Reading suggestions
This reading tip is intended to help you better understand the terms, and the interpretation of the contents of this contract shall be subject to the text of the terms. The important rights and interests you have after signing the contract are 10.
Within a few days, you can ask for a full refund of the insurance premium. .................................................................................................................................................................
You have the right to terminate this contract.
Matters that you should pay special attention to, you should inform us of the insured accident in time 3.2
The beneficiary's right to apply for insurance money shall be exercised within a certain period of time.
You should pay the insurance premium on time in ..................................................................... 4. 1.
In some cases, the validity of this contract is suspended 4.2, 5.2 and 6. 1.
The termination of the contract will bring you some losses, so please make a careful decision. ..............................................................................................................................................................
We have explained some important terms, please pay attention to ...................................... 1 1.
Clause is an important part of insurance contract. In order to fully protect your rights, please read this clause carefully. Table of Terms 3.4 Judicial Appraisal 3.5 Insurance Payment 3.6 Missing Handling 3.7 Limitation of Action 4
Pay insurance premium 4. 1 pay insurance premium 4.2 grace period 5 cash value equity 5. 1 cash value 5.2 policy loan 6 suspension and restoration of contract effectiveness 6. 1 suspension of effectiveness 6.2
Restoration of effectiveness 7. Termination of contract 7. 1 Procedure and risk 8. Termination of contract effectiveness 8. 1 Termination of contract effectiveness 9. 1 Explicitly explain and truthfully inform 9.2
Restrict the company's right to terminate the contract 10 Other precautions 10. 1 aging error 10.2 outstanding amount 10.3 change of basic insurance amount 10.4 change of contract content 10.5.
Change of address/KOOC-0/0.6 Dispute Resolution/KOOC-0//KOOC-0/Explanation/KOOC-0/Contract Constitution/KOOC-0/.2 Establishment and effectiveness of insurance contract/KOOC-0/.3 Insurance period/KOOC-0/.4 Insurance age/KOOC-0/.
The contract you signed with us
2. The guarantee we provide 2. 1 basic insurance amount 2.2 insurance liability 2.3 exclusion liability 3 insurance claim 3. 1 beneficiary 3.2 insurance accident notice 3.3 insurance claim.
Sino-Italian Le Anfu Endowment Insurance Clause
In this clause, "you" refers to the applicant, "we" and "our company" refer to Sino-Italian Life Insurance Co., Ltd., and "Contract" refers to the insurance contract of Sino-Italian Endowment Insurance signed between you and us.
There are too many contents below, so you can browse in official website.
The following is what I think is the key content:
Basic insurance amount The basic insurance amount of this contract shall be agreed with us when you apply for insurance and stated in the insurance policy. Where the basic insurance amount changes, the changed basic insurance amount shall prevail.
During the validity period of this contract, we undertake the following insurance responsibilities: During the validity period of this contract, we only undertake one of the following two insurance responsibilities: the insured suffers an accidental injury accident during the insurance period, and since the date of the accident,
He died within 180 days due to this accident as a direct and separate cause, and we have paid compensation according to this contract, this contract and the basic insurance amount of the Sino-Italian supplementary Le Anfu critical illness insurance contract.
The amount of premium paid shall be paid to the beneficiary of death insurance, and the effectiveness of this contract and its supplementary contract shall be terminated. If the insured dies for reasons other than accidental injury, we will provide the following death insurance benefits.
The beneficiary pays the death insurance, and the effectiveness of this contract will be terminated from the effective date of this contract or the last reinstatement date (whichever comes first): (1)
If he dies within 90 days (including 90 days), we will return the insurance premium paid in this contract and the Sino-Italian Le Jia Anfu critical illness insurance contract.
(2) If the insured dies 90 days after the effective date of this contract or the last reinstatement date (whichever is later), we will pay this contract and the basic insurance amount of this contract.
And pay the sum of the premiums in the Sino-Italian additional Le Anfu critical illness insurance contract, and pay the death insurance benefits to the beneficiaries. The sum of the life insurance for minor children and the insurance money paid due to the death of the insured.
It shall not exceed the limit set by the the State Council Insurance Regulatory Authority, and the sum of the insurance benefits paid at the time of death shall not exceed the above limit.
2.2 2.2. 1 2.2. 1. 1
Insurance liability death insurance premium accidental death insurance premium
2.2. 1.2
Non-accidental death insurance
Limitation of death insurance for minors
2.2.2 2.2.2. 1
If the insured survives every 1 anniversary since the effective date of this contract, we will pay the insured a survival annuity on the anniversary of each policy. The payment period of the first survival annuity is the first one.
1 anniversary of insurance policy. According to the premium payment period you choose, the survival annuity is calculated as follows: If the premium payment period you choose is 10 year, the survival annuity is equal to the contract and the Sino-Italian annex.
The insurance premium paid in the year of Le Jia Anfu critical illness insurance Contract was ×3%. If the insurance premium payment period has expired, the survival annuity is the same as that corresponding to the last policy year of the insurance premium payment period;
If the insurance premium payment period you choose is 15 years, the survival annuity is equal to the insurance premium paid in the current year in this contract and the Le Jia Anfu critical illness insurance contract attached to China and Italy ×4%. If the insurance premium payment period has expired,
Then the survival annuity is the same as that corresponding to the last policy year of the insurance premium payment period; If the premium payment period you choose is 20 years, the survival annuity = this contract and the Sino-Italian annex.
The premium paid by Le Jia Anfu Critical Illness Insurance in that year was ×5%. If the insurance premium payment period has expired, the survival annuity is the same as that corresponding to the last policy year of the insurance premium payment period.
If the insured is still alive at the expiration of the insurance period of this contract, we will pay "maturity payment" according to the insurance premium paid in this contract and the Sino-Italian supplementary Le Anfu critical illness insurance contract, and this contract and its supplementary contracts will be terminated at the same time.
Insurance claim
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 insurance benefits can be determined. if
If there is no definite share, each beneficiary shall enjoy an equal share of the right to benefit. 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 and notify us in writing. After receiving the written notice of change of beneficiary, our bank will annotate or
Attach the approval form. 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.
We should fulfill the obligation to pay insurance benefits in accordance with the provisions of the Inheritance Law of People's Republic of China (PRC): (1) No beneficiary is designated, or the designated beneficiary is unknown or uncertain;
(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. The beneficiary intentionally causes the death, disability or illness of the insured, or intentionally kills the insured.
If the insurer fails to do so, the beneficiary loses the right to benefit. You or the beneficiary should inform us within 10 days after you know the insured accident. If you or the beneficiary fails to notify in time intentionally or due to gross negligence, resulting in an insured accident.
If the nature, cause and extent of the loss are difficult to determine, we are not responsible for paying the insurance premium for the undetermined part, but we already know or should know it in time through other channels.
Unless we know the occurrence of the insured accident in time or fail to notify it in time, it will not affect our determination of the nature, cause and loss degree of the insured accident.
period of grace
It is stated in the contract that the payment method of this contract is to pay the insurance premium by installments. After paying the first premium, the remaining premium shall be paid on the agreed payment date of each premium.
If the insurance premium is paid by installments, after you pay the first premium, unless otherwise agreed in this contract, if you fail to pay the due insurance premium, it will be 60 from 0: 00 the day after the agreed insurance premium payment date.
Days is a grace period. We will still bear the insurance responsibility for the insurance accidents that occur during the grace period, 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, this contract will become invalid after the grace period.
The validity period is suspended from 0: 00 on the same day.
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5. 1 5.2
Cash value equity
Cash value policy loan The cash value at the end of each policy year of this contract will be indicated in the policy. You can apply for a loan from us during the validity of this contract. The loan amount shall not exceed this contract.
The cash value of the contract is 80% of the balance after deducting all debts, and the longest loan period is no more than 6 months. The maximum loan interest rate shall not exceed the higher of the following two, subject to our announcement:
(1) The sum of the six-month loan interest rate of China People's Bank and 2% in the same period; (2)4%. We will announce the loan interest rate twice a year, at 1 in October and 1 in July.
The loan principal and interest shall be repaid before the expiration of the current loan period. Unpaid interest will be incorporated into the original loan amount and regarded as a new loan. The day after the loan principal and interest plus other arrears reach the cash value of this contract.
As of 0: 00, the effectiveness of this contract is suspended.
Suspension and resumption of contract effectiveness
Suspension and restoration of effectiveness During the suspension of the effectiveness of this contract, we will not bear the insurance liability. Within 2 years after the termination of this contract, you can apply for the restoration of the contract. After consultation and agreement,
This contract will come into effect at 0: 00 the day after you pay the insurance premium and all other unpaid items. If you and we fail to reach an agreement two years after the expiration of this contract, we have the right.
Termination of the contract. If we terminate the contract, we will refund the cash value of the contract to you when the contract is terminated.
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7. 1
Termination of contract
Procedures and risks of contract termination If you apply for contract termination after the hesitation period, please fill in the Application Form for Contract Termination and provide us with the following information: (1) Insurance contract; (2) Your valid identification.
When we receive an application to terminate the contract, the validity of this contract will be terminated. We will refund the cash value of this contract 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. 1
Malignant tumor
It refers to diseases in which malignant cells grow and spread uncontrollably, infiltrate and destroy surrounding normal tissues, and can spread and transfer to other parts of the body through blood vessels, lymphatic vessels and body cavities. Pathological examination showed that.
Clear diagnosis, clinical diagnosis belongs to the category of malignant tumor in the International Statistical Classification of Diseases and Related Health Problems (ICD- 10) of the World Health Organization. The following diseases are not covered: (1) carcinoma in situ;
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(2) Chronic lymphoblastic leukemia corresponding to stage A of Binet staging scheme; (3) Hodgkin's disease equivalent to Ann Arbor stage I;
(4) Skin cancer (excluding malignant melanoma and metastatic skin cancer); (5) Prostate cancer with TNM stage of (5)t 1n0m 0 or less;
(6) Malignant tumor during HIV infection or AIDS. 8.2 Acute myocardial infarction refers to partial myocardial necrosis caused by coronary artery occlusion and insufficient blood supply in the corresponding area. At least three conditions must be met:
(1) Typical clinical manifestations, such as acute chest pain; (2) Recent ECG changes suggest acute myocardial infarction; (3) Myocardial enzymes or troponin increased in diagnosis, or showed dynamic changes consistent with acute myocardial infarction;
(4) After 90 days of onset, it is confirmed that the left ventricular function is decreased, such as the left ventricular ejection fraction is lower than 50%. 8.3 sequelae of stroke.
Refers to the sudden change of cerebrovascular disease leading to cerebrovascular hemorrhage, embolism or infarction, and leading to permanent dysfunction of nervous system. Permanent dysfunction of nervous system means that the disease still exists 180 days after diagnosis.
Have one or more of the following obstacles: (1) complete loss of function of one or more limbs; (2) complete loss of language ability or chewing and swallowing ability;
(3) completely lost the ability to live independently, unable to independently complete three or more of the six basic activities of daily life 8.4 major organ transplantation or hematopoietic stem cell transplantation.
Large organ transplantation refers to allograft of kidney, liver, heart or lung due to corresponding organ failure. Hematopoietic stem cell transplantation refers to hematopoietic dysfunction or malignant tumor of hematopoietic system, which has been carried out.
Allogeneic hematopoietic stem cell transplantation (including bone marrow hematopoietic stem cells, peripheral blood hematopoietic stem cells and cord blood hematopoietic stem cells). 8.5 Coronary artery bypass grafting (or coronary artery bypass grafting)
In order to treat severe coronary heart disease, non-thoracotomy methods such as coronary artery bypass grafting, coronary stent implantation, balloon dilatation of cardiac catheter and laser radio frequency technology have actually been implemented.
Endoscopic surgery is not covered. 8.6 End-stage renal disease (or uremia stage of chronic renal failure) 8.7 limb loss.
Refers to the complete amputation of two or more limbs from the proximal end of the wrist or ankle joint (near the trunk end) due to illness or accidental injury. Refers to chronic irreversible renal failure, reaching uremia stage, at least diagnosed.
Regular dialysis for 90 days or kidney transplantation.
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8.8
Acute or subacute severe hepatitis
It refers to the diffuse necrosis of liver tissue caused by hepatitis virus infection, which leads to acute liver failure. It must be diagnosed by serum examination or virology examination, and all the following conditions must be met: (1) Severe jaundice or rapid aggravation of jaundice;
(2) Hepatic encephalopathy; (3)B-ultrasound or other imaging examination showed that the liver volume was rapidly reduced; (4) Progressive deterioration of liver function.
8.9
Benign brain tumor
Benign brain tumor has caused increased intracranial pressure, and its clinical manifestations are papilla edema, mental symptoms, epilepsy, dyskinesia and so on, which are life-threatening.
Imaging examinations such as magnetic resonance imaging (MRI) or positron emission tomography (PET) confirm that at least one of the following conditions must be met: (1) Brain tumors are actually completely or partially removed during craniotomy;
(2) In fact, brain tumors were treated with radiotherapy. Pituitary tumors, brain cysts and cerebrovascular diseases are not covered.
8. 10
Decompensated stage of chronic liver failure
Refers to liver failure caused by chronic liver disease. All the following conditions must be met: (1) persistent jaundice; (2) ascites; (3) Hepatic encephalopathy; (4) Congestive splenomegaly with hypersplenism or esophageal and gastric varices.
Liver failure caused by alcoholism or drug abuse is not covered.
8. 1 1
Encephalitis sequela or meningitis sequelae.
Refers to the permanent sexual dysfunction of the nervous system caused by encephalitis or meningitis. Permanent dysfunction of nervous system means that one or more of the following disorders still exist within 180 days after diagnosis:
(1) complete loss of function of one or more limbs; (2) complete loss of language ability or chewing and swallowing ability; (3) completely lost the ability to live independently, unable to independently complete three of the six basic activities of daily life.
Three or more projects.
8. 12
deep coma
Refers to the loss of consciousness due to illness or accidental injury, and no response to external stimuli and internal needs. The degree of coma was 5 or 5 according to Glasgow coma scale.
Point below, and have been using ventilators and other life support systems for more than 96 hours. Deep coma caused by alcoholism or drug abuse is not covered.
8. 13
become deaf in both ears
Refers to the permanent irreversible binaural hearing loss caused by illness or accidental injury. At the speech frequencies of 500 Hz, 1000 Hz and 2000 Hz, the average hearing threshold is greater than 90 dB, and it has been tested by pure tone hearing.
Acoustic immittance test or auditory evoked potential test. Special statement: We accept the claims of the insured over three years old, and the insured must provide evidence of hearing loss diagnosis and examination when making claims.
If the insured is under three years old at the time of onset, we will postpone the acceptance and evaluation until the insured reaches three years old.
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8. 14
Blindness of eyes
Refers to the permanent and irreversible loss of binocular vision due to disease or accidental injury, and one eye with good eyes must meet at least one of the following conditions: (1) eyeball loss or enucleation; (2) Corrected vision is lower than
0.02 (international standard visual acuity chart is adopted, if other visual acuity charts are used, they should be converted); (3) The visual field radius is less than 5 degrees.
Special statement: we accept the claims of the insured over three years old, and the insured must provide the diagnosis and inspection certificate of vision loss when accepting the claims. If the insured is sick,
If the insured is under three years old, we will postpone the acceptance and evaluation until the insured is over three years old.
8. 15
Emotion is completely out of control
Refers to the permanent and complete loss of limb function of two or more limbs due to illness or accidental injury. Permanent complete loss of limb function refers to the third grade of each limb after the diagnosis of the disease 180 days or accidental injury 180 days.
The two main joints in the joint are still completely stiff or unable to move with consciousness.
8. 16
Heart valve surgery
Refers to the manual operation of heart valve replacement or repair by thoracotomy for the treatment of heart valve diseases.
8. 17
Severe Alzheimer's disease
Refers to the progressive and irreversible changes in the brain, leading to a serious decline or loss of intelligence. The clinical manifestations are obvious cognitive impairment, abnormal behavior and decreased social ability, and daily life must continue to be influenced by others.
Monitor. The diagnosis must be made by brain tomography (CT), magnetic resonance imaging (MRI), positron emission tomography (PET) and other imaging examinations. He has completely lost his ability to live independently and cannot do it independently.
Three or more of the six basic activities in daily life. Neurosis and mental illness are not covered.
8. 18
Severe brain injury
It refers to the injury of important parts of the brain caused by mechanical external force on the head, which leads to permanent sexual dysfunction of the nervous system. Diagnosis must be made by head tomography (CT), magnetic resonance imaging (MRI) or positron emission tomography.
Imaging examinations such as tomography (PET) have confirmed that permanent dysfunction of nervous system means that one or more of the following disorders still exist 180 days after brain injury: (1) complete loss of one or more limbs;
(2) complete loss of language ability or chewing and swallowing ability; (3) the ability to live independently is completely lost, and it is impossible to independently complete three or more of the six basic activities of daily life.
8. 19
Severe Parkinson's disease
It is a degenerative disease of the central nervous system, with clinical manifestations such as tremor paralysis and ataxia. All the following conditions must be met: (1) The disease cannot be controlled by drug treatment;
(2) the ability to live independently is completely lost, and it is impossible to independently complete three or more of the six basic activities of daily life. Secondary Parkinson's disease is not covered.
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8.20
severe third degree burns
Refers to the degree of burn, and the third-degree burn area reaches 20% or 20% of the total body surface area. The body surface area is calculated according to "China's new nine-point method".
8.2 1
Severe primary pulmonary hypertension
It refers to a chronic disease that causes permanent and irreversible restriction of physical activity due to the continuous increase and progressive development of pulmonary artery pressure with unknown reasons, and reaches the cardiac function classification level IV of new york Cardiology Association.
Grade, and the average pulmonary artery pressure at rest exceeds 30mmHg.
8.22
Severe motor neuron disease
It is a group of progressive degenerative diseases of motor neurons in the central nervous system, including progressive spinal muscular atrophy, progressive bulbar palsy, primary lateral sclerosis and amyotrophic lateral sclerosis.
Completely lost the ability to live independently, unable to independently complete three or more of the six basic daily activities.
8.23
Loss of language ability
It refers to those who have completely lost their language ability due to illness or accidental injury, and can't be recovered by existing medical means after active treatment for at least 12 months (the complete removal of sound tape is not limited by this time).
Language loss caused by mental and psychological factors is not covered. Special statement: we accept claims and insurance payments from the insured over three years old.
Applicants must provide proof of diagnosis and examination of language barriers when making claims. If the insured is under three years old at the time of onset, we will postpone the acceptance and evaluation until the insured is over three years old.
8.24
Severe aplastic anemia
It refers to anemia, neutropenia and thrombocytopenia caused by chronic continuous failure of bone marrow hematopoietic function. All the following conditions must be met: (1) The results of bone marrow puncture or bone marrow biopsy support the diagnosis;
(2) The peripheral blood picture must meet the following three conditions: ① The absolute value of neutrophils ≤ 0.5×109/L; ② Reticulocyte
8.25
Aortic surgery
Refers to the operation of removing, replacing and repairing the damaged aorta by thoracotomy or laparotomy for the treatment of aortic diseases. Aorta refers to thoracic aorta and abdominal aorta, excluding the branches of thoracic aorta and abdominal aorta.
Intra-arterial angioplasty is not covered.
8.26
Severe cardiomyopathy
Refers to the permanent and irreversible limitation of physical activity and kinetic energy caused by chronic cardiac function damage caused by cardiomyopathy of the insured, reaching Grade IV of new york Cardiology Association. Cardiomyopathy must be diagnosed by echocardiography in the hospital.
Cardiomyopathy caused by alcoholism or drug abuse is not covered.
8.27
Chronic lung failure
Chronic lung disease leads to permanent and irreversible chronic respiratory failure, and all the following conditions must be met: (1) dyspnea at rest; (2) arterial oxygen partial pressure
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(3) arterial oxygen saturation (Sao 2)
Multiple sclerosis is a multifocal demyelinating lesion in the white matter of the central nervous system. Multiple sclerosis must be diagnosed by magnetic resonance imaging (MRI) and other imaging examinations, and the insured has been permanently and irreversibly unable to complete it independently.
Any of the following basic daily activities: (1) moving: moving from one room to another by yourself; (2) Eating: Take food out of the prepared bowl or plate and put it in the mouth.