人壽保險(xiǎn)公司重大疾病終身保險(xiǎn)條款（LIFEINSURANCECOMPANYLIFEINSURANCECLAUSESFORMAJORDISEASES）LIFEINSURANCECOMPANYAGAINSTMAJORDISEASES,LIFEINSURANCECLAUSESAGAINSTSEETEXTAGAINSTAGAINSTFIRSTAGAINSTTHEINSURANCECONTRACTFORMSANLIINSURANCECONTRACTHEREINAFTERREFERREDTOASTHECONTRACTBYTHEINSURANCEPOLICYANDTHEATTACHEDTERMS,STATEMENTS,NOTES,ANDINCONNECTIONWITHTHECONTRACT,INSURANCEGROUP,REINSTATEMENTAPPLICATION,HEALTHDECLARATIONANDOTHERWRITTENAGREEMENTSCONSTITUTEAGAINSTAGAINSTSECONDAGAINSTCOVERAGEAGAINSTAGAINSTALLSEVENTYYEARSOFAGE,PHYSICALHEALTHMAYASTHEINSUREDPERSONORBYHAVINGANINSURABLEINTERESTONTHEINSUREDPERSONASTOTHELIFEINSURANCECOMPANYHEREINAFTERREFERREDTOASTHECOMPANYTHEINSUREDINSURANCEAGAINSTAGAINSTTHETHIRDAGAINSTTHECOMMENCEMENTOFTHEINSURANCELIABILITYSANLICOMPANYUNDERTAKESTHEINSURANCELIABILITYFROMTHECOMPANYAGREESTOACCEPTTHECHARGE,THEINITIALPREMIUMANDINSURANCEISSUEDBYTHESTARTOFTHEDAYUNLESSOTHERWISEAGREEDTHEDATEOFCOMMENCEMENTOFTHEINSURANCELIABILITYSHALLBETHEEFFECTIVEDATEOFTHECONTRACT,ANDTHECORRESPONDINGDATEOFTHEEFFECTIVEDATEOFEACHYEARORHALFYEARSHALLBETHEEFFECTIVEDATEOFTHECONTRACTEVERYYEARORHALFAYEARAGAINSTAGAINSTFOURTHAGAINSTTHEINSURANCELIABILITYAGAINSTAGAINSTTHEVALIDITYOFTHECONTRACT,THEINSURANCECOMPANYOFTHENEGATIVEAGAINSTAGAINSTTHEINSUREDORTHEENTRYINTOFORCEOFTHISCONTRACTORREINSTATEMENTTHEDATEOFONEHUNDREDANDEIGHTYDAYSAFTERTHEFIRSTOCCURRENCE,ANDTHEMEDICALINSTITUTIONSDESIGNATEDORAPPROVEDTHECOMPANYSDIAGNOSEDWITHMAJORDISEASESEITHERONEORMORE,THECOMPANYINSURESSERIOUSILLNESSESBYTWOTIMESTHEBASICCOVERAGEOFTHECONTRACTTHEMAJORDISEASEINSURANCEPAYMENTSHALLTERMINATEIFTHEMAJORDISEASEINSURANCEAGAINSTAGAINSTPAYMENTINPAYMENTPERIOD,PAYMENTFROMTHEDATEOFTHEEXEMPTIONPERIODINSURANCEPREMIUM,THISCONTRACTSHALLCONTINUETOBEEFFECTIVEAGAINSTAGAINSTTWO,THEDEATHOFTHEINSURED,THECOMPANYACCORDINGTOTHEBASICAMOUNTOFTHREETIMESTHEPAYMENTOFDEATHINSURANCE,BUTSHOULDBEDEDUCTEDFROMTHECRITICALILLNESSINSURANCEHASBEENPAID,THETERMINATIONOFTHECONTRACTAGAINSTAGAINSTTHREE,THEINSUREDBODYHEIGHTDISABILITY,THISCOMPANYSHALLPAYTHEBASICINSUREDAMOUNTOFTHREETIMESTHEHEIGHTOFDISABILITYINSURANCE,BUTSHOULDBEDEDUCTEDFROMTHEMAJORDISEASEINSURANCEHASBEENPAID,THETERMINATIONOFTHECONTRACTAGAINSTAGAINSTFIFTHAGAINSTTHELIABILITYEXEMPTIONAGAINSTAGAINSTBECAUSEOFTHEFOLLOWINGCIRCUMSTANCESLEADTOTHEDEATHOFTHEINSUREDPERSON,THEBODYHEIGHTOFDISABILITYORSUFFERINGFROMSERIOUSDISEASES,THECOMPANYASSUMESLIABILITYINSURANCEAGAINSTAGAINST,THEINSURED,THEBENEFICIARYINTENTIONALLYBEHAVIOROFTHEINSUREDTWO,THEINSUREDAGAINSTAGAINSTINTENTIONALCRIME,RESISTINGARREST,SELFINFLICTEDINJURIESTHREE,AGAINSTAGAINSTTHEINSURED,TAKINGORINJECTINGDRUGUSEAGAINSTAGAINSTFOUR,THEINSUREDSHALLINTHECONTRACTORREINSTATEMENTWITHINTWOYEARSFROMTHEDATEOFDUTCHACTFIVE,THEINSUREDAGAINSTAGAINSTDRUNKDRIVING,DRIVINGWITHOUTAVALIDLICENCE,ORDRIVINGAMOTORVEHICLEWITHOUTVALIDDRIVINGLICENSESIX,THEINSUREDAGAINSTAGAINSTHIVINFECTIONHIVPOSITIVEORSUFFERINGFROMAIDSAIDS,ORBECAUSEOFCONGENITALDISEASEDEATHAGAINSTAGAINSTSEVEN,THEINSUREDSHALLINTHECONTRACTORREINSTATEMENTWITHINONEHUNDREDANDEIGHTYDAYSFROMTHEDATEOFSUFFERINGFROMSERIOUSDISEASEORBECAUSEOFDISEASEANDDEATHORDISABILITYCAUSEDBYBODYHEIGHTAGAINSTAGAINSTEIGHT,WAR,MILITARYACTION,RIOTSORARMEDREBELLIONAGAINSTAGAINSTNINE,NUCLEAREXPLOSION,NUCLEARRADIATIONORNUCLEARPOLLUTIONANDCAUSEDBYTHEDISEASEAGAINSTAGAINSTTHEPRECEDINGPARAGRAPHSOCCURS,THETERMINATIONOFTHECONTRACTTHEAPPLICANTHASPAIDMORETHANTWOYEARSOFINSURANCEPREMIUMS,THECOMPANYRETURNEDTHECASHVALUEOFTHEINSURANCEPOLICYTHEAPPLICANTDIDNOTPAYTHEINSURANCEPREMIUMFORTWOYEARS,THECOMPANYAFTERDEDUCTINGTHEHANDLINGFEES,REFUNDTHEINSURANCEPREMIUMSIXTHAGAINSTINSURANCEAGAINSTAGAINSTAGAINSTAGAINSTINSURANCEDELIVERYINTOBARGES,ATTHETURNOFTHEYEAR,OVERHALF,THEPERIODOFPAYMENTOFPREMIUMFORINSTALLMENTPAYMENTISDIVIDEDINTOTENYEARSANDTWENTYYEARS,ANDTHEPOLICYHOLDERSHALLCHOOSETHEINSURANCEPREMIUMWHENITISINSUREDAGAINSTSEVENTHAGAINSTFIRSTAGAINSTTHEINSURANCEPREMIUM,INSURANCE,DELIVERYOFTHEGRACEPERIODAUTOMATICALLYPAIDANDTERMINATIONOFTHECONTRACTAGAINSTAGAINSTINSTALLMENTINSURANCEFEES,PAYMENTPREMIUMSHALLBEINACCORDANCEWITHTHEFOLLOWINGPROVISIONSTOTHECOMPANYDELIVERYAGAINSTAGAINSTAYEARTOPAYINSURANCEPREMIUMSFORTHEENTRYINTOFORCEONTHEDATEOFDELIVERYOFTHISCONTRACTCORRESPONDINGTOEVERYYEARAGAINSTAGAINSTTWO,HALFAYEARPAYINSURANCEPREMIUMSFORTHEDELIVERYDATEOFTHECONTRACTINFORCEINEACHHALFOFTHECORRESPONDINGDAYAGAINSTAGAINSTIFNOTACCORDINGTOTHEABOVEPROVISIONSOFTHEDATEOFPAYMENTOFINSURANCEPREMIUM,SINCETHENEXTDAYSIXTYDAYGRACEPERIODTHEINSURANCEACCIDENTOCCURSWITHINTHEGRACEPERIOD,THECOMPANYSTILLBEARSINSURANCERESPONSIBILITYMORETHANGRACEPERIODNOTPAYINSURANCEFEES,SUCHASTHECONTRACTWHENTHECASHVALUE,ANDTHEVALUEOFCASHBALANCESANDPAYINSURANCEPREMIUMSOWEDDEDUCTIONOFINTERESTONLOANSANDINTERESTTOPAIDDUETOPAYINSURANCEPREMIUM,THECOMPANYWILLBEAUTOMATICALLYPAIDTHELESSPAYINSURANCE,THECONTRACTSHALLCONTINUETOBEVALIDTHENTHEVALUEOFTHECONTRACTWHENTHECASHBALANCEISNOTENOUGHTOPAYFORTHEINSURANCEPAIDDUETIME,ORTHEPADPREMIUMANDINTERESTCASHVALUEOFTHISCONTRACT,THETERMINATIONOFTHECONTRACTAGAINSTAGAINSTEIGHTHAGAINSTTHEVALIDITYOFTHECONTRACTRECOVERYAGAINSTAGAINSTINTHECONTRACTVALIDITYWITHINTWOYEARSSINCETHEDATEOFTERMINATION,THEINSUREDMAYFILLINTHEAPPLICATIONFORREINSTATEMENTOFTHEBOOK,ANDTOPROVIDEMEDICALINSTITUTIONSISSUEDBYTHEINSURERSHEALTHDECLARATIONORTHECOMPANYDESIGNATEDORAPPROVEDBYTHEEXAMINATIONREPORT,APPLYFORRESTORATIONOFTHEVALIDITYOFTHECONTRACT,AGREEDBYTHECOMPANYSAUDIT,THESELFINSUREDPAYUNDERTHEINSURANCEPREMIUMANDINTEREST,THECONTRACTEFFECTIVENESSRESTORESAGAINSTAGAINSTSINCETHETERMINATIONOFTHECONTRACTWITHINTWOYEARSFROMTHEDATEOFTHETWOSIDESDIDNOTREACHANAGREEMENT,THECOMPANYHASTHERIGHTTOTERMINATETHISCONTRACTTHEAPPLICANTHASPAIDMORETHANTWOYEARSOFINSURANCEPREMIUMS,THECOMPANYRETURNEDTHECASHVALUEOFTHEINSURANCEPOLICYTHEAPPLICANTDIDNOTPAYTWOYEARSOFINSURANCEPREMIUMS,THECOMPANYAFTERDEDUCTINGTHEHANDLINGFEES,REFUNDTHEINSURANCEPREMIUMAGAINSTAGAINSTNINTHAGAINSTREDUCINGTHEAMOUNTPAIDINSURANCEOPTIONAGAINSTAGAINSTINTHECONTRACTWITHTHECASHVALUEOFTHECASE,THEAPPLICANTMAYATTHETIMEOFTHECONTRACTACCORDINGTOTHECASHVALUEINTHEINSURANCEANDDEDUCTTHEBALANCEOWEDTOTHELOANINTEREST,ANDINTEREST,ASALLINSURANCEYICIJIAOQING,REDUCETHEAMOUNTOFINSURANCEINTHESAMECONTRACT,THISCONTRACTSHALLCONTINUETOBEEFFECTIVETHISOPTIONDOESNOTAPPLYTOSUBSTANDARDINSURANCECONTRACTSAGAINSTAGAINSTTENTHAGAINSTDISCLOSURETHECONCLUSIONOFTHECONTRACTAGAINSTTHECOMPANYAGAINST,SHOULDEXPLAINITCLEARLYTOTHEAPPLICANTFORTHETERMSOFTHECONTRACT,ESPECIALLYTHEEXEMPTIONCLAUSE,ANDPUTFORWARDAWRITTENINQUIRYONTHESITUATIONINTHEINSURED,THEINSURER,THEINSURED,THEINSUREDSHALLTRUTHFULLYINFORMAGAINSTAGAINSTTHEINSUREDINTENTIONALLYCONCEALSTHEFACTSANDDOESNOTPERFORMTHEDUTYOFDISCLOSURE,ORNEGLIGENTLYFAILSTOPERFORMSUCHOBLIGATION,TOTHECOMPANYTODECIDEWHETHERTOAGREETOTHEINSURANCEORTORAISETHEINSURANCEPREMIUM,THECOMPANYHASTHERIGHTTOTERMINATETHISCONTRACTAGAINSTTHEINSUREDAGAINSTDELIBERATELYREFUSESTOPERFORMTHEOBLIGATIONTOINFORMTHECOMPANYOFTHISOCCURREDBEFORETHETERMINATIONOFTHECONTRACTOFINSURANCEACCIDENT,NOTBELIABLEFORPAYINGINSURANCEMONEY,DOESNOTRETURNTHEINSURANCEPREMIUMIFTHEINSURANTFAILSTOPERFORMTHEDUTYOFDISCLOSURE,SERIOUSLYAFFECTINGTHEOCCURRENCEOFINSURED,THECOMPANYOCCURREDBEFORETHETERMINATIONOFTHECONTRACTOFINSURANCEACCIDENT,NOTBELIABLEFORPAYINGINSURANCEMONEY,BUTMAYRETURNTHEINSURANCEPREMIUMDESIGNATEANDCHANGETHEBENEFICIARYAGAINSTAGAINSTELEVENTHAGAINSTAGAINSTAGAINSTTHEINSUREDORTHEINSUREDMAYDESIGNATEONEORMOREBENEFICIARIESIFTHEBENEFICIARYISAFEW,THEORDEROFBENEFITANDTHESHAREOFPROFITMAYBEDETERMINEDIFTHEBENEFICIARYDOESNOTDETERMINETHEBENEFICIARYSSHARE,THEBENEFICIARYSHALLENJOYTHERIGHTOFEQUALSHAREAGAINSTAGAINSTTHEINSUREDORTHEAPPLICANTMAYCHANGETHEBENEFICIARY,BUTNEEDTONOTICEINWRITINGTOTHECOMPANY,THECOMPANYISINEFFECTONTHEINSURANCEPOLICYSHALLBEENDORSEDAGAINSTTHEINSUREDAGAINSTSPECIFIEDORCHANGETHEBENEFICIARYSUBJECTTOTHEWRITTENCONSENTOFTHEINSUREDAGAINSTAGAINSTTHEINSUREDPERSONWITHOUTCIVILCAPACITYORAPERSONWITHLIMITEDCAPACITYFORCIVILCONDUCT,THEDESIGNATEDBENEFICIARYBYTHEGUARDIANAGAINSTTHEBENEFICIARYAGAINSTMAJORDISEASEINSURANCEANDHIGHDISABILITYINSURANCEFORTHEINSUREDPERSON,THECOMPANYDOESNOTACCEPTOTHERDESIGNATIONANDCHANGEAGAINSTAGAINSTTWELFTHAGAINSTBODYHEIGHTIDENTIFICATIONAGAINSTTHEINSUREDAGAINSTACCIDENTALINJURYORDISEASECAUSEDBYBODYHEIGHTSHOULDBEDISABLEDAFTERTHEENDOFTREATMENT,THEMEDICALINSTITUTIONDESIGNATEDORAPPROVEDTHECOMPANYSIDENTIFICATIONIFTHEINSUREDSUFFERSFROMACCIDENTALINJURYORILLNESSWITHINONEHUNDREDANDEIGHTYDAYSAFTERTHETREATMENTHASNOTYETENDED,ACCORDINGTOTHE180THDAYOFTHEBODYTOIDENTIFYAGAINSTAGAINSTTHIRTEENTHAGAINSTINSURANCEACCIDENTNOTICEAGAINSTAGAINSTTHEINSUREDORTHEBENEFICIARYSHALLBEINFORMEDOFTHEINSURANCEACCIDENTOCCURSWITHINTENDAYSFROMTHEDATEOFWRITTENNOTICETOTHECOMPANY,OTHERWISE,THEINSURED,THEINSUREDORTHEBENEFICIARYSHALLTAKENOTICEDUETOTHECOMPANYINCREASEDTHEDELAYOFSURVEYANDINVESTIGATIONCOSTS,BUTBECAUSEEXCEPTFORCEMAJEURECAUSEDELAYINTHEAGAINSTAGAINSTFOURTEENTHAGAINSTTHEINSURANCEAPPLICATIONAGAINSTAGAINSTONE,DURINGTHEEFFECTIVEPERIODOFTHISCONTRACTTHEINSUREDPERSONSUFFERINGFROMSERIOUSDISEASES,BYTHEINSUREDORBYTHEINSUREDAGENTASTHEAPPLICANT,FILLINTHEINSURANCEPAYMENTAPPLICATION,ANDSUBMITTHEFOLLOWINGCERTIFICATESANDMATERIALSAGAINST1AGAINSTTHEINSURANCECONTRACTANDINSURANCEPREMIUMPAYMENTLASTCERTIFICATE2WEREAGAINSTAGAINSTHOUSEHOLDREGISTRATIONCERTIFICATEANDIDOFTHEINSURERDISEASEDIAGNOSISCERTIFICATEISSUEDBYADESIGNATEDORAPPROVEDAGAINSTAGAINST3OFTHECOMPANYSMEDICALEXAMINATION,BLOODTESTSANDOTHERPATHOLOGICALMICROSCOPICSCIENTIFICMETHODSOFTESTREPORTIFNECESSARY,THECOMPANYHASTHERIGHTTOINSPECTTHEINSUREDPERSONSBODY,ATOUREXPENSEAGAINSTAGAINSTSUCHAS4AGENTS,SHOULDPROVIDETHEPOWEROFATTORNEY,PROOFOFIDENTITYANDOTHERRELEVANTINFORMATIONAGAINSTAGAINSTTWO,DURINGTHEEFFECTIVEPERIODOFTHISCONTRACTTHEDEATHOFTHEINSURED,THEDEATHINSURANCEBENEFICIARYASTHEAPPLICANT,FILLINTHEINSURANCEPAYMENTAPPLICATION,ANDSUBMITTHEFOLLOWINGCERTIFICATESANDMATERIALSAGAINST1AGAINSTTHEINSURANCECONTRACTANDINSURANCEPREMIUMPAYMENTLASTCERTIFICATEPROOFOFRESIDENCEANDIDENTITYDOCUMENTSAGAINSTAGAINSTTHE2BENEFICIARYAGAINSTAGAINST3PUBLICSECURITYDEPARTMENTSATORABOVETHECOUNTYINCLUDINGCOUNTYLEVELHOSPITALISSUEDTHEDEATHCERTIFICATEOFTHEINSUREDAGAINSTAGAINST4OFTHEINSUREDHOUSEHOLDREGISTRATIONCANCELLATIONCERTIFICATE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