Second, Health Evergreen has a minor illness liability, that is, the minor illness liability mentioned in the contract appears for the first time after 180 days, and pays 10% of the basic insurance amount (i.e. 10000). If the cancer referred to in the contract occurs for the first time after 180 days, the insurance amount of 654.38+million will be paid to terminate the contract; Getting better and better is more than 1.200, and the basic coverage should be 1.000. One year after the contract came into effect, it was confirmed for the first time that the diagnosis insurance premium was 50,000 yuan (that is, the basic insurance premium *5), the hospitalization allowance insurance premium was 100 yuan, and the operation insurance premium was 100 yuan (twice a year); The insurance premium for radiotherapy and chemotherapy is 20,000 yuan (per year 1 time, limited to cumulative1time). The insurance premium for liver transplantation or hematopoietic stem cell transplantation is 654.38+10,000 (the insurance period is limited to two times).
Third, if you die of non-cancer during the insurance period, you will be paid according to the premium paid; Gradually Kang Jishun pays according to the greater of the premium paid and the cash value of the policy.
Fourth, after the expiration of the insurance period, the risks listed in the contract have not occurred, and neither health evergreen nor health auspicious has been returned.
Fifth, it is necessary to pay attention to the exemption of liability of both healthy evergreen and healthy Jishun (in the form of clauses, without extra money). Evergreen health means that "the insured is exempt from insurance premiums due to accidental injury, death or total physical disability"; Gradually, Jishun is a "renewal-free premium" (meaning that if the insured has contracted cancer one year after the contract comes into effect, the renewal premium can be exempted from the date of diagnosis. The contract continues to be valid). I hope it works for you!