specified in the insurance policy. The major illness insurance premium is terminated by this contract.

3. The insured will survive until the age of 60. The company will pay the survival insurance premium according to the insurance amount listed in the insurance policy.

4. The insured is in force at the age of 60. In the future, due to illness or accidental injury, the company will pay the death benefit according to the insurance amount listed in the insurance policy, and the contract will be terminated.

5. The insured is in force at the age of 60. In the future, the insured is diagnosed with a major illness for the first time. The company pays the major illness insurance premium according to the insurance amount listed in the insurance policy, and the contract is terminated.

Article 11 "Notice of Insurance Accidents"

In the event of an insurance accident within the validity period of this contract, the insured or the beneficiary shall notify the company within 10 days from the date of the insured event, otherwise the insured or the beneficiary shall bear the burden of delay due to the notification. Increased survey and investigation costs, except for delays due to force majeure.

Article 12 "Disappearance"

During the period of validity of this contract, the insured is missing, and after the death of the people's court, the company pays the insurance according to the death date determined by the judgment. If the insured life is still returned, the beneficiary shall return the insurance premium received to the company within 30 days.

Article 13 "Application for Insurance Benefits"

1. When the beneficiary applies for the death benefit, he shall issue an insurance policy, identity document, the insured's death certificate issued by the public security department or the health department at or above the county level, the insured's household registration certificate and the most recent insurance. Fee payment receipt.

2. When the beneficiary applies for the survival insurance premium, he shall issue an insurance policy, identity document, proof of the insured's household registration and the latest insurance premium payment receipt.

3. When the beneficiary applies for the receipt of major sickness insurance, he shall issue an insurance policy, identity document, the latest insurance premium payment receipt and pathological microscopy, blood test, and other sciences issued by a medical institution designated or recognized by the company. Method Test the reported disease diagnosis certificate. The company may inspect the body of the insured if it deems it necessary, and the expenses shall be borne by the company.

Article 14 "Responsibility Exemption"

The company shall not be liable for the payment of insurance benefits if one of the following circumstances causes the insured to die:

1. The intentional act of the insured or the beneficiary on the insured;

2. The insured’s crime, fighting or drunkenness;

3. The insured person takes, ingests or injects drugs;

4. Suicide and intentional self-injury in the insured within two years from the date of the entry into force or effectiveness of this contract;

5. The insured's drunk driving, unlicensed driving and driving without a valid driving license;

6. The insured person suffers from acquired immunodeficiency syndrome or infection during acquired immunodeficiency syndrome virus;

7. War, military operations, riots or armed rebellions;

8. Nuclear explosion, nuclear radiation or nuclear pollution.

Article 15 "Designation and Change of Beneficiaries"

The insured or the insured may designate or change the beneficiary. However, the insured must designate or change the beneficiary of the death benefit to obtain the consent of the insured. The beneficiary of the major illness insurance premium is the insured person, and the company does not accept other designations or changes. The beneficiary of the change must apply in writing and be validated by the company on the insurance policy.

After the insured has died, in case of any of the following circumstances, the insurance premium is the inheritance of the insured, and the company shall perform the obligation to pay the insurance premium to the heir of the insured:

1. No beneficiary is designated;

2. The beneficiary has died before the insured and there are no other beneficiaries;

3. The beneficiary loses the beneficial right or gives up the beneficial right according to law, and there are no other beneficiaries.

Article 16 "Age calculation and error handling"

The age of the insured is calculated on the basis of the age of the child. If the insured's declared insured's age is untrue and his true age does not meet the age limit stipulated in this contract, the company may terminate this contract within two years from the date of entry into force of this contract. When the contract is terminated, the company refunds the insurance premium to the policyholder after deducting the handling fee. If the insured's declared insured's age is not true, and the insured pays less than the premium payable, the company pays the insurance premium in proportion to the premium paid and the premium payable. If the insured's declared insured's age is untrue, the insurance premium paid by the insured is more than the insurance premium payable, and the company will refund the overcharged insurance premium to the insured.

Article 17 "Change of Address"

When the address of the insured and the insured is changed, the company shall be notified in writing in time. When the insured 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 insured.

Article 18 "Risk of Claims"

The insured's or beneficiary's right to claim insurance premiums from this contract shall be extinguished if it is not exercised within five years from the date of knowing the insured event.

Article 19 "Master Solution"

The change of the contents of this contract or the addition or deletion of the recorded items shall not be effective without the written application of the insured and the company's main solution on the insurance policy.

Article 20 "Dispute Resolution"

When the contract is disputed and the negotiation is invalid, the arbitration institution may arbitrate or bring a lawsuit to the people's court. When this contract involves litigation, it is agreed that the court to which this contract is issued shall be the court of jurisdiction.

"noun definition"

“Company” as used in this clause refers to Taikang Life Insurance Co., Ltd.

The "interest" mentioned in this clause is calculated based on the two-year regular annual interest rate of personal savings deposits of the People's Bank of China.

The term "accidental injury" as used in this article refers to an external, sudden, unintentional, non-disease objective event that causes the insured to suffer severe physical damage. “Significant illness” as used in this article refers to a disease that meets the following definitions:

First, heart disease: refers to partial myocardial necrosis due to coronary artery occlusion, the diagnosis must have the following three conditions:

1 recently showed an electrocardiogram of myocardial infarction variation;

2 abnormal increase in cardiac enzyme content in the blood;

3 typical chest pain symptoms.

However, angina is not covered by this contract.

Second, coronary bypass surgery: refers to the treatment of coronary artery disease for vascular bypass surgery, through cardiac cardiology, sputum patients with persistent myocardial hypoxia caused by angina and confirmed coronary stenosis or obstruction, must accept coronary artery Bypass surgery. Other surgeries are not included.

Third, stroke: refers to the cerebral vascular hemorrhage, embolism, infarction caused by permanent neurological dysfunction caused by sudden changes in cerebral blood vessels. The term "permanent neurological dysfunction" refers to one of the following disabilities that has been identified by a cranial neurologist after six months of an accident:

1 vegetative state;

2 The function of one limb or more is completely lost;

3 exercising more than two limbs or feeling discomfort and unable to take care of daily life;

The so-called inability to take care of everyday life refers to the state of food intake, urination, taking off clothes, living, walking, bathing, etc., all of which cannot be done by themselves, and often require the support of others.

4 Loss of speech or chewing function.

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

Loss of chewing function refers to dysfunction caused by reasons other than teeth, so that it is impossible to make chewing exercise, and the state of food cannot be taken except for liquid food.

Fourth, chronic renal failure: refers to the chronic and irreversible failure of the two kidneys and must receive regular dialysis treatment.

5. Cancer: refers to malignant tumors or malignant white blood cells with abnormal metastatic cells and metastatic characteristics. It is determined by pathological examination that it meets the classification of “International Classification of Disease Injury and Causes of Death” belonging to malignant tumors by the Ministry of Health, except for the following. :

1 The first phase of Hodgkin's disease;

2 chronic lymphocytic leukemia;

3 carcinoma in situ;

4 skin cancer other than malignant melanoma.

Sixth, 瘫痪: refers to the permanent loss of limb function, including two upper limbs, or two lower limbs, or one upper limb and lower limb, each of the three joints of the two joints above the permanent loss of total function. The so-called permanent loss of function means that its function is still completely lost after six months. Loss of function of the joint function means permanent total stiffness or joints that cannot move with consciousness for more than six months.

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

7. Major organ transplant surgery: refers to the transplantation of heart, lung, liver, pancreas, kidney and bone marrow.

Eight, aortic surgery: refers to the chest and abdominal aortic surgery to correct stenosis, segmentation or resection of aortic aneurysm. Except for the branches of the thoracic and abdominal aorta.

9. Explosive hepatitis: refers to hepatitis virus infection that causes most liver necrosis and loss of function. The diagnosis must have the following conditions:

1 The liver is sharply reduced;

2 severe damage to liver cells;

3 liver function is rapidly degraded;

4 hepatic encephalopathy.

X. Chronic liver disease: refers to liver failure at the end, the symptoms must include the following points:

1 persistent jaundice;

2 esophageal varices;

3 ascites;

4 hepatic encephalopathy.

Any liver disease caused by alcohol or drugs of abuse.