+China Life Insurance Additional Kangning Old-age Security China Life Insurance Kangheng Critical Illness Insurance (revised in 2007) Insurance Features A happier life comes from more comprehensive health protection; Industry-leading 40+ 10 disease protection; The scope of protection is wide, and specific diseases are paid first; Unprecedented comprehensive health protection will protect your happy life. We can provide you with serious illness protection and death protection up to three times the insured amount. We can also provide you with 20 kinds of serious illness protection and death protection through policy loans, and return the principal in full at maturity. We can also provide you with up to 29 kinds of serious illness protection and death protection through policy loans, and we can also provide lifelong protection from the insurance period of policy loans to the effective date when the insured reaches 70 years old. The scope of lifelong protection is more than 28 days after birth and less than 60 years old. Anyone who is healthy can become the insured. Anyone who is born more than 30 days and under 70 years old and is in good health can be regarded as the insured. Anyone born more than 30 days and under 65 years old can be the insured. Anyone born more than 30 days and under 65 years old can pay compensation as the insured. There are two delivery methods: one-time delivery and installment delivery. Staging: Ten-year and twenty-year delivery methods are divided into one-time delivery and installment delivery. Staging: Ten-year and twenty-year delivery methods are divided into one-time delivery and installment delivery. Staging: 10 year, 20-year lump-sum delivery/annual delivery, and staging: 5 years/10 year /20 year /30 year insurance liability 1. Within 180 days from the effective date (or final reinstatement date) of this contract, the insured of critical illness insurance suffers from the first confirmed disease.
If the insured suffers from a major disease (regardless of one or more diseases) referred to in this contract for the first time and is diagnosed by a specialist, this contract is terminated, and the company will pay the critical illness insurance premium (excluding interest) according to the insurance premium paid in this contract; One hundred and eighty days after this contract comes into effect (or finally comes into effect), if the insured suffers from a major disease (no matter one or more) referred to in this contract for the first time due to the first-time illness, this contract will be terminated, and our company will pay the critical illness insurance premium according to the basic insurance amount of this contract. If the insured has received or the company should pay the specific disease insurance premium, the company will pay the critical illness insurance premium according to the balance of the basic insurance amount in this contract after deducting the specific disease insurance premium received by the insured or paid by the company. If the above situation is caused by accidental injury, it is not limited by 180 days. I. Critical illness insurance money
The insured suffers from the major diseases (no matter one or more) referred to in this contract for the first time after the effective date (or the final reinstatement date) 180 days, and the company pays critical illness insurance gold at 300% of the basic insurance amount, and this contract is terminated. I. Critical illness insurance money
After 180 days from the effective date (or the final reinstatement date) of this contract, the insured suffers from a serious illness (regardless of one or more diseases) referred to in this contract for the first time, and the Company pays the critical illness insurance premium according to the basic insurance amount, and this contract is terminated. 1. Critical illness insurance premium If the insured suffers from a major disease (regardless of one or more diseases) referred to in this contract for the first time within one year from the effective date of this contract (or the date of final reinstatement), the Company will pay the critical illness insurance premium according to the paid premium (excluding interest), and this contract will be terminated; One year after the contract comes into effect (or finally reinstates), if the insured suffers from a major disease (no matter one or more diseases) referred to in this contract for the first time, the Company will pay the critical illness insurance premium according to the insurance amount specified in the insurance policy, and this contract will be terminated. Two. Within 180 days from the effective date (or the final reinstatement date) of this contract, the insured suffers from the first diagnosed disease.
If the insured suffers from a specific disease (regardless of one or more diseases) referred to in this contract for the first time and is diagnosed by a specialist, the Company will not be responsible for paying insurance benefits, and this contract will continue to be valid; 180 days after the effective date (or the final reinstatement date) of this contract, the disease that occurred for the first time and was diagnosed by a specialist caused the insured to happen for the first time.
Suffering from the specific diseases referred to in this contract, our company will pay 20% of the basic insurance amount in this contract, but the payment is limited to one time, and the maximum payment is RMB 6,543,800+10,000. This contract will continue to be valid. If the above situation is caused by accidental injury, it is not limited by 180 days. Three. Insurance premium for severe physical disability If the insured suffers from serious physical disability due to illness within 180 days from the effective date (or final recovery) of this contract, this contract
Upon the termination of this contract, the company will pay the insurance premium for high physical disability according to the insurance premium paid in this contract (excluding interest); If the insured suffers from a high degree of physical disability due to circumstances other than the above, this contract will be terminated, and the Company will pay the high degree of physical disability insurance money according to the basic insurance amount of this contract. Four. Death Insurance If the insured dies before the effective date (or the final reinstatement date) of this contract and reaches the age of 18, this contract will be terminated, and our company will pay the death insurance according to the insurance premium paid in this contract (excluding interest).
If the insured dies on the effective date of the year when he reaches the age of 18, the Company shall pay the death insurance benefits according to the following agreements: if the insured dies of illness within 180 days from the effective date (or the final reinstatement date) of this contract, the Company shall pay the death insurance benefits according to the insurance benefits paid in this contract (excluding interest); If the insured dies due to circumstances other than the above, this contract is terminated, and our company will pay the death insurance premium according to the basic insurance amount of this contract.
The Company only pays one of the serious illness insurance, high disability insurance and death insurance in this contract, and it is limited to one time. Second, death insurance
If the insured dies, the company will pay 300% of the basic insurance amount of the death insurance, and this contract will be terminated. Second, death insurance
If the insured dies, the company will pay the death insurance money according to the basic insurance amount, and this contract will be terminated. Two. Death insurance: If the insured dies of illness within one year from the effective date (or final reinstatement) of this contract, the Company will pay the death insurance according to the premium paid (excluding interest), and this contract will be terminated; If the insured dies of accidental injury or illness one year after the effective date (or the final reinstatement date) of this contract, the Company will pay the death insurance premium according to the insurance amount specified in the insurance policy, and this contract will be terminated. Three. The insured shall remain in existence until the effective date of the year when the insurance period expires. The Company shall pay the due insurance premium (excluding interest) according to the premium paid in the main contract and this supplementary contract, and this supplementary contract shall be terminated. Forty major diseases within the scope of disease category protection
1. Malignant tumor-excluding some early malignant tumors.
2. Acute myocardial infarction
3. Sequela of apoplexy-permanent sexual dysfunction
4 major organ transplantation or hematopoietic stem cell transplantation-allogeneic transplantation
5. Coronary artery bypass grafting (or coronary artery bypass grafting)-thoracotomy is required.
6. End-stage renal disease (or uremia stage of chronic renal failure)-dialysis treatment or kidney transplantation is needed.
7. Multiple limb loss-complete amputation
8. Acute or subacute severe hepatitis
9. Benign brain tumor-requires craniotomy or radiotherapy.
10. Decompensation period of chronic liver failure-excluding alcoholism or drug abuse.
Guarantee 20 major diseases
First, malignant tumors-exclude some early malignant tumors
Second, acute myocardial infarction
Third, the sequelae of stroke-permanent sexual dysfunction
Four, major organ transplantation or hematopoietic stem cell transplantation-allogeneic transplantation.
Five, coronary artery bypass grafting (or coronary artery bypass grafting)-need to open the chest.
Six, end-stage renal disease (or uremia stage of chronic renal failure)-dialysis treatment or kidney transplantation.
Seven, multi-limb loss-complete amputation
Eight, acute or subacute severe hepatitis
Nine, blindness-permanent irreversibility
Ten, paralysis-permanent complete paralysis
Guarantee 20 major diseases
First, malignant tumors-exclude some early malignant tumors
Second, acute myocardial infarction
Third, the sequelae of stroke-permanent sexual dysfunction
Four, major organ transplantation or hematopoietic stem cell transplantation-allogeneic transplantation.
Five, coronary artery bypass grafting (or coronary artery bypass grafting)-need to open the chest.
Six, end-stage renal disease (or uremia stage of chronic renal failure)-dialysis treatment or kidney transplantation.
Seven, multi-limb loss-complete amputation
Eight, acute or subacute severe hepatitis
Nine, blindness-permanent irreversibility
Ten, paralysis-permanent complete paralysis
Guarantee 29 major diseases
The major disease referred to in this contract refers to the disease, disease state or operation of the insured that meets the conditions described in the following definitions. There are 29 diseases, of which the first to the twenty-second diseases are listed in the Standard for the Definition and Use of Diseases in Critical Illness Insurance formulated by insurance institute of china, and the rest are diseases added by the company.
First, malignant tumors-exclude some early malignant tumors
Second, acute myocardial infarction
Third, the sequelae of stroke-permanent sexual dysfunction
Four, major organ transplantation or hematopoietic stem cell transplantation-allogeneic transplantation.
Five, coronary artery bypass grafting (or coronary artery bypass grafting)-need to open the chest.
Six, end-stage renal disease (or uremia stage of chronic renal failure)-dialysis treatment or kidney transplantation.
Seven, multi-limb loss-complete amputation
Eight, acute or subacute severe hepatitis
Nine, benign brain tumors-need craniotomy or radiotherapy.
X. Decompensated period of chronic liver failure-excluding 1 1 caused by alcohol or drug abuse. Encephalitis sequela or Meningitis Sequela-Permanent Sexual Dysfunction.
12. Deep coma-excluding alcoholism or drug abuse.
13. Deafness in both ears at a specific age-permanent and irreversible, and the insured is over 3 years old.
14. blindness at a specific age-permanently irreversible, and the insured is over 3 years old.
15. Permanent complete paralysis
16. heart valve surgery-thoracotomy is required.
17. Severe Alzheimer's disease-complete loss of independent living ability.
18. Severe brain injury-permanent sexual dysfunction
19. Severe Parkinson's disease-complete loss of autonomous living ability
20. Severe third-degree burns-at least 20% of body surface area.
Xi。 Severe Alzheimer's disease-complete loss of independent living ability.
Twelve, severe brain injury-permanent sexual dysfunction
Thirteen, severe Parkinson's disease-complete loss of independent living ability
Fourteen, severe third-degree burns-body surface area of at least 20%.
15. Severe motor neuron disease-complete loss of independent living ability
Sixteen, severe aplastic anemia
Seventeen, aortic surgery-need to open the chest or laparotomy.
Eighteen, severe multiple sclerosis
Nineteen, severe systemic lupus erythematosus nephropathy
Twenty, myasthenia gravis
Xi。 Severe Alzheimer's disease-complete loss of independent living ability.
Twelve, severe brain injury-permanent sexual dysfunction
Thirteen, severe Parkinson's disease-complete loss of independent living ability
Fourteen, severe third-degree burns-body surface area of at least 20%.
15. Severe motor neuron disease-complete loss of independent living ability
Sixteen, severe aplastic anemia
Seventeen, aortic surgery-need to open the chest or laparotomy.
Eighteen, severe multiple sclerosis
Nineteen, severe systemic lupus erythematosus nephropathy
Twenty, myasthenia gravis
Eleven, deep coma-not including alcoholism or drug abuse.
Twelve, binaural deafness-permanent irreversibility
Thirteen, blindness-permanent irreversibility
Fourteen, paralysis-permanent complete paralysis
15. Severe Alzheimer's disease-complete loss of independent living ability.
Sixteen, severe brain injury-permanent sexual dysfunction
17. Severe Parkinson's disease-complete loss of independent living ability.
Eighteen, severe third-degree burns-body surface area of at least 20%.
Nineteen, severe motor neuron disease-complete loss of independent living ability
Loss of language ability-complete loss and active treatment for at least 12 months.
2 1. Severe primary pulmonary hypertension-heart failure.
22. Severe motor neuron disease-complete loss of autonomous living ability
23. Loss of language ability-complete loss and active treatment for at least 12 months.
24. Severe aplastic anemia
25. Aortic surgery-requires thoracotomy or laparotomy.
26. Severe cardiomyopathy
27. Myasthenia gravis
28. Severe multiple sclerosis
29. Severe polio
30. Severe rheumatoid arthritis
Twenty-one, severe aplastic anemia
Twenty-two, aortic surgery-need to open the chest or laparotomy.
Twenty-three years old, polio
Twenty-four, acute necrotizing pancreatitis open surgery
Twenty-five, brain aneurysm craniotomy
Twenty-six years old, severe multiple sclerosis.
27. Severe systemic lupus erythematosus nephropathy
28. Myasthenia gravis
Twenty-nine, end-stage lung disease