Model of lifelong insurance clauses for the hottes

2022-08-21
  • Detail

Life care major disease lifelong insurance clause model article 1 "composition of insurance contract"

this insurance contract (hereinafter referred to as the contract) consists of the insurance policy and the terms, statements, annotations contained therein, as well as the insurance policy, validity restoration application, physical examination report and other agreements related to this contract

Article 2 "insurance conditions"

anyone who is over one year old and under 60 years old and in good health can participate in this insurance as the insured. The insured or the person with an insurable interest in the insured may apply for this insurance from the company as an applicant. For the insured under the age of 16, the applicant is limited to the insured's father or mother

Article 3 "commencement of insurance"

the liability of the company to this contract begins at 0:00 on the next day after the insured pays the first premium and the company issues the insurance policy. The insurance start date is the effective date. The corresponding date of each year of the effective date is the effective corresponding date

Article 4 "right to cancel the contract"

within ten days from the next day after the insured receives the insurance policy, the insurance benefits have not been paid. The applicant may return the insurance policy to the company and request in writing to cancel the contract. The validity of this contract shall terminate upon the written request of the applicant to cancel this contract. The applicant returns the insurance policy to the company, and the company will refund the premium paid by the applicant without interest

Article 5 "payment of insurance premium in the second and subsequent periods, grace period for payment of insurance premium and suspension of contract effectiveness"

the payment methods of insurance premium are divided into one-time payment, annual payment, half year payment and monthly payment. When the insurance premium payment method of this contract is selected to be paid in installments, the insurance premium of the second and subsequent installments shall be paid according to the insurance premium payment period, insurance premium payment method and insurance premium payment date listed in the insurance policy. When the company sends personnel to collect the insurance premium, the collector shall deliver the certificate of collecting the insurance premium to the applicant

sixty days from the next day after the date of premium payment specified in the insurance policy is the grace period for premium payment. It is worth mentioning that if an insurance accident occurs during the period, the company will still be responsible for the insurance, but the unpaid premium and interest should be deducted from the insurance benefits paid. At the end of the grace period for the payment of insurance premium, the applicant has not paid the insurance premium. From the next day after the end of the grace period for the payment of insurance premium, this cycle consists of two isothermal processes and two adiabatic processes, which are suspended with the same effect

Article 6 "automatic prepayment of insurance premium"

at the end of the grace period for the payment of insurance premium, the applicant has not paid the insurance premium. If the applicant agrees to the automatic prepayment of insurance premium on the application form, the company will automatically prepay the payable insurance premium and interest at the cash value of this contract at the end of the grace period for the payment of insurance premium, so that this contract will continue to be valid. In case of an insurance accident, the company shall deduct the insurance premium and interest automatically advanced by the company from the insurance benefits paid. When the cash value of this contract is insufficient to advance the insurance premium and interest payable, the validity of this contract shall be suspended

Article 7 "restoration of contract effectiveness"

within two years from the date of suspension of the effectiveness of this contract, the effectiveness of this contract will be restored after the applicant pays the insurance premium through negotiation and agreement between the company and the applicant

Article 8 "termination of contract"

if the applicant is unwilling to continue insurance, he may apply for termination of this contract; If the company and the applicant fail to reach an agreement within two years from the date of suspension of the effectiveness of this contract, the company has the right to terminate this contract. The applicant shall handle the procedures of terminating this contract with the insurance policy, ID card and the receipt of the latest insurance premium. If the applicant fails to pay the insurance premium for two years, the company will refund the insurance premium to the applicant after deducting the handling fee; If the applicant has paid the insurance premium for more than two years, the company will refund the cash value agreed in this contract to the applicant. When the contract is terminated, the company will deduct the insurance premium and interest automatically advanced

Article 9 "obligation of disclosure"

when entering into this contract, the company shall explain the terms and conditions of this contract to the applicant, and ask about the relevant information of the insured. The applicant shall inform the applicant according to the facts

if the applicant deliberately conceals the facts, fails to perform the obligation of truthful disclosure, or fails to perform the obligation of truthful disclosure of 100% biological sources due to negligence, which is enough to affect the company's decision to agree to underwrite or increase the insurance rate, the company has the right to terminate this contract

if the applicant deliberately fails to perform the obligation of truthful disclosure, the company will not pay the insurance benefits for the insurance accidents that occurred before the termination of this contract, and will not return the insurance premium

if the applicant fails to perform the obligation of truthful disclosure due to negligence, which has a serious impact on the occurrence of the insurance accident, the company will not pay the insurance benefits for the insurance accident that occurred before the termination of this contract, but the insurance premium can be refunded

Article 10 "insurance"

during the term of this contract, the company shall bear the following insurances:

I. The insured is diagnosed with a major disease for the first time 180 days after the contract takes effect or is reinstated. The company shall pay the major disease insurance benefits according to the insurance amount listed in the insurance policy, and this contract shall be terminated

II. If the insured dies due to disease or accidental injury, the company will pay the death insurance benefits according to the insured amount listed in the insurance policy, and this contract will be terminated

Article 11 "Notice of insurance accident"

if the insured has an insurance accident within the scope of insurance within the validity of this contract, the applicant, the insured or the beneficiary shall notify the company within 10 days from the date of the occurrence of the insurance accident, otherwise the insured or the beneficiary shall bear the increased survey and investigation costs of the company due to the delay of notification, except for the delay due to force majeure

Article 12 "missing treatment"

if the insured disappears within the validity of this contract and is declared dead by the people's court, the company will pay the insurance benefits according to the death date determined by the judgment

if the insured survives, the beneficiary shall return the insurance benefits received to the company within 30 days

Article 13 "application for insurance benefits"

1. When applying for major disease insurance benefits, the beneficiary shall issue the insurance policy, ID card, the latest insurance premium payment receipt that we can mainly customize for the customer, and the disease diagnosis certificate with the pathological microscope examination, blood examination, and other scientific method inspection reports issued by the medical institution designated or recognized by the company. If the Company deems it necessary

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