Article 2 Insurance Liability Within the validity period of the insurance liability of this contract, the company shall bear the following insurance liabilities:
1. Critical illness insurance: The insured suffers from "critical illness" for the first time after being diagnosed by the hospital within 65,438+0 years from the effective date of the policy. Our company pays "critical illness insurance premium" according to 65,438+00% of the insured amount, and returns the premium paid without interest, and the insurance liability is terminated. The insured suffers from "serious illness" for the first time since the effective date of the policy 1 year, and the company pays "serious illness insurance money" according to the insured amount. The payment of "critical illness insurance" is limited to one time.
2. Death insurance: If the insured dies of illness within 65,438+0 years from the effective date of the policy, the Company will pay 65,438+00% of the insured amount, and return the paid premium without interest, and the insurance liability will be terminated. The aforementioned "paid insurance premium" refers to the current wholesale insurance premium paid at the time of delivery and the current annual insurance premium paid at the time of delivery.
Three. The insured free of premium suffers from "serious illness" for the first time since the effective date of the policy/after KLOC-0/year and before the expiration of the payment period. After receiving the "critical illness insurance premium", the insurance premium for the remaining period will be exempted, and the payment responsibility of the "death insurance premium" will continue to be effective.
Article 3 Exemption from Liability If the insured dies or suffers from "serious illness" for the first time due to one of the following circumstances, the Company shall not be liable for paying insurance benefits:
1. The insured and the beneficiary intentionally kill or hurt the insured;
2. The insured intentionally commits a crime or resists arrest or intentionally injures himself;
3. The insured smokes, smokes or injects drugs;
Four. The insured commits suicide within 2 years from the effective date of this contract;
Five, the insured drunk driving, driving without a license and driving a motor vehicle without a valid driver's license;
6. The insured suffers from AIDS or is infected with HIV (HIV positive);
7. War, military action, riot or armed rebellion;
8. Nuclear explosion, radiation or pollution.
In case of Paragraph 4 above, the Contract is terminated, and the Company will return the cash value of the insurance policy to the applicant. In case of the above-mentioned other circumstances, this contract shall be 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 in full within 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 life. The insurance liability assumed by the Company starts at 0: 00 the day after the Company agrees to underwrite, collect the first premium and issue an insurance policy, and ends at the termination of the contract.
Article 5 Insurance amount and insurance premium The insurance amount of this contract shall be agreed by the applicant and the Company, and shall be specified in the insurance policy. The applicant shall pay the insurance premium to the company according to this contract. If the insurance premium is paid by installments, the insured shall pay the remaining installments according to the agreed payment date after paying the first installment.
Article 6 When this contract is concluded, the Company shall clearly explain the terms of this contract to the applicant, especially the exemption clause, and may make written inquiries to the applicant and the insured, and the applicant and the insured shall truthfully inform them. If the applicant and the insured intentionally fail to fulfill 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 paying the insurance premium and will not refund the insurance premium. If the applicant and the insured fail to fulfill the obligation of truthful disclosure due to negligence, which is enough to affect the company's decision on whether to agree to underwrite or increase the insurance premium rate, the company has the right to terminate this contract; If the occurrence of the insured accident is seriously affected, the Company will not be responsible for paying the insurance premium of the insured accident before the termination of this contract, but will refund the insurance premium after deducting the handling fee.
Article 7 Designation and Change of Beneficiaries The insured or the applicant may designate one or more beneficiaries as the beneficiaries of insurance benefits. When there are several beneficiaries, the order and share of the beneficiaries shall be determined. If the share is not determined, each beneficiary shall enjoy an equal share of the right to benefit. The insured or the applicant can change the beneficiary, but it needs to notify the company in writing, and the company will annotate the insurance policy. The applicant shall obtain the written consent of the insured when designating and changing the beneficiary. The beneficiary of "major illness" insurance money is the insured himself, and the company does not accept designation or change.
Article 8 Notifying the Insured, the Insured or the beneficiary shall notify the Company within 5 days from the date when he knows or should know the occurrence of the insured accident. Otherwise, the applicant, the insured or the beneficiary shall bear the increased exploration and inspection expenses due to the delay in notification. Except for the delay caused by force majeure.
Article 9 Application for insurance money
1. Application for critical illness insurance and exemption from insurance premium: The beneficiary, as the applicant, fills in the Application for Insurance Payment and applies to the Company for insurance payment with the following documents and materials:
1. Insurance policy or other insurance certificate;
2. The latest payment receipt;
3. The beneficiary's household registration certificate and identity certificate;
4. The disease diagnosis certificate issued by the hospital approved by the company with pathological microscope examination, blood test and other scientific methods;
5. Other certificates and materials that can be provided by the beneficiary to confirm the nature and cause of the insured accident.
Two. As the applicant, the beneficiary of the application for death insurance benefits fills in the application for payment of insurance benefits and applies to the Company for payment of insurance benefits with the following documents and materials:
1. Insurance policy or other insurance certificate;
2. The latest payment receipt;
3. The beneficiary's household registration certificate and identity certificate;
4. The death certificate of the insured issued by the public security department or the medical institution recognized by the Company;
5. If the insured declares death, the beneficiary shall provide the certificate of death declaration issued by the people's court;
6. Certificate of cancellation of the insured's household registration;
7. Other certificates and materials that can be provided by the beneficiary to confirm the nature and cause of the insured accident.
3. After receiving the applicant's application for insurance payment and the above-mentioned relevant certificates and materials, the Company shall perform the insurance liability within 10 days after reaching an agreement with the applicant on the insurance amount. For those who do not belong to the insurance liability, a notice of refusal to pay the insurance premium shall be issued to the applicant.
4. If the company cannot determine the amount of insurance benefits within 60 days from the date of receiving the application for insurance benefits from the applicant and the above-mentioned relevant certificates and materials, it shall pay the minimum amount that can be determined according to the existing certificates and materials, and the company will pay the corresponding difference after finally determining the amount of insurance benefits.
5. If the insured returns after being declared dead, the beneficiary of the insurance money shall return the insurance money paid by the Company within 30 days from the date when he knew or should have known that the insured was still alive.
Six, the beneficiary of the company's right to request payment of death insurance benefits, since he knew or should have known that the insured accident occurred within five years from the date of failure to exercise and eliminate; The claim for "major illness" insurance money shall be extinguished if it is not exercised within 2 years from the date of knowing or should have known the occurrence of the insured accident.
Article 10 Deduction of unpaid insurance premiums or unpaid funds When paying various insurance premiums, returning the cash value of insurance policies or returning insurance premiums, if the insured has unpaid insurance premiums or other funds, the company will deduct the above arrears and interest payable before paying. Article 11 The installment insurance premium after the first installment and the installment insurance premium after the first installment of the grace period shall be paid in the manner and date specified in the insurance policy. If it is not delivered at the due date, the grace period is 60 days from the day after the delivery date specified in the insurance policy. In the event of an insured accident during the grace period, the Company shall still bear the insurance liability.
Article 12 The validity of a contract shall be suspended.