Life insurance contract clause

1. Safe and happy female full insurance clause

Article 1, the composition of the insurance contract

This insurance contract consists of insurance policy or other insurance certificate and attached terms, insurance policy, insurance file, statement, main solution, attached order, and other written agreements related to this contract.

Article 2, Insurance Liability

During the period of validity of this contract insurance liability, the company assumes the following insurance liabilities:

First, the maturity insurance premium:

The insured still survives when the insurance expires. The company pays the “survival insurance premium” according to the current annual insurance amount, and the insurance liability is terminated.

Second, death insurance:

The insured will pay the “death insurance premium” for 10% of the current year's insurance amount within one year from the effective date of the policy. The insurance premium will be refunded without interest.

If the insured person suffers from an accidental accident or died of illness after one year from the effective date of the policy, the company will pay the “death insurance premium” according to the current annual insurance amount, and the insurance liability will be terminated.

The term “insurance paid” refers to the annual premium paid for the basic insurance amount at that time.

Third, specific women's disease insurance premiums:

The insured person is diagnosed with cancer listed in the “Special Women's Diseases List” attached to this contract one year after the policy is effective. The company pays “Special Women's Disease Insurance Benefit” at 15% of the annual insurance amount. The payment of this insurance premium is limited to one time.

Fourth, specific surgery insurance:

The insured must accept the surgical treatment listed in the “Specific Surgical Items List” attached to this contract for one year after the policy becomes effective. The company will pay 10% of the annual insurance amount for each operation. Specific surgery insurance." The insurance payment for the same operation or the same surgical item is limited to one time.

V. Marriage allowance insurance:

If the insured is married one year after the effective date of the policy until 3 years ago, the company will pay the “marriage allowance insurance premium” at 8% of the basic insurance amount; the insured will survive and not receive the policy at the end of the policy year of 3 years. For the "marriage allowance insurance", the company will pay the "marriage allowance insurance premium" at 8% of the basic insurance amount. The marriage allowance insurance premium is limited to one time.

6. Child Rearing Allowance Insurance:

If the insured is born 2 years after the policy becomes effective, and the child is born 5 years ago, the company will pay the “childcare allowance insurance premium” at 8% of the basic insurance amount; the insured will survive the policy year of 5 years and never survive. If you receive the "Child Care Allowance Insurance", the company will pay the "Child Care Allowance Insurance" at 8% of the basic insurance amount. The childcare allowance insurance premium is limited to one time.

Article 3, Liability exemption

The company is not responsible for the payment of insurance benefits due to the death of the insured due to one of the following circumstances:

1. The insured and the beneficiary intentionally kill and harm the insured;

2. The insured intentionally commits a crime or refuses to arrest and deliberately injures himself;

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

4. The insured commits suicide within 2 years from the date of entry into force or reinstatement of this contract;

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

6. The insured person is suffering from AIDS or HIV infection;

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

8. Nuclear explosion, nuclear radiation or nuclear pollution.

In the case of the above fourth paragraph, the contract is terminated and the company refunds the cash value of the policy to the policyholder.

In the above other circumstances, the contract is terminated. If the insured has paid the insurance premium for more than 2 years, 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 insurance premium after deducting the handling fee.

Article 4, insurance period

The insurance period of this insurance is divided into 10 years, 15 years and 20 years. When the insured is insured, one of them can be selected.

The insurance liability assumed by the company begins at 0:00 on the next day when the company agrees to underwrite, collect the initial insurance premium and issue the insurance policy, until the termination of this contract.

Article 5, insurance amount and insurance premium

The basic insurance amount of this contract is agreed between the policyholder and the company and uploaded on the insurance policy. Based on the basic insurance amount, the annual insurance amount for each policy year is determined according to the following formula.

When the annual insurance amount = basic insurance amount ×;

The insured shall direct the Company to pay the insurance premium in accordance with this contract. If the insurance premium is paid in installments, the insured shall pay the premiums for the remaining periods in accordance with the agreed payment date after paying the initial premium.

Article 6, truthfully inform

When entering into this contract, the company shall clearly explain to the policyholder the contents of the terms of this contract, in particular the liability exemption clause, and may make a written inquiry about the circumstances of the applicant and the insured. The insured and the insured shall truthfully inform the insured. .

If the insured or the insured deliberately fails to perform the obligation of truthful disclosure, the company has the right to terminate this contract; for the insurance accidents that occurred before the termination of this contract, the company is not responsible for the payment of the insurance premium, and does not refund the insurance premium.

If the insured or the insured fails to perform due to negligence and is obligated to influence the company's decision whether to agree to underwrite or increase the insurance rate, the company has the right to terminate this contract; if it has a serious impact on the occurrence of the insurance accident, In the event of an insurance accident that occurred before the contract was terminated, the company is not responsible for paying the insurance premium, but refunds the insurance premium after deducting the handling fee.

Article 7. Designation and change of beneficiaries

The insured or the insured may designate one or more persons as the beneficiaries of the insurance. When the beneficiary is a number of persons, the beneficiary order and the benefit share shall be determined. If the share is not determined, each beneficiary shall enjoy the beneficial rights according to the equal share.

The insured or the insured can change the beneficiary. However, the company must be notified 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.

The beneficiaries of the medical, marriage allowance and child care allowance insurance are the insured, and the company does not accept the designation or change.

Article 8: Insurance accident notification

The insured, the insured or the beneficiary shall notify the company within 5 days from the date of knowing or should have known the insured event. Otherwise, the insured, the insured or the beneficiary shall bear the costs of exploration, inspection and other items that increase the company due to delay in notification. Except for delays due to force majeure.

Article IX, application for insurance money

1. Application for surviving life insurance

The beneficiary fills in the insurance payment application as the applicant, and applies for the insurance premium to the company with the following certificates and materials:

1. Insurance policy or other insurance certificate;

2. The latest payment receipt;

3. Beneficiary household registration certificate and identification certificate;

4. The insured's household registration certificate and identification.

Second, the application for death insurance

The beneficiary fills in the insurance payment application as the applicant, and applies for the insurance premium to the company with the following certificates and materials:

1. Insurance policy or other insurance certificate;

2. The latest payment receipt;

3. Beneficiary household registration certificate and identification certificate;

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

5. If the insured dies, the beneficiary shall provide the declaration of death certificate issued by the people's court;

6. The insured's household registration certificate;

7. Other certificates and materials that the beneficiary can provide in relation to confirming the nature and cause of the insured event.

Third, the application for specific women's disease insurance

The beneficiary fills in the insurance payment application as the applicant, and applies for the insurance premium to the company with the following certificates and materials:

1. Insurance policy or other insurance certificate;

2. The latest payment receipt;

3. Beneficiary household registration certificate and identification certificate;

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

5. Other certificates and materials that the beneficiary can provide in relation to the nature and cause of the confirmed insurance accident.

Fourth, the application for specific surgery insurance

The beneficiary fills in the insurance payment application as the applicant, and applies for the insurance premium to the company with the following certificates and materials:

1. Insurance policy or other insurance certificate;

2. The latest payment receipt;

3. Beneficiary household registration certificate and identification certificate;

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

5. Other certificates and materials that the beneficiary can provide in relation to the nature and cause of the confirmed insurance accident.

V. Application for marriage allowance insurance

The beneficiary fills in the insurance payment application as the applicant, and applies for the insurance premium to the company with the following certificates and materials:

1. Insurance policy or other insurance certificate;

2. The latest payment receipt;

3. Beneficiary household registration certificate and identification certificate;

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

Application for child care allowance insurance

The beneficiary fills in the insurance payment application as the applicant, and applies for the insurance premium to the company with the following certificates and materials:

1. Insurance policy or other insurance certificate;

2. The latest payment receipt;

3. Beneficiary household registration certificate and identification certificate;

4. Those who have been born 2 years after the policy's effective date and up to 5 years old must provide proof of birth and birth certificate.

7. After receiving the application for insurance premium payment from the applicant and the above-mentioned relevant certificates and materials, the company shall perform the payment of the insurance liability within 10 days after the agreement with the applicant to reach the amount of the insurance premium is determined. . For those who are not covered by insurance, the applicant is given a refusal to pay the insurance notice.

8. The company shall not be able to determine the amount of insurance premiums that are covered by the insurance liability within 60 days from the date of receipt of the applicant's insurance payment application and the above-mentioned relevant certificates and materials, according to the existing certificates and information, The minimum amount determined is paid first, and the company finally determines the amount of the insurance premium and pays the corresponding difference.

9. If the insured returns after the death of the insured, the recipient of the insurance shall return the insurance premium paid by the company within 30 days after the insured life is known or should be known.

10. The beneficiary’s right to request payment of death and survival insurance benefits shall be extinguished from the date of the occurrence of the insured event or the five years from the time of the agreed insurance payment; the other insurance claims The right shall be extinguished if it is known or should have known that it has not been exercised for 2 years from the date of the accident.

Article 10: Deduction of insurance premiums or outstanding payments

When the company pays various insurance premiums, refunds the cash value of the insurance policy or returns the insurance premium, if the policyholder has owed insurance premiums or other payments have not been paid, the company will deduct the arrears and interest payable.

Article 11: Payment and grace period of instalment insurance premium after the first period

After the first period, the instalment insurance premium shall be delivered according to the method and date specified in the insurance policy. If the maturity is not delivered, the 60th day from the day following the delivery date stated in the insurance policy shall be the grace period. If an insurance accident occurs during the grace period, the company still bears the insurance liability.

Article 12, the validity of the contract is suspended

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 13

If the instalment insurance premium after the first period has not been paid within the grace period, and the contract has been valid for more than one year and has a cash value, if the policyholder agrees at the time of insurance or the written consent before the expiration of the grace period, The company will use the “net cash value of insurance policy” on the day before the start of the grace period as the first delivery of all insurance premiums, and reduce the insurance amount under the same contractual conditions.

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

The term "net cash value of insurance policy" as mentioned in the preceding paragraph refers to the net amount of the cash value of the insurance policy after deducting the outstanding insurance premium and other principal and arrears.

Article 14: Restoration of the validity of the contract

Within 2 years after the suspension of the validity of this contract, if the applicant applies for reinstatement of the contract, he shall fill in the application for reinstatement and provide the health certificate of the insured or the medical report issued by the designated medical institution of the company in accordance with the provisions of the company. Upon review and approval, the parties reached a reinstatement agreement, and the contractual effectiveness resumed from the day after the insured paid the insurance premium and interest.

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 2 years, the company will refund the cash value of the insurance policy; if the insured has not paid the insurance premium for 2 years, the company will refund the insurance premium after deducting the handling fee.

Article 15 Calculation and Payment of Policy Spreads

During the effective period of this contract and at the end of each policy year, if the “annual 2-year periodic savings deposit rate” of the policy year is greater than the predetermined interest rate for calculating the insurance premium, the company multiplies the difference between the two by the “in-the-term policy value provision”. Gold", calculate the policy spread.

The term “bank 2-year fixed deposit interest rate” as mentioned in the preceding paragraph refers to the simple arithmetic average of the regular savings deposit rate of the 2-year residents of the People's Bank of China on the first business day of the policy year.

In the aforesaid policy spread, the company pays one of the following two options when the policyholder applies for insurance:

First, the insurance premium is paid, but after the expiration of the payment period, the method of storing interest will be processed.

2. Storage interest: The interest rate of the bank's 2-year fixed savings deposit rate in each policy year is calculated according to the compound interest method, and is accumulated until the contract is terminated or the applicant applies. If the insured does not choose the payment method of the policy spread when insured, he or she will apply for the method of storing interest.

The insured may notify the company in writing of the change of the payment method of the preceding item within the validity period of the contract.

The company shall notify the policyholder in writing of the relevant information on the policy spread.

Article 16, age determination and error handling

1. The age of the insured is calculated on the basis of age.

2. When applying for insurance, the insured shall fill in the true age of the insured on the application form. If an error occurs, it shall be handled in accordance with the following provisions:

1. If the insured's declared insured's age is not true and his true age does not meet the age limit specified in this contract, the company may cancel the contract and refund the insurance premium to the insured after deducting the handling fee, but the contract is established. Except for more than 2 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, or to pay the insurance premium. It is paid in proportion to the actual premium paid and the 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 17. Address Change

When the insured's domicile or correspondence address is changed, the company shall be notified in writing in time. If the insured does not notify in writing, the company will send the relevant notice in the last address or mailing address of this contract.

Article 18, changes in the contents of the contract

During the term of this contract, the relevant contents of this contract may be changed by the insured and the company. Any change to this contract shall be made by the company in the original insurance policy or other insurance certificate: the main solution or the attached batch, or the written agreement between the policyholder and the company to enter into a change.

Article 19: The insured's handling of the cancellation of the contract

After the insured has been established, the insured may request a written request to terminate this contract.

1. If the insured claims to cancel the contract within 10 days after signing the insurance policy, the company will refund all the insurance premiums already received. If the company's medical examination, the medical examination fee will be deducted.

2. When the insured requests to terminate the contract, the following certificates and materials shall be provided:

1. Insurance policy or other insurance certificate;

2. The latest insurance premium receipt;

3. Cancellation of the contract application;

4. Proof of identity of the insured.

3. 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. Except for the first paragraph, the company will refund the cash value of the insurance policy within 30 days from the date of receipt of the above-mentioned certificates and materials, but if the insurance premium is not paid for 2 years, the company will refund the insurance premium after deducting the handling fee.

Article 20, Dispute Resolution

In the course of the performance of this contract, if disputes arise between the two parties, they shall be settled through consultation. If no agreement is reached through negotiation between the two parties, the project shall be settled according to the project: through arbitration, and through litigation.

Article 21, Interpretation

“Company” means China Ping An Insurance Co., Ltd.

“Basic Insurance Amount”: refers to the amount of insurance agreed between the policyholder and the company and uploaded on the insurance policy.

"accidental injury": An objective event that is not caused by a disease, is foreign, sudden, and the insured is unpredictable and irresistible, causing the insured's body to be severely injured.

"Cancer": a disease characterized by uncontrollable malignant cell growth and spread and tissue infiltration, which is determined by pathological examination to be in accordance with the "Disease and Cause of Death" standard published by the Ministry of Health, which is classified as a malignant tumor, but does not include malignant cells. A non-invasive malignant tumor and skin cancer.

"AIDS": refers to acquired immunodeficiency syndrome;

"AIDS": refers to the acquired immunodeficiency syndrome virus.

The definition of acquired immunodeficiency syndrome should be based on the definition established by the World Health Organization. If an acquired immunodeficiency syndrome virus or its antibody is found in a blood sample, it can be considered to be infected with AIDS or AIDS.

“Interim Policy Value Reserve”: A simple arithmetic mean of the policy value reserve at the end of the previous policy year and the policy value reserve at the end of the current policy year.

"Year of age": The date of birth as stated in the legal identity document.

"Calculating the premium rate for insurance premiums": 5.0% compound interest per year.

"The Company sets the interest rate": Calculated according to "the larger of the two-year resident fixed deposit interest rate and the calculated interest rate of the insurance premium issued by the People's Bank of China on the first business day of the same period" +2.0%.

"Handling fee": refers to the sum of the operating expenses, commissions and the fees charged by the company for the insurance liability of the insurance policy.