I. protection from death or total disability:
(1) If the insured dies or is totally disabled due to illness within 180 days after this contract comes into effect (reinstatement), the insurer will refund the premium paid without interest (excluding the premium increased after underwriting, the same below), and this contract will be terminated; (2) If the insured dies or is totally disabled due to accidental injury, or dies or is totally disabled due to illness 180 days after this contract comes into effect (reinstatement), the insurer will pay 2 times of the insured amount for death or total disability insurance, and this contract will be terminated.
Two. Major illness protection: Before the contract of the insured's 75th birthday comes into effect, the insurer shall pay critical illness insurance gold according to the following provisions:
(1) Within 65,438+080 days after this contract comes into effect (reinstatement), if the insured is diagnosed with the major diseases listed in this contract for the first time by a medical institution recognized by the insurer (a medical institution above Grade II, the same below), or undergoes the major surgery listed in this contract for the first time in a medical institution recognized by the insurer, this contract will be terminated without interest; (II) After this contract comes into effect (reinstatement) 180 days, the insured is diagnosed with major diseases listed in this contract for the first time by a medical institution recognized by the insurer, or undergoes major surgery listed in this contract for the first time in a medical institution recognized by the insurer, and the insurer pays critical illness insurance gold at three times the insured amount, and this contract is terminated.