癌症疾病互助防治保险条款
Cancer Mutual Prevention and Treatment Insurance Claus
第一部分保险合同概述
Section One Summery of Insurance Contract
第一条保险合同的构成
本合同由以下几个部分构成：保险单及所附条款，投保单（其复印件或
包字头的字有哪些者电子影像印刷件与正本具有同等效力）、批注，以及经投保人与我们
共同认可的、与本合同在关的其他书面文件。
部门年终工作总结Article 1 Formation of Insurance contract
This Insurance Contract (as “the Contract”hereinafter) incorporates the Policy and the attached Insurance Claus, Proposal Form (its photocopy or scanned copy equally effective as its original one), annotations and other documents related to the Contract and acceptable to the Propor and the
Insurer).
泰安人第二条投保范围
本合同接受的被保险人的投保年龄为1周岁至65周岁，符合连续投保条件
的可延长。
Article 2 Age Limit
The age scope of the Insured acceptable under the Contract on proposal is from 1 to 65 years old attained. The age limit can extend if renewal conditions are met following the Insured’s 65th birthday.
第三条保险合同成立与生效
投保人提出保险申请、我们同意承保，本合同成立。
合同生效日期在保险单上载明。保单年度、保险费约定支付日均以该日
期计算。
Article 3 Establishment and Effectiveness of the Contract
The Contract has been established when the Propor applies for this insurance and the Insurer agrees to cover,
The effective date of the Contract is specified in the Policy. The Policy year and the
date for premium payment as agreed is computed on its basis.
第四条保险期间
除另有约定外，保险期间为一年，以保险单载明的起讫时间为准。本合
同的保险期间为1年，保单年度自动续转承保至第5年。自本合同生效日
零时起至本合同约定的终止时止，并在保单上载明。
Article 4 Period of Insurance
Except otherwi agreed, the period of insurance is one year, from zero hour of the inception date to the termination date as agreed under this Contract and specified in the Policy. This one-year insurance will be automatically renewed for another concutive four years.
第五条合同终止
本合同因以下事项而终止效力：
1.投保人和/或被保险人于本合同有效期内向我们申请解除。
2.本合同保险期间届满。
3.本合同因条款内所列情况而终止。
Article 5 Termination of Contract
This Contract will be terminated in the following events:
1. The Propor and/or the Insured applies for cancellation during the period of insurance;
2. The Contract expires;
3.Occurrence of the events as specified in the Contract.
第六条投保条件：
1.根据合同约下保险体检条件，此处约定几种体检的情况以及各对应
的流程。
升级英文2.第一次初步体检通过，则保单于投保日当天生效。不通过将进行第二
次体检。
3.如第二次体检通过，则保单于初次投保日当天生效。若仍为阳性则必
须进行深度筛查。
4.如深度体检筛查仍为阳性，保险人将与投保人进行协商，全额退还保
费，或者申请特殊承保，保费与费率另行约定。若为阴性则按照承保
费率II条件承保。
Article 6 Proposal Preconditions游林
1.This Contract stipulates the following medical test requirements and their corresponding procedure:
2.If the Insured is medically eligible following the first test, the Contract will come into effect on the date of initial proposal. The cond test will be necessary if the test is not pasd.
3.If the Insured is medically eligible following the cond test, the Contract will come into effect on the date of initial proposal. However, if the Insured is diagnod as positive for cancel, deep cancer screening should be undertaken.
4. If the Insured is diagnod as positive following the deep screening, the Insurer will negotiate with the Propor return of premium or proposal for special coverage at a premium rate as otherwi agreed. If the Insured is diagnod as negative, then rate II above will be applied.
第二部分保单保障范围
戏台子Section Two Scope of Cover
第七条保险金额
本合同的保险金额在投保时由投保人和保险公司约定，并在保险单或批注上列明。如果该金额发生变更，则以变更后的金额为准。
Article 7 Sum Insured
The Sum Insured under this Contract will be agreed upon between the Propor and the Insurer on proposal and specified in the Policy or the Endorment (if any). If the Sum Insured is changed, the changed Sum Insured will apply.
第八条保险责任
在本合同有效期内，我们承担以下的保险责任：
首次投保本保险或非连续投保本保险时，自本合同生效日起，被保险人
首次发病且经我们指定或认可的医院的专科医生确诊首次罹患（特病）
癌症，我们将向您支付与中华人民共和国社会医疗保险项下赔付不足的
部分。上限以中华人民共和国社会医疗保险特病上限为限，赔付至投保
魄散魂飞人的生存期结束或者保单期限结束，以先发生者为准。
We shall assume the liability as follows during the Period of Insurance:
If the insurance is first applied for or is provided non-concutively and cancer the Insured has contr
acted the first time during the Period of Insurance is confirmed by a
specialized medical practitioner of a designated or accepted hospital, we shall pay or reimbur the shortfall of benefits provided under the Social Medical Insurance of PRC up to the special dia upper limit of the Social Medical Insurance until the survival period of the Insured ends or the Period of Insurance expire, subject to whichever comes first.
保险责任
在本合同保险生效后在合同有效期间内，我们按照下列约定承担给付相
应保险金的责任：
癌症医疗保险补偿金：保险赔偿金根据社会医疗保险的赔付为基准，承
担医保范围内被保险人自付部分。最高赔偿限额以保险单约定为准。Article 8 Coverage
After the Contract comes into effect, we shall pay and/or reimbur the following benefits during the Period of Insurance:
The Cancer insurance benefits: the part of the social medical insurance payment to be assumed by the Insured bad on the social medical insurance regulations subject to the Sum Insured of the Policy during the Period of Insurance.
第九条责任免除
因下列情形之一导致被保险人患上本合同所定义的癌症或高费用癌症
的，我们不承担给付相应保险金的责任：
1.投保人对被保险人的故意杀害、故意伤害；
2.被保险人故意自伤、故意犯罪或者抗拒依法采取的刑事强制措施；
3.被保险人主动吸食或注射毒品；
4.被保险人酒后驾驶，无合法有效驾驶证驾驶，或驾驶无有效行驶证的
机动车；
5.被保险人感染艾滋病病毒或患艾滋病；
6.战争、军事冲突、暴乱或武装叛乱；
7.核爆炸、核辐射或核污染；
8.遗传性疾病，先天性畸形、变形或染色体异常。
Article 9 Exclusions
We shall not make any payment for any claim directly or indirectly caud by, arising form or in connection with:
1.Deliberate murder or injury of the Insured by the Propor;
2.The Insured’s deliberate lf-injury, criminal acts or resistance to law enforcement measures;
3.The Insured’s active taking or injection of additive drugs;
4.The Insured’s driving of vehicle under the influence of alcohol, without effective driver’s licen, or without driving permit;
5.The Insured’s infection with HIV or AIDS;
6.War, military conflict, riot or armed rebellion;
7.Nuclear explosion, nuclear radiation or nuclear contamination;
8. Genetic dia, congenital malformation, deformity or chromosome abnormality.第三部分保费缴纳支付
第十条本合同保险费的交费方式和交费期限由投保人和保险人约定，并在保险单或批注上列明。
Section Three Premium Payment
Article 10 The method and the time for premium payment is agreed between the Propor and the Insurer and specified in the Policy or endorment ( if any).
行楷毛笔书法字帖第十一条除本合同第六条第4款规定或其他特别约定外，投保人要求解除本保险合同，自保险人接到保险合同解除申请书之时起，本保险合同的效力
终止。保险人收到上述证明文件和资料之日起30 日内退还保险单的未
满期净保费。
Article 11 Except as stipulated in Article 6.4 or as otherwi agreed, if the Propor requests for cancellation, the Contract will be canceled from the date when the Insurer receives the cancellation notification. The Insurer will refund the unearned premium within 30 day of receiving the notification and other relevant documents.
第十二条保单的续保
1.本合同的保险期间为1年保单年度自动续转承保至第5年。自本合同生效
日零时起至本合同约定的终止时止，并在保单上载明。
2.续保时被保险人年龄不应超过75 周岁，续保保险费根据续保时被保险
人年龄、所选择的保险期间和交费期限核定的费率计算。
3.我们有权在续保时调整保险费，但须经中国保险监督管理机构备案。Article 12 Policy Renewal
1.The Period of Insurance under this Contract is one year, from zero hour of the
