1. If the insured is diagnosed as a child-specific serious disease (regardless of one or more diseases) and is under the age of 25 at the time of diagnosis, he can get a child-specific critical illness insurance of 400,000 yuan, and the contract will remain valid, and the remaining insurance premium will be exempted; After that, if the insured is diagnosed with a serious illness, he can get 400,000 yuan of serious illness insurance money and 800,000 yuan of compensation twice, and the insurance contract is terminated. 2. If the insured is first diagnosed as a major disease (regardless of one or more diseases), he can get 400,000 yuan, and the insurance contract is terminated.
3. If the diseases diagnosed by the insured meet the compensation standards for children's specific major diseases and major diseases at the same time, and they are under the age of 25 at the time of diagnosis, they can get 400,000 yuan for children's specific serious illness insurance and 400,000 yuan for serious illness insurance, and * * * can get 800,000 yuan for compensation, and the effectiveness of the insurance contract is terminated.
4. If the insured dies for reasons other than serious illness, the death insurance premium shall be paid according to the higher of the premium paid at the time of death and the cash value, and the effectiveness of this contract shall be terminated.