1. 1 Contract Composition
This contract is an agreement between you and us to stipulate the insurance rights and obligations, including insurance clauses, insurance policies, application forms and other insurance documents, legal and effective statements, comments, approval forms and other written agreements approved by you and us.
1.2 Establishment and effectiveness of the contract
You apply for insurance and we agree to underwrite it. This contract is established.
The effective date of the contract is stated on the insurance policy. The policy year and the agreed premium payment date are calculated on this date.
1.3 insurance age
Refers to the age of the insured when you apply for insurance. The age of insurance accepted in this contract is 90 days to 60 years after birth.
1.4 hesitation period
There is a hesitation period of 10 days from the date when you sign this contract. In the meantime, please read this contract carefully. If you think that this contract does not meet your needs, you can propose to terminate this contract during this period, and we will refund the insurance premium you paid after deducting 65,438+00 yuan.
When you terminate the contract, you need to fill in the application form and provide your insurance contract and valid identity documents. This contract will be terminated immediately after we receive your written application for termination, and we will not take any responsibility for the accidents that occurred before the termination of this contract.
2. The guarantee we provide
2. 1 insured amount
The insurance amount of this contract is determined according to the "Birthday Payment Table" and "Basic Payment Table for Death or Total Disability Insurance".
2.2 minor death insurance limit
For the personal insurance of minor children, the sum of the insurance benefits paid due to the death of the insured shall not exceed the limit set by the the State Council Insurance Regulatory Authority, and the sum of the insurance benefits paid after death shall not exceed the above limit.
2.3 insurance period
(1) The insurance period of this contract is divided into three types: the insurance period lasts until the insured reaches 60 years old, 70 years old or 80 years old, which shall be agreed upon by both parties at the time of insurance. The insurance period is subject to the insurance policy.
(2) In any of the following circumstances, our insurance liability to the insured shall be terminated immediately:
(1) During the validity period of this contract, you applied to us to terminate this contract as agreed, and when we received the application to terminate this contract;
② The insured dies or is totally disabled;
③ The insurance period of this contract expires;
④ This contract is terminated due to other circumstances listed in the clauses.
2.4 Insurance liability
During the insurance period of this contract, under the premise that this contract is valid, we shall bear the insurance liability according to the following agreement:
Survival payment
If the insured survives until the insurance period expires, we will pay the birthday bonus according to the corresponding amount in the Birthday Bonus Payment Table (annex 1 to this contract), and this contract will be terminated.
Death or total disability protection
If the insured dies or is totally disabled before the expiration of the insurance period, we will pay the death or total disability insurance benefits according to the basic table of death or total disability insurance benefits (Annex II to this contract), and this contract will be terminated.
Critical illness insurance fee exemption
According to the agreement in Ruyi Ankang Additional critical illness insurance Contract (hereinafter referred to as the "Additional Insurance Contract"), we agree to pay critical illness insurance gold after examination. For the insured who pays the insurance premium in installments according to the following agreement, we are exempt from the insurance premium of this contract:
The first exemption of the insurance premium shall be calculated from the next agreed insurance premium payment date after the insured is first diagnosed with a major disease agreed in this additional insurance contract. The exempted insurance premium is deemed to have been paid, and this contract is still valid.
2.5 Exemption from liability
If the insured dies or is totally disabled due to one of the following circumstances, we shall not be liable for paying the insurance money:
(1) The insured intentionally kills or intentionally hurts the insured;
(2) The insured intentionally commits a crime or resists criminal compulsory measures taken according to law;
(3) The insured commits suicide within 2 years from the date of the establishment of this contract or the restoration of this contract, except that the insured commits suicide as a person without civil capacity;
(4) The insured takes the initiative to take or inject drugs;
(5) The insured is drunk driving, driving without a valid driver's license or driving a motor vehicle without a valid driver's license;
(6) War, military conflict, riot or armed rebellion;
(7) Nuclear explosion, nuclear radiation or nuclear pollution.
If the above (1) circumstances lead to the death of the insured, this contract is terminated, and you have paid the insurance premium for more than 2 years, we will return the cash value of the policy to the insured's successor.
If the above (1) situation causes the insured to be totally disabled, this contract is terminated, and you have paid the insurance premium for more than 2 years, we will refund the cash value of the policy to the insured.
If the insured dies or is totally disabled due to the above other circumstances, this contract will be terminated and we will refund the cash value of the insurance policy to you.
3. Insurance application
3. 1 beneficiary
You or the insured may designate one or more persons as beneficiaries of death insurance.
When there is more than one beneficiary of death insurance benefits, the order and share of benefits can be determined; If the share is not determined, each beneficiary shall enjoy the right to benefit according to the equal share.
If the insured is a person without or with limited capacity for civil conduct, the beneficiary may be designated by his guardian.
You or the insured can change the beneficiary of death insurance money and notify us in writing. After receiving the written notice of the beneficiary's change, we endorse or attach this approval form to the insurance policy or other insurance documents.
When designating and changing the beneficiary of death insurance, the consent of the insured must be obtained.
After the death of the insured, in any of the following circumstances, the insurance money shall be regarded as the heritage of the insured, and we shall fulfill the obligation to pay the insurance money in accordance with the provisions of the Inheritance Law of People's Republic of China (PRC):
(1) No beneficiary has been specified, or the beneficiary designation is unknown and cannot be determined;
(2) The beneficiary dies before the insured, and there are no other beneficiaries;
(3) The beneficiary loses or waives the beneficial right according to law, and there are no other beneficiaries.
If the beneficiary and the insured die in the same event and the order of death cannot be determined, it is presumed that the beneficiary died first.
If the beneficiary intentionally causes the death, disability or illness of the insured, or intentionally kills the insured, the beneficiary loses the right to benefit.
Unless otherwise specified, the beneficiary of birthday money and total disability insurance money is the insured himself.
3.2 Notice of Insurance Accident
You, the insured or the beneficiary should inform us within 10 days after you know the insured accident.
If you, the insured or the beneficiary fail to notify in time on purpose or due to gross negligence, which makes it difficult to determine the nature, cause and loss degree of the insured accident, we shall not be liable for paying the insurance money for the uncertain part, except that we already knew or should have known the occurrence of the insured accident through other channels, or the failure to notify in time does not affect our determination of the nature, cause and loss degree of the insured accident.
3.3 Insurance application
When applying for insurance benefits, please follow the following methods:
Birthday payment application
The applicant shall fill in the application form for insurance payment and provide the following certificates and materials:
(1) insurance contract;
(two) the applicant's valid identity documents;
(3) Other certificates and materials that can be provided to confirm the nature and cause of the insured accident.
Death insurance application
The applicant shall fill in the application form for insurance payment and provide the following certificates and materials:
(1) insurance contract;
(two) the applicant's valid identity documents;
(3) The death certificate of the insured issued by the medical institution, public security department or other relevant institutions recognized by the administrative department of health;
(4) Other certificates and materials that can be provided to confirm the nature and cause of the insured accident.
As the insured's inheritance, insurance money must provide relevant rights documents that can prove the legitimate right of inheritance.
Apply for total disability insurance
The applicant shall fill in the application form for insurance payment and provide the following certificates and materials:
(1) insurance contract;
(two) the applicant's valid identity documents;
(3) The information on the degree of disability of the insured or the appraisal of the degree of physical disability issued by the second-class hospital or other medical institutions (or appraisal institutions) recognized by the health administrative department;
(4) Other certificates and materials that can be provided to confirm the nature, cause and degree of injury of the insured accident.
If the above-mentioned insurance documents and materials are not complete, we will promptly notify the insured to supplement the relevant documents and materials.
3.4 Insurance payment
We will verify within 5 days after receiving the application for insurance and the certificates and materials agreed in the contract; If the situation is complicated, it shall be approved within 30 days. For the insurance liability, we will fulfill the obligation to pay insurance benefits within 10 days after reaching an agreement with the beneficiary.
If the obligations stipulated in the preceding paragraph are not fulfilled in time, in addition to paying the insurance premium, the beneficiary shall also be compensated for the losses suffered as a result. The aforementioned "loss" refers to the interest loss calculated according to the benchmark interest rate of RMB demand deposits published by the People's Bank of China for the same period.
For those who do not belong to the insurance liability, we will issue a notice of refusal to pay insurance benefits to the beneficiaries within 3 days from the date of approval and explain the reasons.
If the amount of insurance payment cannot be determined within 60 days from the date of receiving the application for insurance payment and relevant certificates and materials, the amount can be determined in advance according to the existing certificates and materials; After we finally determine the amount of insurance money to be paid, we will pay the corresponding difference.
3.5 Handling of declaring death
If the insured is missing and declared dead by the court within the validity period of this contract, we will take the date of death declared by the court as the time of death of the insured. If the insurance payment conditions agreed in this contract are met, the insurance payment shall be made in accordance with this contract, and this contract shall be terminated.
If the insured reappears after being declared dead, or knows that he is not dead, the beneficiary shall, within 30 days after knowing or should know, return the insurance money paid on the condition of death to us, and the effectiveness of this contract shall be determined by both parties according to law.
3.6 Limitation of action
The limitation period for the beneficiary to request payment of insurance benefits from us is 5 years, counting from the day when he knows or should know the occurrence of the insured accident.
4. Payment of insurance premium
4. 1 premium payment
This insurance is calculated on a partial basis. Insurance premiums are paid by wholesale (that is, one-time payment) or by limited payment (that is, once a year within the agreed payment period). The payment period stipulated in this contract is 5 years, 10 years and 20 years. When you apply for insurance, agree with us on the payment method and payment period, and write it down on the insurance policy.
If you choose to pay in a limited time, after paying the first premium, you should pay the remaining premium on the agreed payment date of each premium.
4.2 grace period
If the insurance premium is paid by installments, the grace period shall be 60 days from 0: 00 the day after the agreed insurance premium payment date, unless otherwise agreed in this contract. During the grace period, we will still bear the insurance responsibility, but we will deduct the insurance premium you owe when paying the insurance premium.
If you still fail to pay the insurance premium after the grace period expires, this contract will be terminated at 0: 00 the day after the grace period expires.
5. Cash value equity
5. 1 cash value
Refers to the policy value of this contract, which is usually reflected in the amount refunded by us when the contract is terminated, and is calculated according to actuarial principles. See the corresponding column of this contract for the cash value.
5.2 Policy Pledged Loan
If the insurance policy has accumulated cash value within the validity period of this contract and the additional insurance contract, you can apply for the policy pledge loan after your written application and our approval (the insurance policy and the additional insurance contract of this contract must be pledged together). The loan amount shall not exceed 80% of the cash value balance of this contract and the additional insurance contract insurance policy after deducting all debts at the time of loan. The longest loan period is 6 months, and the loan interest rate is subject to the interest rate agreed in the loan agreement signed between you and our bank.
This contract and this additional insurance contract shall be terminated at 24: 00 on the date when the loan principal and interest plus other arrears reach the cash value of this contract and this additional insurance contract policy.
6. Suspension and resumption of contract effectiveness
6. 1 pause.
During the termination of this contract, we will not assume the insurance liability.
6.2 Effectiveness recovery
Within 2 years after the expiration of this contract, you can apply for restoring the validity of this contract. After we negotiate with you and reach an agreement, the validity of the contract will be restored at 0: 00 the next day after you pay the insurance premium and corresponding interest. The interest on the above supplementary insurance premium shall be calculated according to the interest rate published by our bank with reference to the benchmark interest rate 1 year floating working capital loan.
If you and we still fail to reach an agreement two years after the termination of this contract, we have the right to terminate the contract. If we terminate the contract, we will refund the cash value of the insurance policy to you when the contract is terminated.
7. Termination of contract
7. 1 Procedures and risks of your termination of the contract
If you apply to terminate this contract after the hesitation period, please fill in this contract termination application form and provide us with the following information:
(1) insurance contract;
(2) Your valid identity document.
When we receive an application to terminate the contract, the contract will be terminated. We will refund the cash value of the insurance policy to you within 30 days from the date of receiving the application for termination of the contract.
If you terminate the contract after the hesitation period, you will suffer some losses.
8. Interpretation, notification and termination of rights restrictions
8. 1 explain clearly and tell the truth.
When signing the contract, we should explain the contents of the contract to you.
For the clauses in the insurance clauses that exempt us from liability, when concluding the contract, we should make a prompt enough to attract your attention on the application form, insurance policy or other insurance documents, and make a clear explanation to you in written or oral form. If there is no prompt or clear explanation, this clause will not take effect.
We ask about you and the insured, and you should tell us the truth.
We have the right to terminate this contract if you fail to fulfill the obligation of telling the truth stipulated in the preceding paragraph intentionally or due to gross negligence, which is enough to affect our decision whether to agree to underwrite or increase the insurance rate.
If you deliberately fail to fulfill the obligation of telling the truth, we will not be responsible for paying the insurance premium or returning the insurance premium for the insurance accident that occurred before the termination of this contract.
If the failure to tell the truth due to gross negligence has seriously affected the occurrence of the insured accident, we shall not be responsible for paying the insurance premium for the insured accident that occurred before the termination of this contract, but shall refund the insurance premium.
If we already know what you didn't tell us when signing the contract, we won't terminate the contract; In the event of an insurance accident, we will be responsible for paying the insurance premium.
8.2 Limitation of our right to terminate the contract
If the right to terminate the contract stipulated in "8. 1" of this insurance clause is not exercised for more than 30 days from the date when we know that there are reasons for termination, this right will be extinguished. If it is more than 2 years since the establishment of this contract, we shall not terminate the contract; In the event of an insurance accident, we will be responsible for paying the insurance premium.
9. Other matters needing attention
9. 1 age error
When applying for insurance, the date of birth of the insured shall be filled in according to the valid identity documents on the application form. If an error occurs, you should handle it as follows:
(1) If the age of the insured declared by you is not true, and its true age does not reach the age limit agreed in this contract, we have the right to terminate the contract and return the cash value of the insurance policy to you before the insurance accident occurs. The provisions of "8.2 Limitation of our right to terminate the contract" in this insurance clause apply to our right to terminate the contract.
(2) If the age of the insured declared by you is not true, resulting in the fact that the insurance premium you actually paid is less than the insurance premium payable, we have the right to correct it and ask you to pay the insurance premium. In the event of an insurance accident, the insurance premium shall be paid in proportion to the actually paid insurance premium and the payable insurance premium.
(3) If the age of the insured declared by you is not true, which causes you to pay more insurance premiums than you should pay, we will refund the overcharged insurance premiums to you.
9.2 Unpaid amount
When we pay various insurance premiums, refund the cash value of the insurance policy or refund the insurance premium, if you have unpaid insurance premiums, loans pledged by the policy, other unpaid funds and corresponding interest, we will pay them after deducting the above arrears.
9.3 Changes of Contract Contents
During the validity of this contract, you can negotiate with us to change the relevant contents of this contract. If this contract is changed, we will annotate the insurance policy or attach an approval form, or you will sign a written change agreement with us.
9.4 Contact information change
In order to protect your legitimate rights and interests, please inform us in writing or in other forms recognized by both parties in time when your address, mailing address or telephone number changes. If you fail to notify us in writing or in other forms recognized by both parties, the relevant notice issued by us according to the contact information such as the last address, mailing address or telephone number stipulated in this contract shall be deemed to have been delivered to you.
9.5 Dispute Resolution
During the performance of this contract, if there is a dispute between the two parties, you can choose one of the following two ways to solve the dispute:
(1) Any dispute arising from the performance of this contract shall be settled by both parties through consultation; If negotiation fails, it shall be submitted to the Arbitration Commission agreed in this contract for arbitration;
(2) Any dispute arising from the performance of this contract shall be settled by both parties through consultation. If negotiation fails, a lawsuit shall be brought to the people's court according to law.
10. Explanation
10. 1 agreed payment date of insurance premium
Refers to the day before the effective date of each contract during the premium payment period.
The corresponding date of the contract effective date refers to the corresponding date of the contract effective date every year after the contract effective date, excluding the contract effective date. If there is no corresponding day in the current month, the last day of the current month shall be the corresponding day.
10.2 years old
Refers to the age calculated according to the date of birth recorded in the valid identity document. It is zero year old from the date of birth and increases by one year old every year. Less than one year old is not counted.
10.3 Valid ID card
Refers to the documents stipulated by the competent government departments to prove their identity, such as: resident identity card, valid passport, military officer's card, police officer's card, soldier's card, household register and other documents that can be used according to regulations.
10.4 total disability
Total disability as defined in this contract refers to a person who meets at least one of the following conditions:
(1) Permanent total blindness (note ①);
(2) Loss of wrist joint of both upper limbs or ankle joint of both lower limbs;
(3) Loss of wrist joint above one upper limb and ankle joint above one lower limb;
(4) One eye is completely blind permanently, and the wrist joint of one upper limb is lost;
(5) One eye is completely blind forever, and a lower limb is missing above the ankle joint;
(6) Permanent and complete loss of limb joint function (note ②);
(7) complete and permanent loss of chewing and swallowing function (note ③);
(8) The function of the central nervous system or the function of the thoracic and abdominal organs is so damaged that they can't engage in any work for life, and they need the help of others to maintain the necessary activities of daily life (Note 4).
The identification of total disability should be carried out by hospitals above the second level or medical institutions (or identification institutions) recognized by both parties after the treatment. If the insured has not finished the treatment after 180 days from the date of accidental injury, it shall be appraised according to the physical condition of 180 days.
note:
(1) Blindness includes eyeball loss or enucleation, or inability to distinguish between light and shade, or manual operation in front of eyes. The best corrected visual acuity is lower than the international standard visual acuity chart 0.02, or the visual field radius is less than 5 degrees, and there is a medical diagnosis certificate issued by a qualified ophthalmologist.
② Loss of joint function means that the joint is permanently and completely stiff or paralyzed, or the joint cannot move with consciousness.
(3) The loss of chewing and swallowing function refers to the organic disorder or dysfunction caused by reasons other than teeth, which leads to the state that you can't chew or swallow except liquid food.
(4) In order to maintain life, all activities in daily life need the help of others, that is, eating, urinating, dressing, living, walking and bathing. These are things that you can't do by yourself and need help from others.
10.5 drugs
Refers to opium, heroin, methamphetamine (ice), morphine, marijuana, cocaine and other addictive narcotic drugs and psychotropic drugs controlled by the Criminal Law of People's Republic of China (PRC), but does not include prescription drugs prescribed by doctors for the treatment of diseases but contains drug ingredients.
10.6 drunk driving
It refers to the fact that the alcohol content per 100 ml of blood of a vehicle driver reaches or exceeds a certain standard after detection or identification, and the traffic management department of the public security organ determines that it is drunk driving or drunk driving according to the provisions of the Road Traffic Safety Law.
10.7 driving without a valid driver's license
Refers to one of the following situations:
(1) Not qualified to drive;
(two) driving a vehicle that does not conform to the driver's license;
(3) Driving with a driver's license that has not passed the examination;
(4) When learning to drive with a learner's driver's license, there is no coach to guide you, or you don't learn to drive according to the specified time and route.
10.8 No valid driver's license.
Refers to one of the following situations:
(1) Motor vehicles are deregistered according to law;
(2) Failing to carry out or pass the motor vehicle safety technical inspection on time according to law.
10.9 motor vehicle
Refers to a wheeled vehicle driven or towed by a power plant, running on the road, for people to ride or transport articles, and carrying out special engineering operations.
10. 10 is complicated.
It refers to the fact that we cannot determine the nature, cause, degree of injury or loss of the insured accident within 5 days after we receive the application for insurance payment and the certificates and materials agreed in the contract, which needs further verification.
If you have any questions, please contact me at 98 1226736@qq.com.